vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I had an ex open a utility account in my name using my information. I have disputed this several times. I never had a written contractual agreement with XXXX XXXX XXXX. I have disputed this account through the credit bureaus multiple times. I have letters from a room mate that states I was living in a completely different residence at the time the power account was opened somewhere else. I want this debt collection agency to cease all attempts to collect on this fraudulent account. As well as to discontinue reporting to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
In XXXX I received a mortgage for a home address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX. In XX/XX/XXXX I was forced to declare Bankruptcy due to a XXXX  Medical condition. The home was listed on the Bankruptcy. After the Bankruptcy I was never told by the company that it had listed the account " included in Bankruptcy ''. The continued through XX/XX/XXXX to demand Mortgage payments and negotiate payments. I discovered in my credit report that they had closed the account on XX/XX/XXXX. The listing was closed included in Bankruptcy. In XXXX of XXXX I discovered the account was closed by them in XX/XX/XXXX and requested a Deed in lieu of foreclosure for the Veterans Administration to update the loan included in bankruptcy. I was told by the Veterans Administration that as of XX/XX/XXXX they were continually listing the house as payment overdue and still were listing the account as open. The account was closed by them due to Bankruptcy and they have yet to send the VA their needed documents or list the account with the VA as closed included in Bankruptcy. I have conversed with them many times and have been told they do not do that. I have had my Bankruptcy Attorney write them and it was ignored. I can only view this as intentional harassment. And a effort to impede me from getting a new house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was a victim of identity theft or mistaken identity. I contacted the bureaus and provided all my personal documents as required along with a identity theft report. I have made several attempts to have this information corrected to no avail. the credit bureaus have not provided and debt validation with proof of any contracts on file bearing my signature to validate the debts, that they are required to provide when requested under the fcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Auto Finance-Loan # XXXX XXXX XXXX Trust issued a check to Chase Bank Auto Finance XXXX, AZ on XX/XX/2019. Chase Bank claimed the check never arrived. XXXX XXXX issued a stop payment, re-issued a check on XX/XX/XXXX via XXXX XXXX overnight. Chase Auto Finance signed for and received the check on XX/XX/XXXX, XXXX. Called chase auto finance at least 10 times and finally received confirmation the check was found by? department on XX/XX/2019. Chase Auto Finance employee # XXXX said verbally the check would post to the account in 24 to 48 hours. As of today, XX/XX/2019 the check hasn't posted to the account. Called chase auto finance -talked to employee # XXXX who said no the check hasn't posted but will in 10 to 14 days. Chase continues to add late fees to my account, affect my credit report and lastly do a very poor job handling their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have being trying for 3 weeks to get a security freeze off my credit report that I had placed. Equifax should be shut down completely. They keep giving me excuses on they are working to fix the issue removing the freeze but the freeze is still there I been trying for 3 weeks now. They keep saying they are putting in a ticket to get it fixed and as of today it's not fixed. I will start looking at a attorney to handle this matter as I have read online other people who have had to same issue. I will look into starting another class action lawsuit because this is completely crazy. I am in the process of trying to get a home but can't because they can't pull my credit which has caused my family a great deal of pain. They hire all these people overseas to help you when most can't even speak proper english and I keep getting the run around CFPB please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mortgage loan paid in full XX/XX/2019 see attached. Beyond 30 days, no reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
My home loan was going to reach maturity date but was not going to be paid off. Bayview loan offered to modify the loan where the payments would be reduced to {$190.00} with the first payment due on XX/XX/2019 and then due on the first of each month. I was advised no payment was due in XXXX due to the modification. 

Bayview continues to send " get back on track '' offers. They call my husband and me multiple times a day. When I call them they advise me I owe for 4 months as I am 4 months behind. But then I confirm I am not four months behind. The " speciality dept '' says the " regular '' dept has not been trained and they are not able to help me. However, they keep reporting my loan late to the credit bureaus. My loan has been current for months and yet they just recently reported it 90 days late when it is not. The telephone calls, late notices, foreclosure notices and the major hit on my credit report is unacceptable. I am current on my loan but they refuse to update their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I made payment arrangements with XXXX XXXX to debit my account the balance I owed them, they received payment XX/XX/XXXX, XX/XX/XXXX and one that is set to come out in 3 days for the final payment of {$23.00}. On XX/XX/2019 Dated XX/XX/2019 I received a let from Receivables Management systems that I owed them {$46.00}, I called and spoke to someone at XXXX XXXX and told them that they sent me a notification that was wrong, and he tried defending the case and I explained that XXXX XXXX   had already received most of this debt and he continued to say that I needed to pay this amount and I responded back that the info was XXXX  and he continued to say if I did not pay this amount that his company would continue to charge me fees daily until I paid them and then he hung up on me!!!! I called XXXX XXXX and explained to the lady in billing what had just happened with them and currently on hold for her to clear this up. In the meantime I would like this company reprimanded for the wrong billings amount, and being being rude and making the comment that I would continue to be charged daily fees and hanging up on a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mortgage loan paid in full XX/XX/2019 see attached. Beyond 30 days, no reporting to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
From XX/XX/2019, the loan payment has adjustment per income which I agree and the agreed amount was debited automatically. But, Nelnet indicates that the old, prior monthly payment amount, was also due at the same time ( in XXXX ) as the adjusted amounts and shows that there is a late payment for XX/XX/2019. On top of that, they charged interests of the invalid late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/1984 last four of ss # XXXX I am writing because after several DISPUTES i have finally been granted REMOVAL of an account from XXXX  and XXXX. I am writing because this account is still appearing on my XXXX  file and I would like it to be REMOVED as well. 

I want my credit file to reflect accurate information and if the dispute process yielded results to DELETE the account, I would like for this LVNV account to be removed from my XXXX file. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: MN

Complaint narrative:
I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient is my student loan servicer. They are not allocating my monthly payments appropriately to principal versus interest - my balance on loans is going up, and I make payments every month. 

I have tried to contact them via phone, and all numbers are disconnected. They have also locked me out of my online account. 

They continue to take payments from my bank account and will not communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I applied for and was approved for an auto refinance through Capital One in XXXX. My first payment was due XX/XX/2019. I signed up for autopay using my checking account. My payment came out as planned in the amount that was supposed to come out. I received an email from Capital One confirming my payment had been made and credited to my account. Then, I received another email saying that my account requires attention. I logged onto my account and it says that I am past due. I called Capital One and they have opened 2 duplicate accounts for the same vehicle in my name with two different payments without my knowledge. I sat on the phone for over an hour and spoke to three different representatives before the third one mysteriously just came back after leaving me on hold for several minutes and said her system was down, that she couldn't help me, and to call back later. My credit score went down 10 points because my report shows that I took out 2 consumer loans and the second fraudulent loan opened without my authorization by Capital One is past due, but I can't get them to help me because their systems keep mysteriously going down when I try to have the second account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After putting a freeze on my credit through Experian about two or three weeks ago, I have received several emails from Experian saying a 'change to your credit file detected ' and 'the credit balance one one of your accounts decreased ' and 'please open immediately to review a change we've detected in your credit '. In each of these emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX - I did not find these until XX/XX/XXXX because they somehow went into the JUNK file which I do not go into often. ) One report said thanks for checking your report, it raised your fico score. All emails said 'See all reports ' and had a button to do so, but it put me on a blank web page. 

I have tried to contact them by phone but they will not talk anyone. 

How and where did they get permission to gather every ones information and then have the gall to not let you talk to them? I certainly did not give them permission. I saw a lot of other people on the internet asking how to talk to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XX/XX/19 NOW THERE SAYING WE DEFAULTED ON YOUR CLOSING STATUS!!!!!! I NEVER ASKED TO GET RID OF MY HOUSE IM TRYING TO SAVE MY HOUSE I JUST SENT IN A NEW RMS FOR THEM TO HONOR THE OLD MODIFICATION FROM XXXX THEY SAID IT WAS CANCELED DUE TO THE NOTARYS SIGNATURE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am paying more for interest then for the loan itself. What Navient is doing should be illegal. I want my loan to be forgiven due to this. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a XXXX XXXX for XXXX. On Tuesday, XX/XX/XXXX, I accepted a XXXX   from XXXX XXXX At XXXX XXXX XXXX at XXXX. I came to learn after the fact that this person created a fraudulent account through XXXX  To have access to my personal information. He then called pretending to be XXXX, a manger with ID number XXXX. He said that my account was suspended and that I could not XXXX  another XXXX  until it was resolved. He even told me he had reached out to XXXX XXXX And told him that I would be delayed, and I received a message from XXXX XXXX Saying as much. XXXX asked me for personal information to verify my account, including my bank username. I said that I was not comfortable giving that information, but it was through verified and secure text messages so he could not see my information. 

While on the phone, he hacked into my Bank of America account and transferred {$2000.00} to a man named XXXX and {$600.00} to a man named XXXX using the app XXXX ( which I have never used in my lifetime ). I do not know either of these people, nor do I know the man on the phone. I immediately reported the fraud to Bank of America, and opened up new accounts with the bank. The claim number is XXXX. This claim was denied because the bank claimed that since I provided a username that I authorized the transactions, but I do no such thing. 

I came to learn that this is a known fraud scheme with XXXX. The XXXX XXXX Account was fake, and he made the account to have access to my personal information as his XXXX  XXXX. The representative was also a fraud, and in fact they were the same person. I do not know this person, and I do not know the people who he transferred money to. 

My XXXX police report ID is XXXX. I have also worked with Detective XXXX XXXX, who can be reached at phone number XXXX I am also including a copy of my complaint to the Federal Trade Commission ( FTC ). My FTC report number is XXXX. 

I would also like for it to be known that XXXX Is aware of the fraudulent activity, and has confirmed that this person used a fraudulent profile on XXXX To hack my bank account. This person inappropriately used the XXXX App that I work for to access my personal information. The Fraud Department at XXXX Is very willing to assist with this investigation to have my funds securely returned to me. The XXXX  Fraud team can be reached at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief