vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 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: GA

Complaint narrative:
I have been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b )  .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XXXX years ago my ex-best friend got a hold of my information and finance a 2012 XXXX from santander bank under my name. vin # XXXX XXXX when i learn of the situation a year ago, i tried to work with him and the bank to settle the account. but the bank resold the loan to a different bank and my friend change is phone number and move and i don't know how to get in contact with him. at this point my only option is to report this fraudulent transaction in order to try and get a hold of the vehicle and returned it to the creditors. for the past XXXX months i was under the impression the vehicle was returned which what him and i agreed on. but the debt is still on my credit, i have given the creditor his contact infor job and cell phone. they stop contacting me but i know he hasn't return the vehicle because he disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Monthly charges ( {$17.00} ; CA XXXX ) for services no longer rendered more than 13 months incorrect billing I reached out to Experian in XX/XX/XXXX and they advised they were unable to locate an account under my name and account reference as it appears on my credit card statement ; however, Experian will not stop billing. In XXXX Experian began charging {$19.00} under the same reference number on my statement and no matter what I do in raising the issue with the firm, I am unable to get it resolved.

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 monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West. 
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account. 
- Bank of the West team telling me they are unable to close this account. 
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am sorry but there are several accounts on my credit report that need to be removed and you all kept them on there they are paid off

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 2019-03-24 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: SC

Complaint narrative:
Spoke in the phone with a representative who missed pronounce my name several times and didn't completely understand what I was trying to tell her. I believe she said she was based in XXXX. I also sent a USPS certified mail package to Transunion, which was unable to be located since I sent it to the dispute office in PA. I've attached what needs to be submitted to get these fraudulent accounts off of my credit file.

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 2019-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: OH

Complaint narrative:
I refinanced a student loan with Earnest, with a payment amount of {$580.00} ( fixed rate ). The company deferred the loan, upon request until graduation. Upon graduation, I received a bill for {$590.00}. There had been no discussion of what the amount would be upon end of deferment. Ok, I understand this ; however, the following month my payment again increased. This time to over {$610.00}! I contacted the company and it took over three weeks to get this adjusted. They hadn't changed the end date after the grace period/deferment. I was told this was fixed and that my payment would be {$590.00} moving forward. I just received my statement and now it's {$590.00}. I want my payment and my account fixed! This should not be difficult. There are rules and regulations about billing correct payment amounts and this company is NOT meeting these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: TN

Complaint narrative:
I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, XXXX & Equifax asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 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: CarFinance Capital LLC, Irvine, CA Branch
State: IL

Complaint narrative:
Car Financial was paid in full this year in the month of XX/XX/2019. I also have a XXXX  credit card, XXXX account, XXXX account, small commercial loan those current up-to-date. And none of these are being reported on my credit. In fact two days ago I watched my score take a 56-point plummet. In the last year or so I've watched my credit score go lower and lower when in fact I have been trying to increase my score, I don't feel that I am being judged fairly this needs to stop. Please help me. And I would like to thank you in advance.

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 2019-03-24 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: TN

Complaint narrative:
I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed Transunion, XXXX   & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.

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 2019-03-24 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: TN

Complaint narrative:
I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, Experian & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.

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 2019-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
I bought a car from California auto finance. I was never late on making my payments. At the end of my loan my car was totaled and payed off by my insurance company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
This account was opened up fraudulently back in XXXX of 2015. My share the same name as my father and he has opened up several accounts in my name such as repossessed cars, cable, insurance, store accounts and this timepayment corp account. I have attached my previous credit report and police report

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 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent several letter to Equifax in regards to a dispute and the law of verifying by sending me physical verification of the original signed consumer contract on the listed items in the letter to Equifax and they continue to send back letters to me without doing a real investigation and adhering to the law in accordance to the fair Credit reporting act Section 609 ( a ) ( 1 ) ( A ) that requires by federal law to verify. and to send me Verifiable proof which is my right and the law.

the letter they continue to send ( attached ) shows that they are not doing an investigation and following the law. I have given them more that 30days to send me proof and to and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I just checked my credit report to see that 01 CASH CENTRAL is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 i sent a letter requesting to verify this debt thats supposedly owed. This company has not sent me any information regarding my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am having extreme difficulty with OCWEN Loan Servicing. They have continually given me false information or no information. This whole scenario started with an award from XXXX XXXX XXXX XXXX An amount of XXXX was sent to OCWEN in XX/XX/XXXX and they applied all but XXXX months payment to the principal in XX/XX/XXXX. Then in XXXX they sent it back to the XXXX and put my account in arrears, default and obliterated my credit report. After spending most of the rest of XXXX on the phone with them they finally got the funds back from the State, applied the whole amount this time toward the principal, corrected my credit reports, and removed the default fee. When I looked at my account it was correct as of the XXXX statement. However, now they seem to be playing around with the funds again as some XXXX is unaccounted for in the principal and the payments have gone up from what I thought we had agreed upon as of a conversation with their escalation manager XXXX on XX/XX/XXXX. To make matters worse they have created no less than XXXX different 1098 forms, each with a different amount of interest paid in XXXX. The first one shows an interest amount paid of XXXX. The second one shows an interest amount paid of XXXX. The third one shows an interest amount paid of XXXX, which is the closest to the reality. ( See actual payments below ). The fourth one shows an interest amount paid of XXXX. I have been trying to talk to someone in escalation to get some answers but am having no luck. Every time I get a rep they either dont know or tell me they will let escalation know. Im worried that they are manipulating funds to benefit themselves and I dont even know what all they can get away with here. Im even concerned about what the 1098s are telling the IRS. And finally, they have made so many entries on the payment history it looks like a Byzantine nightmare. Please help. 

Actual Payments for XXXX from bank records : XXXX XXXX XXXX XXXX XXXX XXXX Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : XXXX was originally paid out of the XXXX funds when received the first time. XXXX, XXXX, & XXXX payments were increased by me to start reducing principal. Ocwen later used they funds to apply to interest when XXXX funds were received from the State the XXXX time. So XXXX interest only was XXXX and I added XXXX meant to reduce principal. XXXX was XXXX and I added XXXX. And XXXX was XXXX and I added XXXX. As confusing as this is I think what I state below is what should be and matches the XXXX statement and what was also on the payment page on XX/XX/XXXX when I talked to XXXX from escalation. XXXX days later they began playing with the amounts again. Now the payment page is off by some XXXX with regard to principal balance and payment is has been kicked up to XXXX when it should be XXXX as per the XXXX statement page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GSA Commercial Asset Management
State: MD

Complaint narrative:
There was no balance on my account when I stopped working for my job, But they have a deceiful bank - that uses a ro-bo machine that made-up amounts that I owe- that are false.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took out a payday loan for real I recall maybe three I kept getting harassing emails that I was going to go to jail if I didnt pay right now Im paying a total of 11 loans every two weeks ranging from $ 100-  {$50.00} I want to know is there a way I could find out how many loans I have outstanding as I dont Recall and in drowning in debt I have a husband is disabled and I cant remember ever having 10 loans please assist if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Im gon na do my best w/dates. Memory issues. I complained through your company and received a refund somewhere in the area of {$3000.00}. Thank You. But after more investigation I found one year that TCF charged me in the area of {$13000.00}!!!!! In overdraft fees that not only did I not authorize I actually went into the XXXX XXXX branch where Im sure they have copies of the exact date and times I was inside which is only a hand full.That day inside the he I was speaking with a rep from your company on this and even sent original Tcf statements showing the dates ( approx ) a year, the massive amount of TCF unlawful charges they charged my account in 12 month period. I specially went there that day to specifically to demand if there is no money in my account I do not want you to be nice and let it slide along with {$37.00}, $ XXXX. If the money aint in the account DO NOT LET IT GO THROUGH, PERIOD!!! XXXX XXXX XXXX. I know There is settlement in place for victims of this greedy with willful and won ton evil intent took our hard earned money! And the CEO OF TCF Yacht has the name OVERDRAFT on it??? The arrogance of this man. Basically said to me XXXX I got your money .Thank you keep banking with me and Ill keep treating you just like everyone else, my word Anyway about the settlement. Im in one of the 5 states Illinios. And mine is a rather large amount. Please let me know what to do to get involved in that settlement over XXXX? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been trying to communicate with SLS mortgage/collection agency for the past few years but they refused to communicate by email. 
We have been insolvent after the real estate crashed in XXXX. Both my husband and I have serious health conditions ( XXXX XXXX, XXXX XXXX and XXXX ), and are not able to work many hours. 
I have been trying to settle with SLS but with no relief. 

XX/XX/XXXX, When our property was in a short sale, XXXX ( first mortgagee ) was offering {$3000.00} to XXXXXXXX XXXX ( second owner of the equity line ) XXXX wanted {$19000.00} to close the deal and forgive the rest of the loan with tax liability to be on us. So it fell out of escrow because XXXX did not complied. 
In XX/XX/XXXX, we got an affordable modification with XXXX with a differed amount of {$300000.00} and adjustable rate on the balance which has gone up three times. Now our payment is {$4000.00} We have been insolvent since and have lots of documented health problems, ( husband has XXXX XXXX XXXX XXXX in his XXXX, XXXX and I have a XXXX XXXX that is triggered by stress, and an XXXX is needed to correct this situation. I also have XXXX in all my XXXX  and XXXX due to stress ) Now, with the increased payment on this property, we may not be able to keep it due to our health issues. In that case it may go to short sale or foreclosure. 
At the moment, my father-in-law is willing to offer {$18000.00} to SLS and have the rest forgiven. But SLS continues to reject our offer or communicate or respond through email. They continued to demand large payments from us every month. 
This has been very stressful and has cause serious problems with my health

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 2019-03-25 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 just checked my credit report to see that 01 XXXX XXXX is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.

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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 i sent a letter requesting to verify this debt that's supposedly owed. This company has yet sent me any information regarding my request to verify this debt.

Company response to consumer: Closed with explanation