vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX Ditech along with XXXX XXXX XXXX gave a loan against a house that we both owned. I was not living in the state and had no idea that he was given the loan and that XXXX XXXX XXXX insured the loan. They both knew there were 2 people on the title and they just went about taking my name off the title and insuring the loan. I have documentation on what happened. My brother defaulted and the proceeded to try and take my home. I live here with my XXXX year old mother. This mess caused me to suffer financially, physically, mentally and emotionally. It took me almost 4 years to take care of this issue and refinance my home. There was a 1st mortgage and the lawyers lied and said there was no 1st mortgage. The lawyers for Ditech also sent paperwork to my old tenants that included the title of the home, who we purchased it from in XXXX, who we received the loan from and all personal information that should not have been sent to these people. I took the package from them and have it in my possession. With this they stopped paying rent and I needed to hire another lawyer to evict them, they destroyed the apartment ( it took 1 year to fix it ) and they stole my credit card and tried to buy items from XXXX XXXX for their new apartment. The apartment had 60 holes, water damage that if anyone walked on the floor they would have fell through the ceiling, the smell was horrible and just everything broken. No one would help me or listen to me. I hired lawyers who just took my money and did nothing. They were supposed to get a modification and after 2 years of paying {$900.00} a month I got a call that said they denied it. No proper paperwork as to why just a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I attempted to open a credit card with XXXX. They were unable to process my application for the credit card because Experian would not release my credit report to them. I went through all the available methods set forth by Experian to ensure that my credit report was unlocked. To be clear, my Experian account online clearly states that my account is unlocked. However, each time a customer service representative from XXXX tried to pull the credit report from Experian, they were unable to do so. We called Experian and their automated phone messages were not helpful in the least. We are unable to get a credit card because Experian is not providing any avenues to rectify this glitch in their system and this is causing a lot of stress. 
If there is any way to get in contact with a human being at Experian who might be able to diagnose the problem and rectify it, it would be greatly appreciated.

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 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX I was told that I was approved for a loan with a XXXX dollar amount loan. Supplied my statements and then was told my income was only XXXX a month in one month and XXXX in another month, and XXXX  in another month. They denied me a loan because they used the lowest month of income and said it must be at least the lowest amount of the three months and it was not enough to get a loan. Advised I did not agree with this and told then it was discriminatory lending against small business owners and independent contractors since I use more than one account for my income. They were not willing to accept the income from all three of my accounts and they denied me a loan. I think this is unfair credit practices and I advised them I was going to file a complaint. The company is Captial One Bank auto navigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Nelnet, Inc.
State: TN

Complaint narrative:
I have numerous accounts on my credit report that do not belong to me XXXX XXXX XXXX   {$3000.00} Department of Education/ Nelnet  {$10000.00} & {$4600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX is reporting a {$7000.00} balance that was paid by insurance pay off as charge-off/ closed / derogatory it should show balance paid sucessfully. 

I have been disputing and giving all info need to prove this debt is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Got this XXXX XXXX card for my daughter to use XXXX  vacations and allowances we are going on vacation she has saved money foe months now I'm trying to transfer it from my account to her card what the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit is frozen with Equifax and when I attempt to unfreeze my credit they require me to mail them all the documents required to steal my identity to a single and known point of failure. 

I asked and they will not allow me to fax them the documents or email them the documents. 

I refuse to place copies of my Social Security Card, Birth Certificate,  and a bill with my name and address on it into an envelope and mail them to Equifax, particularly to an address where it is known such pieces of mail go to, making it a target for identity thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I use a third party service named XXXX and it's already connected to my PNC business bank account. When trying to connect to the bank to refund a client back their money it stated that PNC would not allow XXXX to connect to my account. I can not handle my business like this. There has not been an issue in the past and if PNC no longer supports the app that I use I would rather change banks than change services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
We refinanced back on XX/XX/XXXX and have had nothing but problems with our new servicer. Lakeview Loan Servicing and the company that " writes their letters ( XXXX  ). '' At the beginning of the year we received a letter stating that we didn't have adequate coverage with our XXXX policy for our Homeowners Insurance when indeed, we did. This took several hours on the phone trying to clear this issue. ( I guess they do not have someone that is able to read and interpret the information in the said policy. ) Then on XX/XX/XXXX, we received a new letter saying we do not have hazard insurance when our property requires it ... but they would gladly purchase it for us for a " significantly more expensive '' rate. Fast forward to our mail today XX/XX/XXXX ... a second letter regarding hazard insurance. Still don't have insurance ( according to them XXXX. I have confirmation that a XXXX representative spoke with these people on XX/XX/XXXX and faxed the appropriate information to their fax number. I can only assume that this fax machine is not being tended to during these times of COVID-19. Spent 27 mins on the phone with XXXX from XXXX. 

The most recent incident was yesterday, XX/XX/XXXX. We received an Annual Escrow Account Disclosure Statement. This statements says that we owe {$2300.00} for a shortage with our escrow account. The number is inaccurate, as my husband and myself have someone who is a Senior Loan Advisor that looked over our HUD statement and noticed a clerical error. I would like this to be rectified immediately on behalf of XXXX. The amount that is added to each month statement would clear up any deficit in escrow funds. Please advise.

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 2020-08-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
have not received credit report within the 30 days. 
will you please help me with this and make them send them to me.

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 2020-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
have not received credit report within the 30 days. 
will you please help me with this and make them send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Changed cell phone service from XXXX to XXXX XXXX XXXX in XXXX. XXXX   did all the cancelling and moved our service with same telephone numbers to XXXX 
I have continued to get bills from XXXX and they now have bill at {$900.00}. I paid my bill every month up until transferring to XXXX. I wrote a letter on XXXX bill a few months ago stating I needed a detailed accounting of bill as I didn't understand why my bill was now, at that time I believe {$800.00}. Now they have turned me into a collection agency. I've written another letter to both XXXX and Sequium Asset Solutions , LLC asking for an accounting of my bill. Today I received notice from XXXX that I've been turned in for non-payment of a debt and my credit has dropped at least 21 points!! 

I'm sick of these people thinking they can bully and bluff but not suffer any consequences. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an issue with this Mortgage debt collecting company name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX  as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now

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 2020-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WY

Complaint narrative:
I had applied for a usda home loan through first interstate bank on XXXX. On XXXX I was contacted by a loan officer and my husbands and my credit was ran 5 times in a period of 3 days. That many inquiries damaged our credit and the bank never even got back to us after 4 weeks. I had called weekly and left messages with the loan officer and at week 3 I called the branch she works out of and was told to email her and I should receive a response. Now at week 4 with still no contact from them, I called first interstate bank and was told someone would be in contact with me. Its been over 48 hours and still no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
I have disputed the inaccurate reporting on two accounts ( XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX, Account # XXXX ) with Experian numerous times over the last two years and each time Experian sends me a notice stating that they have either verified that the accounts are reporting accurately or that the accounts have been updated. Experian has. not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that Experian verified the accuracy of the accounts and/or that the accounts were updated. Below is a list of disputed inaccuracies on both accounts : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate

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 2020-08-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my 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 2020-08-04 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: NJ

Complaint narrative:
My credit report has inaccurate accounts and personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: IN

Complaint narrative:
A payoff for a reverse mortgage with AAG was requested and received for XX/XX/2020. Due to some problems with the financing company the the closing had to be postponed until XX/XX/2020. A request was made on XX/XX/2020 at XXXX XXXX by the title company for a revised payoff. The AAG said it would take five to 10 days to respond to the request. Since the the closing was scheduled for XX/XX/2020 this was not acceptable. Numerous call were made to the AAG Payoff department by the title company and the mortgage holder but they refused to provide a mortgage payoff. Because of the refusal by AAG three houses could not be closed as scheduled. 

The mortgage holder requested to talk to a supervisor they were told it would to 24 hours before a supervisor would be available. I believe they were just stonewalling me. I would think that the payoff could be determined quickly. If I called a bank or credit union I could get the payoff of a loan while I was on the phone. Additionally, they said that the payoff would be as of XX/XX/2020. This means since the request was made on XX/XX/2020 that about 28 days of interest would be received by the mortgage company that they did not earn, in affect the broower was being charged a penalty for payoff the mortgage early. The mortgage papers said there would not be a penalty for early payoff. 

It appears to me that rAAG did not care about their customers and was charging them for service they did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We filed several loan modification applications after struggling through several hardships, including most recently the Coronavirus pandemic. We are seniors who have had many medical issues ; a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. We have lived in this home for years and SLS servicing is tearing us apart. 

However we have worked hard to keep up on our mortgage. We have submitted several loan modification applications over the last 3 years. Each time we are told they are incomplete. ON XX/XX/XXXX we submitted a new application with all of our income., with proof of income exceeding $ XXXX/month. IN early XXXX approximately XX/XX/XXXX, we receveid notification from SLS servicing that they had received a complete package from us, no more documentation was needed and that a decision on a modification would be forthcoming. 

We then received a letter dated XXXX XX/XX/XXXX that our modification application was denied, and that XXXX $ was used as our income. The enclosed 12 page attachment shows the income was documented and proof of income. How SLS has the audacity to make a decision to deny seniors based on " XXXX income '' is outrageous, abusive and fraudulent.

How dare SLS deny us, with incorrect information, stating just 2 weeks  before that they had all of our income information which exceeds $ XXXXmonth. 

This is a pattern and practice that SLS has repeated for years and we would like the CFPB to take action.

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 2020-08-04 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: NJ

Complaint narrative:
My credit report has inaccurate accounts and personal info.

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 2020-08-04 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: IL

Complaint narrative:
Why Chase is doing are doing DECEPTION and SCAMS!! I did bought an item on Amazon on XX/XX/2020 with they offer 18 months of interest free over {$500.00} ( AMZN Mktp   XXXX Amzn.com/bill WA XXXX ) and now I don't have that option just because I bought another item on XX/XX/2020 from another store XXXX AMZ*XXXX service @ XXXX NY XXXX ) and I did return the item and the credit is apply to my deal of no interest for 18 months this is a SCAM just because Chase have a system that any payment id apply to the lower rate, but this was not a payment it was a return credit. I Just want Chase to comply with there deals. I just make a payment to pay amount of {$210.00} and the card account is almost pay of because I don't want to be charged with interest.

Company response to consumer: Closed with explanation