vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 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: GA

Complaint narrative:
I tried to get my credit report and it said my social security number did not match my name and it told me I had loans I didn't get

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: MS

Complaint narrative:
First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: LEXISNEXIS
State: MS

Complaint narrative:
First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.

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 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I spoke with XXXX from Navient who stated that they received a completed loan consolidation application from XXXX XXXX on my behalf and I never completed the application online. I only completed FASFA for XX/XX/XXXX-XX/XX/XXXX and then I had to go back in and do one for XX/XX/XXXX-XX/XX/XXXX FASFA application upon doing so in XX/XX/XXXXmy school notified my promisary notes were ready to be signed and I went into my account on Student loans.gov and there was the consolidation application and they support team stated they are not sure as to how that happened by just cancel it and it would not allow me to do so so they said accept it and we will cancel it on our end. I was under the assumption that is what happened on XX/XX/XXXX until I was notified by navient I then told them that was incorrrect and to cancel the application they stated I had to contact student loans customer support i did that and they are ping ponging me back and forth with the same statement. No one wants to accept responsibility and to make matters worse the original consolidation from XX/XX/XXXX was included in my bankruptcy filing on XX/XX/XXXX and not suppose to be touched at all. 
The next issue is the account is wrong I have four loans with all different interest amounts and there should only be two loans the consolidation in the amount of XXXX ( ROUNDED TO THE NEAREST THOUSAND ) and the AMOUNT REQUESTED IN XX/XX/XXXX FOR CURRENT SCHOOL YEAR taken out to cover the last two semesters of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
incorrect about my escrow going up my home owner insurance is XXXX a year and my county taxes with school taxes included are XXXX ... this company has over charged my escrow for yrs and then they ( Owen loan servicing ) sent me recently a check of XXXX in which they say that they owed me since 2 years back that money. the reason they sent that check is when I told them that I was tired of what they were doing to me and that I was going to report them with consumer finance protection bureau that's when I received that check. We purchased our home XX/XX/XXXX with XXXX XXXX XXXX in which that company went under XX/XX/XXXX and then Owen loan servicing came in to be the mortgagor. I have been paying my home since XX/XX/XXXXit is all recorded in XXXX county and in XX/XX/XXXX Owen loan servicing started collecting payment of the same loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recoveries, Inc.
State: UT

Complaint narrative:
There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more  identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.

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 2018-03-27 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: IA

Complaint narrative:
Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Red Cedar Services, Inc
State: TX

Complaint narrative:
XX/XX/2018 XXXX CST *****Ive never done business with this company ****** If you are unable to see the message below, click here to view. 

XXXX XXXX XXXX XXXX, Our records indicate that you have an outstanding balance on your account. XXXX is willing to accept less than the full balance by offering you a settlement. At this time we are able to offer you a 40 % discount on your balance. Please contact a representative at XXXX to take advantage of this opportunity. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX OK XXXX You are receiving this message because you have an open account with XXXX. You previously agreed to receive messages from XXXX related to your balance, payments due or made on your account, and actions you may make on your account. XXXX your privacy seriously and does not tolerate spam. You can view our privacy policy here, To report a suspicious e-mail, please contact us at XXXX or call us at XXXX. 

XXXX is a tribal lending enterprise and governmental instrumentality wholly owned by the XXXX XXXX XXXX XXXX, a federally recognized XXXX tribe. XXXX is regulated by the XXXX XXXX XXXX XXXX and licensed soley under the laws of the XXXX XXXXXXXX XXXX XXXX. XXXX is not licensed in any state. Your loan application and agreement were deemed received and accepted, and all aspects of the loan approval process deemed completed, at the offices of XXXX located on the tribal trust lands within the sovereign jurisdiction of the XXXX XXXXXXXX XXXX XXXX. 

If you have any questions, please visit our website at XXXX or call us at XXXX XXXX. Our mailing address is XXXX XXXX  XXXX, XXXX, OK XXXX. 

Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.

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 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: DC

Complaint narrative:
XXXX 1. Navigated to XXXX XXXX to obtain auto-refinance rates 2. Entered information to identify myself 3. Upon completion of profile, I was asked to provide the LAST 4 DIGITS of my SSN a. This is the misleading part - although it appears I may have authorized them to pull my credit from the last of the terms, I DID NOT KNOWINGLY AUTHORIZE THEM b. See attached screenshots 4. Called XXXX XXXX - they say I did authorize them to give out my FULL SSN ( not last 4 ) to 5 lenders and those lenders could pull my credit.

This is an incredibly misleading practice. Provide LAST 4 of SSN and they go out and provide my FULL SSN to 5 lenders ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hard inquiry on all 3 credit reports from capital one na XX/XX/XXXX that I did not make. I sent capital one a letter XX/XX/XXXX asked them to validate or remove it. I received a blanket response from capital one XX/XX/XXXX reference number XXXX Which is simply a blanket response explaining types of inquiries. It is a hard inquiry that I did not make and they have failed to validate in over 30 days. I want it removed. I spoke to supervisor XXXX today at capital one and she asked for more time. Their time is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the dates of XX/XX/XXXX toXX/XX/XXXX. The transactions seemed not timed well and alerts seemed delayed at times again. This seems to happen around the XXXX to XXXX or so of every month at times. I would love to see smooth transactions. It is almost as if one individual at Chase is consistantly touching on my account to cause fault. Hopefully Chase can trace its employees actions if unusual. If it can happen at XXXX it can happen to a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. 

I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 

21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was bank of america

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received this letter from ERC ( attached ) which I have no idea about any XXXX account. The information represents that my personal information has been mistaken with someone else 's or that my credit file and personal identity has been totally compromised. This is a serious matter that needs immediate attention before it is put on my credit report. That would be a fraudulent act by ERC and XXXX as this debt is not mine and could be a result of ID Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
A woman named XXXX XXXX XXXX and a XXXX XXXX called my place of employment XXXX and my cell phone XXXX calling repeatedly on XX/XX/18 and prior to that they would call a couple times a day from XXXX x XXXX and calling from spammed numbers or unknown numbers, leaving messages stating that they were sending the police to serve me from XXXX XXXX, or sending units to my home or place of employment threatening to serve me with judgement papers. I asked them to stop calling but they have repeatedly called back to back even after I asked them to stop. I do not know the name of the company. they have also called my relatives as well stating they were sending the police after me etc. I have never received any written correspondence from whoever this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.

Company response to consumer: Closed with non-monetary relief