vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I paid {$550.00} for a home appraisal that took place on XX/XX/2019 with Better Mortgage. Due to terrible service, I switched over to XXXX XXXX. Now, in the final stages of the refinance process, Better Mortgage is refusing to send over the appraisal to XXXX XXXX. They are making claims that they are not allowed to but we know the real reason is to stronghold me back to doing the refinance with them. Please help me, I just want them to transfer the appraisal over to XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I noticed there were fraudulent accounts being reported to my credit report earlier in 2019. I disputed the accounts and eventually most came off but there are still fraudulent accounts being reported. These accounts need to be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA XXXX Subject : XXXX University, XXXX Outstanding Balance- delayed XXXX completion XXXX UNIVERSITY   XXXX ID # XXXX I am writing to dispute the subject debt. Please provide a verification of the debt and related details as required by law. 809. Validation of debts. I enrolled in the XXXX program XXXX and continue affiliated with XXXX XXXX program. This debt appears to be " old '' and not longer applicable. Approx. $ XXXX {$10000.00} is now being demanded before even being allowed to graduate with my XXXX after completing coursework thru dissertation stage. I am a low income mature citizen with chronic medical 'challenges ' on a fixed income/pension. 

Also, I am disputing the debt and efforts to collect because I feel that Ability Recovery efforts violated provisions of the United States XXXX provision the Fair Debt Collection Practices Act ( FDCPA ) in XXXX including 806. Harassment or abuse -- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

Your efforts and XXXX University have oppressed and abused/delayed my seven year efforts to complete and graduate with a XXXX XXXX XXXX XXXX XXXX. 

I have been denied employment, housing, a peaceful enjoyment at various residencies and continue to suffer attempts to publicly humiliate, XXXX, XXXX and age related domestic terrorism. I am taking legal action as a consequence and hope to resolve matters with XXXX University and your firm to expedite the process. 

I hope for a rapid response and can be reached at XXXX XXXX XXXX XXXX and/or the address above. 

Regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX CC : XXXX XXXX XXXX XXXX XXXX University

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 2020-01-09 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
LendingPoint ruined my credit which has caused me great financial harm because they have refused to correct my credit report after they offered me a Loan Forgiveness of $ XXXX after I made a large payment and they reported it as a debt settlement and now they are reporting me as over 60 days late. I was unable to do a refinance on my own because my score plunged over 100 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: LA

Complaint narrative:
i send the letter on XX/XX/2019 to experian about Identity Theft and i enclosed the police report detailing the investigation with the process

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 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital Bank is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. Capital One is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: LA

Complaint narrative:
For the past few years I have been trying to get an income based repayment plan from Navient and they have stated several times that I qualify for it, but they put the account into forbearance where it accrues insane amounts of fees over a course of a few months. Along with the accruing fees they have stated several times that they would send me the forms via email for the income based repayment and though I have called and told them several times that I have not received it, I still get told they will send it again. They confirm my email address with me each time but I still don't receive it though I receive account verification email from them. I'm so tired of Navient not doing as they say they will and getting charged these outrageous fees. I went on their site after fighting with them to send me the forms and finally downloaded them. I filled them out and sent them to the address that was given to me and low and behold I find out later when they are trying to talk me into forbearance again that they never received the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit 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 2020-01-09 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: LA

Complaint narrative:
after seeing my credit report i notice items that were not mine on there and filed an identity theft report with my local police station for transunion on XX/XX/2019 and attached 23 of the 60 plus items on there.i did not authorized these items to be there

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 2020-01-09 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 applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit 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 2020-01-09 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 applied for a loan today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify due to having several accounts in negative standing. None of those accounts are mine ; I did not open any of those accounts and I did not give anyone permission to open those accounts with my personal information. I filed a police report as soon as I could after finding out about these unauthorized accounts. I did not benefit anything from these accounts nor did I make any payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I did not allow them to access my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED MORTGAGE CORP
State: OR

Complaint narrative:
Back in XX/XX/2019 my husband XXXX XXXX XXXX and myself decided to refinance our home. We needed a new roof. We applied with XXXX XXXX, A corporation of New York, XXXX # XXXX, Originator XXXX XXXX XXXX. They sent out a notary 3 different times and still, no loan. XXXX XXXX, the loan officer, kept saying the VA was holding up the loan. I called the VA Loan Center, XXXX XXXX and spoke with the Underwriter , XXXX XXXX. The loan had been approved and the lender had FAILED to supply requested documents. In the meantime, XXXX XXXX  via XXXX XXXX kept telling me that the VA was holding up the loan. We had taken out an XXXX dollar loan to put a new roof on our home. XXXX XXXX  's failure to do the loan in a timely and proper manner has caused financial hardship on my husband and myself. We were denied XXXX and {$500.00} dollars a month to pay for the new roof. Not to mention, my husband, XXXX XXXX is a XXXX veteran with a XXXX XXXX and XXXX. This has caused unbelievable stress and hardship. If XXXX XXXX  had done their job, the loan would have been funded months ago. Instead they lied to us and strung us along for MONTHS, 5 months to be exact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

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 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: FL

Complaint narrative:
My loan forbearance was coming up to an end and I started recieving emails and calls about the new repayment plans offered. The explanation of these plans are offered on the US Department of Education 's website so when XXXX XXXX XXXX   contacted me giving me all the details of all of my loans and described which plans I may be eligible for, it seemed like a legitimate company. Due to the fact that I made below a certain amount of money, I qualified for the Income Driven Repayment program. Which was explained to me that if I paid the {$540.00} dollar fee plus $ XXXX that I would only have to pay $ XXXX for the next 20 years, and that I qualified for all of my interest to basically go away and that now I would only have to pay the principal for as long as i had the same income. The only way that would change is if I had a substantial change in income. I entered into the agreement with the XXXX XXXX XXXX, referred to as XXXX, on XX/XX/2019. I made the monthly payments of {$180.00} for 3 months at the end of each month XX/XX/2019, XX/XX/2019, and XX/XX/2019 totally {$540.00}. No change in my income has occurred. Once I paid the {$540.00}, I spoke with someone at the US Department of Education because I was still receiving letters about my student loans. They informed me that the XXXX was not a company that they are affiliated with and that my interest was actually 6 %!! I explained to them what I was told and the payment plans, they told me that if I was entered into the agreement under false pretenses that I would need to report it. I have since then, put all of my loans back to the previous lender that is recognized by the US Department of Education and have attempted to contact the company XXXX for a refund of my funds. I called the phone number provided to me in the emails containing the contract and have spoken with them when filing the agreements in XXXX through this phone number, now the phone number is temporarily out of service. My credit card company who is supposed to protect me against fraud is giving me a really hard time about this. This credit card company is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express offers reimbursement of charges for the TSA PreCheck Program to holders of the American Express Business Platinum Card, according to terms on its website, totaling {$85.00}. The card in my hand right now says, at top, AMERICAN EXPRESS BUSINESS and has the words PLATINUM written on the side. The card is also platinum colored. 

Amex refused my request for a credit to reimburse because according to their records, I do not have a platinum business card, but a regular business card. They wouldn't let me send a photo, and gave me a random fax number, then said it wouldn't matter anyway. 

By offering this account credit and sending me a card labeled AMERICAN EXPRES BUSINESS PLATINUM, I assumed I was entitled to the advertised credit, and went ahead and purchased TSA precheck and asked for the credit. I was repeatedly stonewalled. I have a record of the chat and photo of my card and believe they have falsely advertised a service to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: LA

Complaint narrative:
after seeing my credit report i notice items that were not mine on there and filed an identity theft report with my local police station for XXXX on XX/XX/2019 and attached 23 of the 60 plus items on there.i did not authorized these items to be there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
Last XXXX I received email from keybank get {$300.00} by opening a gold money market savings account, so I opened account with XXXX dollars ( I funded the amount while opening the account, money was funded by another bank ), I kept XXXX for over 60 days, as it require. So far I still got not any bonus at all. Called customer service they confirmed Im eligible for the offer and escalated the issue, submitted internal ticket, long time past, still no bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NV

Complaint narrative:
the report on my credit report incorrect many items does not belong to me and must be invalid must be removed from my credit report. most of 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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Todays date is XX/XX/XXXX. On XX/XX/XXXX I gained two points in EXPERION in  XX/XX/XXXX the two points removed. The only thing negative there is on my Experian file is in the score factor That that claims that I have a mortgage That is not true but after 14 attempts a year and one month The people at EXPERION Refused to remove the incorrect information, The strategy Experion use Is the transfer you from membership to disputeIts saying the other is the department that can remove The probably information And I have been continuing this game for one whole year. So ask what was the date that this report originated. That proves that what I am saying was correct. Then to my surprise XX/XX/XXXX the information was changed. Secretively To say no activity on my mortgage. Then they told me to contact the ( FCRA ) lol that is a get off the phone tactic. This is the Issue there was A mortgage that did not belong to me that was removed in XX/XX/XXXX and the mortgage was higher than average. EXPERION remove the mortgage but did not remove mortgage influence from the score factor.

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 2020-01-09 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: NV

Complaint narrative:
the report on my credit report incorrect many items does not belong to me and must be invalid must be removed from my credit report. most of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
Purchased modular home in 2000. I was in my twenties at the time and agreed to an extremely high interest rate in hopes of refinancing later. Couldn't find anyone to refinance a modular home. Original loan amount was {$53000.00}. 20 years later my balance is {$42000.00}. Last months payment of {$670.00} ( which included an extra {$50.00} ) was divided {$150.00} towards principal and {$360.00} towards interest. My land which is not financed is also collateral. The company constantly harasses me even when my payments are on time or agreements have been made and kept, calling multiple times a day. I have tried speaking to them about options to reduce interest and they talk over my head trying to confuse me until I give up. At this point in the loan, I should be seeing more towards principal. Even if I continue to make regular payments of {$620.00} for the remainder of the 10 years of loan ( 120 months ) this would amount to {$75000.00} when I owe a balance of {$42000.00}. A difference of {$33000.00}. It isn't adding up and I am unable to get the answers I need.

Company response to consumer: Closed with explanation