vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.

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 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CT

Complaint narrative:
HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I lost my job and my unemployment expired.i had a notice ( not sure what they were telling me. ) As soon as I had some money, which was in the beginning of XX/XX/XXXX, I sent them over {$2000.00}. They have not responded in any way. I have filed for XXXX XXXX XXXX and am waiting for a determination. 

I would like to talk to them about purchasing the house, as I now money available for me to purchase the home. Otherwise wil be homeless as i am single and do not have anywhere else I to live permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: MN

Complaint narrative:
Home located at XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX was up for sale working with realtor and batter on thermostat went dead and caused frozen pipes and major water damage. Could not live in home, and Husband and I did all the water mitigation and had XXXX XXXX XXXX XXXX Adjustor ( XXXX ) come out and survey water mitigation that was done. XXXX approved everything look. XXXX and I submitted a bill to XXXX XXXX and US Bank. US bank is the mortgage lender. XXXX XXXX submitted two checks to XXXX XXXX, XXXX XXXX and US Bank for XXXX ( XX/XX/XXXX ) ( payment for water mitigation per estimate from Service Master ). We did not use service master we did the work ourselves as we were there. Then another check for XXXX ( XX/XX/XXXX) was sent to me XXXX XXXX ( XXXX XXXX ), we tried to cash check for water mitigation to get paid for our work and US bank told us no, they would pay us after all work is done and if there is anything extra left. US refused to cash and it stopped us from moving forward on repairs to get back on market. Whole inside of home was remodeled and painted. Our realtor at the time was XXXX XXXX ( XXXX ) XXXX XXXX XXXX. We are trying to get paid for our water mitigation as US has sold the mortgage to a company. XXXX XXXX stated will reissue me new checks but need to be made out the same and US Bank will not cash and pay us. XXXX XXXX ( XXXX ). US Bank Lost Claims fax  number XXXX Tracking number XXXX Property loss Department XXXX and spoke with XXXX. My name is XXXX XXXX current address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX and current cell phone is XXXX. 
We are currently requesting XXXX XXXX to issue the amount due to us for water mitigation and to release check in our name XXXX and XXXX 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 explanation
Consumer complaint received 2018-04-06 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: Selene Finance LP
State: IL

Complaint narrative:
I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The Chapter XXXX was discharged in XX/XX/XXXX. Selene Finance is reporting on the credit report to XXXX that I was late on a payment in XX/XX/XXXX. In fact, this property and mortgage was included in the BK. they also are reporting activity on the account AFTER the XX/XX/XXXX BK start date. 
Both of those actions are in violation of the Fair Debt Reporting Act. As you know, the Fair debt Reporting Act forbids creditors from trying to collect a debt once BK proceedings have started. They also are still reporting as of XX/XX/XXXX " activity '' on this account that has been deleted since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).

I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.

I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.

XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I took a loan for XXXX  in XX/XX/XXXX. I made payments of XXXX in XX/XX/XXXX andXX/XX/XXXX and paid off loan in XX/XX/XXXX for a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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:
There are two accounts listed on my Transunion credit report, that are a result of identity theft. According to Federal Law, credit reporting agencies have a due diligence when identity theft accounts are reported with all elements as required by law. I reported these items as fraud with accordance to FEDERAL LAW 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and these items are still appearing on my credit report. The following items are : Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Creditor : XXXX Account : XXXX Investigate Ownership : This account was opened fraudulently Additional Comments : Please see police report provided with all FCRA 605 requirements. All elements required by law is contained in this request. Remove within 5 days per FCRA I have submitted the following items to the credit reporting agency and they still continue to illegally report these items. You can see all back up documentation attached to this complaint.

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 2018-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NJ

Complaint narrative:
I was awarded several TEACH Grants which some have not been converted to loans. One in XX/XX/XXXX and one in XX/XX/XXXX. I have contacted the Lenders that originated the grant, which now have been bought out by XXXX. They claim that they can not check into any documentation that may have been provided and therefore can not change the conversion of the grant. This has caused me to owe more toward my student loans and I feel it is unfair and misrepresented the intent of the grant. I am still working in the special education field and have satisfied my requirements towards the grants. They should have never been converted to loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX  XXXX opened a credit card from Capital one and assigned her daughter, XXXX XXXX as an authorized user. XXXX defaulted on her payment and as a result, the Capital One reported a claim on XX/XX/XXXX. XXXX XXXX, now at the age of XXXX is applying for a Mortgage loan and came to the dismay that the credit card her mom opened and defaulted on is affecting her credit today. XXXX XXXX would like to request the removal of the Capital One Credit Card due to only being an authorized user at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, TD Auto Finance reported that my account was late. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I keep receiving multiple auto dialed calls from Portfolio Recovery ( XXXX ) on my cell phone when answered they hang up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a Lowes/Synchrony Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXX bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXXbut I have proof I paid {$7900.00}.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX. It was sold to XXXX XXXX and they reported it to collections. They say I owe {$1000.00} but I paid {$1200.00} and I have proof it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I applied for a Chase Southwest Plus card, in addition to a Chase Southwest Premier card on the same day and was automatically approved in XX/XX/XXXX. A week or so later I received my card in the mail, but it was instead two premier cards. This seemed odd to me, so I called Chase to see what the issue was. After thirty or so minutes on the phone I was told that they did not know how this happened, but that there should be no issue with receiving the rewards on each of the cards. I received the first bonus in XX/XX/XXXX after I had reached the spending threshold on the first premier card. I received a letter in the mail stating that I would not receive the second bonus because I had already received it on the other premier card. I called Chase immediately, who said that I should wait and see if the points post to my account, given that this was such an unusual situation. The points did not post to my account, so I called them again on XX/XX/XXXX. I was referred to an account specialist after again telling them what happened, asking them to honor their agreement and post the points to my account. They would not budge and said that I can not receive benefits from two of the same cards. It makes absolutely no sense for me to try and have the same card and pay an annual fee twice. There is no benefit, only harm to me to do that.

Company response to consumer: Closed with non-monetary relief