vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my 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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
I applied for a Discover card in good faith. They approved a new card for me on XX/XX/2020 which was reported to the credit bureaus. On XX/XX/2020 I was informed that my account was to undergo a verification process which I happily complied with. On XX/XX/2020 Discover made a " business decision '' to close my account. This will negatively impact my credit report through no fault of my own. I contacted the company and they refused to give me any additional information. Basically they are accusing me of submitting a fraudulent credit application which is not true. What remedy do I have to correct this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: WA

Complaint narrative:
1. Change of Address was complete to ensure XXXX XXXX was directed back to our Estate. Dated, XX/XX/2020. Claim 1. XXXX Hospital, where request was originated did perform service of changing address of Title for Foreign Trust. Claim 2. XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of Agriculture. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: IN

Complaint narrative:
I graduated college in XX/XX/XXXX, in XX/XX/XXXX I had started paying off my student loans at a loan by loan process. My goal was to pay off my higher interest loans immediately with cash I had saved prior to, in hope that I could drive my aggregate interest rate down, when I decided to make an attempt at consolidating the loans. Around XXXX, after doing exactly what I planned and paying off the higher interested rate loans, I started inquiring about consolidation options. At the time, the highest interest rate loan i had was approximately 4 %. By XX/XX/XXXX, after reviewing my account to attempt to pay on my loans, I had noticed, without any signature or confirmation from me that Navient consolidated and disbursed at a 5.125 % interest rate. The worst part about all of this is that they had reimbursed me for ( 2 ) loans I had paid in full ( 1 @ $ XXXX/6 % Interest ; 2 @ $ XXXX/5 % interest ) without my authorization. The other explanation that was not provided to me, was that the consolidated subsidized/unsubsidized student loans had an interest rate that accrued daily, essentially giving Navient a 100 % return on the note over the 20 year term. I would have never signed off consent for a loan structured in this fashion, and would never agreed to such an inflated loan. I have paid roughly {$11000.00} to Navient over the past 4-1/2 years, of that roughly {$3000.00} or more has been paying on interest, that is not 5.125 %. Navient wasn't even the original note holder on my loan, some how without me knowing, Sallie Mae was no longer in the picture and Navient took me to the cleaners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
This erroneous debt has been passed around from one collection agency to another. This erroneous debt was supposedly taken out in 2014. I had filed a police report concerning identity with my local police dept. XXXX County Police Dept Report # XXXX. Throughout repeated collection attempts neither I the collection agencies have attempted to substantiate that I took this loan out. The new owner has reaged this debt that different collection agencies have been harassing me about for 10 years.Thsi debt has reached the statue of limitations.When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate.If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3500.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 i sent equifax i sent in exhibit A. I clearly listed my full name, Full SSN Number, Full Address, Full previous Address, Full date of birth, The account and account number of the fraudlent account, what needed to be done in detail. Then in exhibit B Is my proof of identity which is my lease agreement and a picture ID. In exhibit C is the FTC report that i have sent to them, in exhibit D equifax sent me a letter on XX/XX/2020 ( WITH MY FILE NUMBER ON TOP OF MY NAME ) they stated they needed more information from me because they could not locate my file. But i provided everything they listed they needed and i forgot to mention i was denied to have an fraud alert placed on my report. This account is hurting my credit rating and needs to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2020, account opened for checking and savings account on Suntrust.com XX/XX/2020, Suntrust debited my other bank for {$100.00} and for {$50.00} to fund my checking and savings account at Suntrust. They sent me welcome emails and information packets to my email welcoming me to Suntrust. 

XX/XX/2020, unable to log into my Suntrust account, no email received. Called Suntrust, they stated account had been closed due to undisclosed reasons. They said they didn't see any balance on the account and no money had been added to it. When told funds were added upon opening, they said if so then it would be refunded back to my debit card that I funded it from. 

XX/XX/2020, funds not refunded, still missing {$150.00}, when I spoke to Suntrust again, they told me the account was closed and they didn't see any money was added to my account but if it had been then a paper check would have been mailed. 

Problem : Opened account but it was closed without notification. {$150.00} was never refunded back to me after Suntrust took it from my other bank account to open my checking and savings.

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 2020-02-24 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my 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 2020-02-24 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: AR

Complaint narrative:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my 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 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Name of Collector : Progressive Management Systems - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Per my health care insurance the debt was paid in full and the balance due is {$0.00}, however ; the debtor refuses to update my account, and it continues to show as payment default with interest accumulating. 

I've already provided the email from the insurance company advising the member which is me does not owe any money, the payment was paid in full by the insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On downloading the entire transaction history for my CITIBANK credit card, XXXX, from the CITIBANK website, it was found that I have overpaid by {$3200.00}. 

The account transaction downloaded spreadsheet shows that my total debits were {$61000.00}. 

The account transaction downloaded spreadsheet shows that my total credits were {$64000.00}, equalling an overpayment of {$2600.00} as of XX/XX/20.. 

On XX/XX/20, CITIBANK took another {$590.00} in AutoPay toward the card account from my checking account. 

With the latest AutoPayment, I have overpaid this card account by {$3200.00}. 

I sent a letter and the printout of the downloaded account spreadsheet to CITIBANK Office of the President by Certified Mail and have received the green receipt confirming delivery.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Dovenmuehle continues to harass me every week with requests to show homeowners insurance from XX/XX/XXXX-XX/XX/XXXX. I have been showing this information to them repeatedly since XXXX. I bought this home in XXXX, unfortunately it was sold to Dovenmuehle which is the most incompetent servicing company I have ever dealt with in 22 years of owning homes. When I purchased this home the underwriter failed to inform me of needing Hazard Ins. It went to closing and was approved with the homeowners coverage that is standard. Dovenmuehle bought it late XXXX and failed to inform me of there requirements until late XXXX so No I did not have Windstorm until XXXX because of not being informed properly of these requirements. I did follow there requirements and bought windstorm on XX/XX/XXXX that Dovenmuehle shows started XX/XX/XXXX. They harassed me about the back dated insurance charges for weeks. Finally they fined me XXXX and change for the months that I didnt have windstorm. Thought that would be the end of it. Nope still getting harassed with new letters asking for proof of coverage.. These incompetent servicers then screwed up my escrow analysis stating I have two insurance policies that are both XXXX and increased my monthly mtg payments to XXXX more a mth. Spoke w/supervisor and hopefully its cleared up. But doubt it with there history! Then they claimed I had lapsed on homeowners once for a few days. Charged me XXXX and change for that. Showed them the ins. Declaration page and they said it would be corrected. Still not! One thing after the next and they are just ready to slam the fines on you for there incompetence. It seems like they are in business to harass, bully, and try to get your home foreclosed. This should be illegal! If any attorneys want to take on this company I would love to join a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NC

Complaint narrative:
I have contacted Navient, and previously XXXX  ( I think ), several times concerning loan forgiveness as a XXXX  in a low income, high needs XXXX for over 5 years of service. I was told several three or four times I would be forgiven XXXX dollars for sending in the paperwork over the phone. After the initial application, I received a denial letter for XXXX for the XXXX instead of the XXXX XXXX portion. When I called, they intimated my loan does not qualify for the XXXX. I inquired about he XXXX and they said it did not qualify for that either. After completing research again and looking into my Spousal consolidation, I called back to find out what I could do and why it didn't qualify for forgiveness. I was then told it did qualify and I needed to resend the paperwork in and it would remove me from the loan and leave only my Ex-Wife 's portion. After re-obtaining the paperwork, I called to find out where to send it, as I was super excited to be done with my half after getting " the run-around '', I was told my loans didn't qualify. I then asked how to get a copy of the transcripts from the call for evidence of what I was told in the conversation, which was not honored. I wrote an inquiry letter to the transcripts department and received a response stating I would have to subpoena the information in order to receive a copy of the transcripts ( XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1000.00} DEPT OF ED/XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$3100.00} which is incorrect, I do not owe them anything. I explained to them that this was a medical bill with XXXX XXXX Hospital, and I was unaware that my insurance did not cover the payments. 
Progressive Management Systems told me that as long as I pay them {$3100.00}, they would immediately remove the inaccurate trade by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$3100.00} on the XX/XX/2020. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt. 
Progressive Management Systems lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. This was all a lie just to take my money in which they took from my bank account on XX/XX/2020. 
XX/XX/2020 Progressive Mgmt XXXX XXXX TEL ID : XXXX {$3100.00} I would like Progressive Management Systems to immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Progressive Management Systems infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Progressive Management Systems and XXXX XXXX Hospital is having on my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I have more than 1 time tried to get a modification of my mortgage with my servicing company CHFA. 

in XX/XX/XXXX my house caught fire. it did major damage. I fell behind on my payments, I called for a modification. Sent in the documents and it took 6 months for them to review ( I have emails ), I finally got a forbearance of 6 months in which they were to then modify my loan, they did not because I reinstated instead.

In XX/XX/XXXX I started to fall behind again due to reduction of income. I tried to modify again and again this took 6 months for them to review, again. I filed a complaint with the CFBP and CHFA stated they were within time line ( I have emails to prove they were not and when they received the last documents ). by the time they provided the Modification in XX/XX/XXXX, I was going to take the modification, but then I found out that I was getting a settlement for a lawsuit I had and decided to reinstate the loan, this was reinstated in full on XX/XX/XXXX. 

I have been struggling due to the LOSS draft on the file, CHFA actually does not communicate with their other internal departments and so they sent a property preservation company to my house who in returned caused damage and stole items off my property. I signed a waiver after a small settlement for this claim only. 

They have since entered my house 2 other times still causing damage to the house, this time they are refusing to cover the stolen items and damage. I also called the police who in fact verified that CHFA had this company enter my home ( I have emails that state the house is not vacant, I have verbally told them this on the phone as well and the calls are recorded.

I recently have had to file BK because of this. I have attempted to try again for a modification and found out today they denied me for these reasons : 1 ) NOT HAVING SUFFICIENT RESOURCES TO REINSTATE THE MORTGAGE, 2 ) HAVING HAD A MODIFICATION AND A BROKEN PROMIS PLAN, 3 ) BEING MORE THAN 12 MONTHS DELIQUENT.

These are not valid denial reasons. I work for a loan servicing company. I work with FHA I know that they did not send the file to FHA because I called them today.

The broken promise plan is because I REINSTED THE LOAN, I have the receipt to prove this.

I believe CHFA only wants to take my home and nothing else. 
I am almost done with the remodeling of the home. I have had to extend my own personal money to pay for these repairs because the insurance company refused.

CHFA 's reasons to deny my modification are unwarranted. I want to see what they sent to FHA to review, because I do know that my loan qualifies for the a Flex MOD. the prior modification they speak of do not qualify as I reinstated my loan a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Bank offered a promotion account opening bonus of {$1000.00} for meeting the following requirements : {$25000.00} account balance on days 30 and 180 ; and make 10 or more debit card purchase. 

Account was opening on XX/XX/2020 and at days 30 and 180 had the requite balance. In addition, debit card purchase requirement has been met. 

Despite meeting requirements, account bonus has not been paid in accordance with terms. Inquiries have been ignored both via phone and email.

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