vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a payday loan online. I had to provide my personal information, including my bank routing and account number. Then, I was approved for {$250.00} and given the terms of the loan. 

I was then prompted to enter my bank login credentials. I hesitated due to privacy reasons. Then, I reasoned that my credit had been pulled and I was approved, so I may as well continue. After entering my bank login credentials, another screen popped up and stated that my application was denied. 

I immediately became concern that this was a scam. I proceeded to change my password with my banking institution. I then called Check N Go 's 800 number. I spoke with XXXX ( XXXX ). XXXX informed me that he did not see my application online. He also said that the company doesn't work with certain banks. I asked for the legal department and he transferred me to a supervisor ( XXXX ). 

XXXX informed me that it was policy for customers to be verified that way. However, when I read the disclaimers online, there was no mention of this type of verification. I would have rather uploaded a bank statement. Also, I would not have proceeded with the transaction. I feel this was misleading and fraudulent. 

Finally, I received an alert from my credit monitoring system showing that there was a new inquiry from 'Checkngo/XXXX. '' This conflicted with the statement made by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: KEYCORP
State: DE

Complaint narrative:
I moved from XXXX XXXX to XXXX, went to XXXX DMV to transfer my vehicle tags and registration and was informed to fill out a " Request For Title From Leinholder/Leasing Company '' which I did and was originally faxed on XX/XX/2019. A few weeks later as my temporary tags are about to expire, I realize my request still hasn't been processed and make multiple calls to Key Bank for details. I'm constantly being told the request is still in processing and end up having to pay for a second temporary tag because what was supposed to be a 3 week process, still has no end date. As the second temporary tags neared their expiration date, I began calling customer service more frequently wondering what was causing the delay. During one of these calls, I was told the hold up was XXXX DMV lost the title. It's now XX/XX/2019 and I still haven't had my request processed, I'm now on my 3rd and final temporary tag. I was told the process would have been completed no later than XX/XX/2019 via XXXX from customer service, but that date has long passed with no resolution. I was asked to fax a second request in order to have a fresh one on file, so faxed the form again on XX/XX/2019. On XX/XX/XXXX I spoke with XXXX and was informed they had everything needed to process request and I would take 20 days. XX/XX/2019 I contact Key Bank and speak with XXXX. XXXX states they sent numerous emails to XXXX DMV and they have not responded, he also suggested I call XXXX DMV and provided me with the phone number. I immediately call XXXX  DMV and the woman I spoke with told me they don't hold liens on titles and if Key Bank lost the title they can send a request for a duplicate which takes 4 weeks. She also looked the vehicle up in the system and said there is no record of Key Bank ever requesting for a title. I now proceed to call Key Bank back, they refused to let me speak to XXXX, but transferred me to XXXX who tried to give me the same " in processing '' story. On XX/XX/XXXX my temporary tags will expire and I will be unable to drive a vehicle I'm currently making payment on due to the negligence of Key Bank not fulfilling a request that should have only taken 3 weeks and currently about to go into it's 6th month with no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
They Call me every day sometimes 2-3 times a day, they also call my work almost everyday and they have called my wife and my mother. I talked to XXXX at XXXX XXXX XX/XX/2019 and he was threatening to sue me for the money owed and i told him i would settle for less which i said id do 30 % of what is owed and he would not accept my offer and only wanted me to do payments. I have told them not to call my work or family and sent a Debt settlement letter to them yesterday. He also said if i don't pay them, they will report to my credit and it will hurt my 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 2019-09-19 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
JPMorgan Chase Bank and XXXX/XXXX XXXX XXXX XXXX credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by JPMorgan Chase to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since JPMorgan Chase is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter JPMorgan Chase, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that JPMorgan Chase is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to XXXX XXXX XXXX  XXXX. Attached is the email from Chase notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX , XXXX as serviced by XXXX XXXX XXXX XXXX sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: OH

Complaint narrative:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX  authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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 2019-09-19 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: Experian Information Solutions 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 non-monetary relief
Consumer complaint received 2019-09-19 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: NJ

Complaint narrative:
Experian and XXXX XXXX refuse to remove a negative reporting ( a 30 days late ) payment even though XXXX XXXX agreed that the 30 days late payment was because of something that was their error. XXXX XXXX notified me of the change of reporting via mail on XX/XX/19 and I forwarded what XXXX sent me via their XXXX office to Experian. Experian refuses to do their due diligence and investigate this further and remove it from my account! Please have Experian remove this from my account ASAP

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 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
THIRD COMPLAINT AGAINST PHH MORTGAGE SERVICES It has been over a month that my insurance company issued checks to repair my home from the Woolsey Fire in CA. We were declared a national disaster. PHH Mortgage has given me wrong and conflicting information regarding the Exception that WAS granted as evidenced by their letters dated XX/XX/XXXX and XX/XX/XXXX. A representative from their " escalation '' department also confirmed on XX/XX/XXXX that my checks had been returned to me and in accordance with this letters. However, she gave me wrong information and the checks arrived not endorsed by the bank today. 

You will see from the attachments to this complaint that on their online portal, my information ALSO reflects the Exception -- in that all I needed to do was complete repairs and do a final inspection. And now ... they had the audacity to send a completly contradictory letter a week later dated XX/XX/XXXX stating they want to hold my money, do their own process and are ignoring the fact that OVER 50 % OF THE REPAIRS ARE ALREADY DONE. 

This is added insult to injury. It is also causing severe economic damage to me and my family because I can not even attempt to go back to work until the inside of the house is completed. I need my insurance payments to do these repairs immediately. It is appalling that banks are allowed to get away with their lack of accountability! They need to honor their original letters from XX/XX/XXXX and XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have been requesting a verification of mortgage from the servicing company that sold my mortgage to another company. They will not provide it. I am trying to refinance my current mortgage and the new lender needs it. 

I stand to lose my lock and money and if it is not done in a timely manner./

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 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received an email from Experian on XX/XX/2019 that I now have debt collections from Credence Resource Management and owe {$1400.00} to them. I made a dispute against this claim through XXXX  simply because I do NOT have any kind of account with Credence Resource Management, nor have I ever been associated with this company. XXXX  emailed me today that Credence Resource Management 's information is accurate for the debt collections against me. I have NEVER received mail for any kind of billing statement this company is accusing me of owing. Therefore, I am unable to attach any kind of documents to this complaint as I have never received any kind of documentation from this company. Additionally, I do not know the service this company is claiming that I owe to them. I have researched the company to be associated with XXXX XXXX XXXX XXXX, which again I have no association with as I have XXXX. I believe this activity to be fraudulent as I have no knowledge of this company or have ever received any kind of mailing statement from them. Unfortunately, this has decreased my credit score significantly which is very frustrating and would like resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I had filed bankruptcy in XXXX. I was told that the student loan were forgiven and no further action was needed. Over the last several months I have been trying to deal with getting paperwork sent to me in regards to my mother 's XXXX, since Navient has decided to start harassing her for money as she is my cosigner. They repeatedly told me that the forms would be sent and never were. Finally, 5 months after trying to get paperwork initially, it was sent to my mom. She filled out all the required documents in XXXX and when we had not hear back from anyone in XXXX, my mom called. The paperwork had been sitting in a pile on someones desk, not even being processed. When I called to speak with someone, I was told " ask your landlord for free rent so you can pay us. '' Is that proper management or verbage to someone who has been trying to get help with these student loans for months!? I was also told there is no way to request forbearance or deferment. I can not pay for these loans at this time and my mother is severely XXXX and unable to make payments. This has been going on since XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: MN

Complaint narrative:
According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: OH

Complaint narrative:
I have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

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 2019-09-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX CT XXXX, OH XXXX My SS is XXXX my DOB is XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: M&T BANK CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX  and XXXXM & T Bank credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by XXXX XXXX to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since XXXX XXXX is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter XXXX XXXX, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that XXXX XXXX is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to M & T bank. Attached is the email from XXXX notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX XXXX XXXX as serviced by M & T Bank sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )

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 2019-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/19 I called XXXX XXXX customer service to report that I am XXXX and needed to submit my military orders for my account to be coded for SCRA. The calls were routed to several reps, all of which had no information or were clueless about SCRA and the benefits to military service members. They were all of no help and could not provide me with any information to email, mail or fax my orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: LA

Complaint narrative:
I have been receiving calls for months however no one leaves a message on my voicemail. My phone provider provides scam screening and shows the calls from this number XXXX as spam. For the first time on Wednesday, XX/XX/2019 Direct Recovery calling from XXXX left a detailed message on my voicemail. 
The calls are for someone else and even after I notified them that this is the wrong number the calls continue. They are leaving detailed messages of someone else 's debt information on my voicemail. When I called the first time I spoke with a woman who refused to give me her name and then she hung up on me. 
The second call I made to them I spoke with a Mr. XXXX who asked me for my number and then tried to get my information AND told me to give the phone number and his ext to the person it was intended for.Still as of date Direct Recovery continues to call my phone multiple times a day. Sometimes leaving a very detailed message and sometimes no message at all. It is unclear how this company has MY PHONE NUMBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation