vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
We took out a loan in XX/XX/XXXX and have paid it off many times over. Apparently Caliber Home Loans has filed the fraudulent Assignment of deed of trust attached to try to keep this loan open and foreclose on my home. We have demanded an accounting and history of loan payments and they have refused. They do not own this Loan which was bought by Fannie Mae in XX/XX/XXXX. 

We have sent them the following Qualified Written Request ( QWR ) : We would like clarification regarding the following two documents : 1. ) Evidence supporting the attached Assignment of Deed of Trust. 

2. ) An Accounting of the Loan and specifically the Post Petition payments to you. 

We will be opposing your proof of claim filed in my recent Bankruptcy. 

Thank you for your attention to this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Case Number XXXX On XX/XX/19 I prepaid deposit XXXX $ using Visa card. On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using XXXX card on XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install.

On XX/XX/19merchant agreed to to take the door back and make replacement door within 2 weeks. On XX/XX/19 my husband returned the defective door to the merchant in person. On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/19. On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19to my house. On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with XXXX card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XX/XX/XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner. I dont have the merchandise and Im out of money. My husband is a military veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been attempting to get a line of credit on my home for the last 45 days. Experian has a freeze on my account due to a previous breach of privacy. I was told by my loan officer that the freeze was preventing him from pulling my credit. I went online to " unfreeze '' my account and put in all my personal information and answered the security questions correctly. I had a message pop up saying they couldn't help me, and in order to unfreeze my account I would need to send in a copy of my driver 's license, utility bill, etc. I sent this information 2 day mail on XX/XX/2019. I used my tracking # from USPS,  Tracking # XXXX and confirmed it was delivered XX/XX/XXXX at XXXX to the XXXX , TX XXXX I was told to mail my personal information to. I have still heard nothing from them and my credit it still frozen. I have now missed out on the special Line of Credit rate I would've received because of their incompetency to do their job. I have also called the XXXX phone number and it's impossible to get a live person. They ask for your information AGAIN, I tell them correctly AGAIN, and get the same recording to send in my personal information and get hung up on. This is unprofessional and unacceptable. How does a company with over 1100 complaints on XXXX still be an operating business. The FTC needs to take action and shut this company down. 
XXXX XXXX

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 2019-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried contacting Equifax several times to dispute unauthorized inquires on my credit report but they have been unwilling to address the issue. I filed a complaint against transunion and as a result of their investigation they removed the unauthorized inquires. I spoke to someone at Equifax a week ago who said all I would have to do is fax them a copy of the investigation results and they would remove the inquires in 5 days. I sent the fax containing the results from the investigation the same day he requested me to. I called back on yesterday, which was the 7th day and was told they couldn't do anything I needed to file a complaint with the Federal Trade Commission. I went to the FTC website to file complaint and they directed me to the CFPB to file the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CO

Complaint narrative:
We have attempted to access our loan documents multiple times. They havent been available to download, our online portal says there are no documents available each time we try. 
We logged in and our balance unexpectedly jumped from XXXX to XXXX over night. 
We called and they blamed the jump on a potential technical difficulty. 
And blamed our inability to access loan documents on a technical difficulty as well. 

When voicing how concerning it was that a technical difficulty is changing our loan balance over night like that they said we are being charged aprox. 10-11 dollars in interest A DAY. 
Something we didnt even fathom was possible! 

But those pesky technical difficulties are what they're hiding behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019 I called USAA to close my credit card account. I had a bill for the annual fee of {$35.00}. I was told they could not waive the fee even though I was closing the account " due to Federal regulations '' the fee was out of their control. I was closing the account the fee was for the year coming not the year past, so how can you not waive it as I was closing the account. They claimed it was for their services, what services if I was closing the account? I spoke with 2 different people and they both claimed that due to " federal regulations '' they could not waive the fee. They essentially charged me for services that I did not receive. Is this correct and legal?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
Applied for installment loan. stated annual income to be {$24000.00} They said I do NOT qualify for a {$2000.00} for that annual income

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I am lodging a formal complaint against receivables management. This debt collector has reported derogatory information on my credit reports for a debt that I have no knowledge of having I have sent this company numerous letters with request for debt validation, not verification but they continue to ignore my request. They have also violated the fcra by not sending me a dunning notice in the mail. The debt is for {$320.00} and this has been going on since XX/XX/2018. I am in the process of purchasing my very first home and this errounous account is holding my family and I back. I am requesting immediate deletion of this account from my reports so I can move forward in life and provide a home for my kids. Thank you for your time.

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 2019-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resource Management Group
State: FL

Complaint narrative:
I RECEIVECED A CALL TODAY FROM RESOURCE MANAGEMENT GROUP XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, XXXX score of XXXX and Trans Union score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that 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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, Experian score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that 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 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX  XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX

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 2019-11-18 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX

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 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Our mortgage was purchased by Mr Cooper Mortgage this year and we had a fire in our home XX/XX/2019. Our Insurance company XXXX issued a check to both Mr. Cooper and XXXX XXXX in the amount of {$13000.00} for the repairs. 
XXXX XXXX endorsed the check and mailed it to Mr. Cooper in XXXX Texas as instructed, however Mr Cooper Mortgage will not release the funds in order for XXXX XXXX 's home to be repaired. 
The mortgage is current, his insurance has canceled him due to he second claim this year, if he can't use the funds paid by his insurance to make the necessary repairs the house will become uninsurable. 

Please help us get our insurance funds back from Mr. Cooper Mortgage so we can repair our home. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX XXXX : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX   XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX XXXX   : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX./XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & : XX/XX/XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX IXXXX : XX/XX/XXXX

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 2019-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchased 4 tickets through XXXX exchange. I transferred the money through 2 transactions of {$360.00} each for a total of {$720.00}. I sent the money using XXXX which is linked to my Chase checking account. When I tried to use the tickets I learned they were not real. I consider this fraud and/or false pretense transaction. I contacted Chase and they refused to assist me saying only that I needed to contact " the police. '' They said that they did have the information of the recipient of the funds but would not share his information. I also contacted XXXX and they said that they would not assist me. They explained that they detected fraudulent activity on the account, removed the tickets on my account, and then listed them again to a new seller. They never told me that they were removing my tickets despite having my contact information. I learned this after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
The debt in question being sought after by XXXX was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my lab work that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I purchased an XXXX water treatment system at a cost of {$6600.00} from an XXXX salesperson. I paid {$3300.00} from my credit card and the remaining {$3300.00} was financed through Aqua Finance Inc. The loan was offered at 0 % interest rate if paid in full within 12 months of the initiation of the loan. On XX/XX/2017, I created an autopay schedule at a rate of {$270.00} per month so that the loan gets paid in full within12 months. The electronic system of the Aqua Finance Inc. did not accept or confirm this autopay for $ XXXXmonth. But I assumed this was accepted by the system as it was shown on the screen after submission. Unfortunately, I have lost the screenshot of that page.

Afterwards, Aqua Finance has been charging the minimum amount due, {$83.00}, each month which I did not have noticed due to my assumption that it was getting paid in full within 12 months. As a result, I have been charged 15.78 % on the initial amount of {$3300.00} for 2 years. The total interest that Aqua Finance is claiming is {$1000.00}. Had my autopay been accepted by their system, I would not have to pay any interest at all. 

I think their system is designed to reject payments that are scheduled to avoid interest charges. I hope the CFPB will involve an expert IT auditor to investigate their system so that customers like myself are not victimized in future.

Company response to consumer: Closed with explanation