vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX Deposit and Discount has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.

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 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2019 I received a letter saying I was being sued for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: OH

Complaint narrative:
I have been getting calls from Superlative RM Debt Collections. They call using a DIALER system but 90 % of the time I wait on the line and there is no one there, it just hangs up. A few times I have waited and a representative comes on the line and asks me to verify my identity, I only verify my name and then ask what company they are calling from and then they hang up. Today I had a representative tell me the company name. I went ahead and verified my address and date of birth then asked what it was about. I am not familiar with the company he said. I then let him know I had not received anything in the mail and I had been trying to figure out who/what this was about. He said they would not mail anything else out. I said Im driving please just resend it and you can call me back 4-5 days later and we can discuss. He said no they were taking legal action. At that point I ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court,  XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. 
The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.

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 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
Recently, there was a collection added to my credit report from AmSher Collections that I DO NOT owe. I mailed AmSher a certified letter asking them to verify this debt that I supposedly owe to XXXX XXXX XXXX XXXX. They were unable to verify this supposed debt in a mailed reply in which I attached to this complaint. 

1- The letter is addressed to XXXX XXXX XXXX . This is NOT my name. 
2- I have NEVER had XXXX XXXX XXXX services. There is no history of XXXX XXXX XXXX services at my address. 
3- They have no copy of signature. Why? Because I never signed anything to get XXXX XXXX XXXX services. They are trying to charge me for someone else 's debt!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
In the month XX/XX/2019, I missed a mortgage payment. My monthly mortgage payment is {$1800.00} each month. On XX/XX/2019, I sent {$2000.00} to pay my late XXXX mortgage. On XX/XX/2019 ; Suntrust returned my payment saying they could not apply the {$2000.00} dollars and the new increased mortgage payment was {$4000.00}. 
On XX/XX/XXXX, I paid Suntrust {$2000.00} and XX/XX/XXXX, I paid Suntrust {$2000.00} dollars. 
On XX/XX/XXXX, I received another returned payment from Suntrust Bank of {$2000.00} dollars and Suntrust says they could not accept or could not apply the payment of {$2000.00} dollars I sent them. Suntrust, now says the new increased mortgage payment is {$4100.00}. I am both tired and frustrated about this fraudulent game Suntrust Bank is playing to return my mortgage payments each month. When I send Suntrust my mortgage payment each month, Suntrust returns the payments as if I did not send them any payments at all. Then Suntrust fraudulently applies a late fee each time ; and fraudulently reports that I am not making any payments to my mortgage. This fraudulently reporting is also affecting my credit. Please Stop This is Fraudulently Activity within Suntrust Bank

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 2019-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
While attempting to purchase our home it was identified the home is in a flood zone according to FEMA maps. The seller paid a surveyor to verify it was above the flood level, which it was, and apply for a Letter of Map Amendment ( LOMA ), which was approved. We received the LOMA and bought the house through XXXX XXXX in XX/XX/2019. Shortly thereafter it was then taken over by Lakeview Loan Servicing. They notified us in XXXX that the was still in a Flood zone we had 45 days to purchase Flood insurance. We sent the LOMA along with XXXX XXXX 's letter of exemption but they purchased the insurance anyway. I have reached out several times to have it removed but they state they can't and never provide straight answers. They will not return phone calls or emails. I have several requests tickets with no replies over the past couple of months. The now state my new monthly bill will be up {$1900.00} from the original {$1500.00}. I really need help as the bank is of no help at all.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
Ditech took over my account from Green Tree who I have been with since XXXX. My monthly payment is XXXX a month. I became behind one payment and called to schedule XXXX be added to each future monthly payment to make up for it, which they agreed with. I have since made 2 payments of XXXX but noticed on my statement that they are not being applied to my mortgage. Ditech shows I have not made a payment for XXXX, which I did ( XXXX ) but was not applied to my mortgage. Second was sent by mail ( XXXX ) XXXX and will not be applied to my mortgage. 

Ditech has a statement that says until the past due is paid payment will be held in a separate suspense account ( what is that? ). Those payment will not go toward my mortgage until I pay what they say I am past due. 

So, my agreement with them to add XXXX a month is bogus. I tried to call and the extension for a representative is no longer in service. 
Also, my payment is due on the XXXX but a rep. told me if I pay it by the XXXX there is no problem, I have been doing so. I emailed the contact they gave me to change my due date to suit my schedule and found out it was bogus. 


I am scared they are scamming me since I have been receiving documents that they are going through law suits for this very thing. 

Please help, I don't want to lose my home over one late payment and them not honoring an agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: UT

Complaint narrative:
I opened a Key Express Checking account with Key Bank on XX/XX/18 with the promotion code XXXX. The offer said that I needed to make a {$500.00} Direct Deposit within 60 days of opening and I would receive a {$300.00} bonus. I met that requirement and Key Bank agrees. But Key Bank is now saying that I needed to make 5 debit card payments from the account within the first 60 days, which I didn't do, but this was not listed on the terms of the offer. 

I'm attaching my confirmation email that says I opened the account with the code XXXX, as well as the offer that I had printed off from Key Bank that shows the only requirement was to have a {$500.00} direct deposit and says nothing about 5 debit card payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act,  you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I applied a credit card for emergency XXXX XXXX in the beginning of XXXX. I had the XXXX and received a bill with 2 weeks and paid it. 
I did not receive a bill since then I called the company about 2 weeks ago and asked for my bill. They said thet they would send it but it never arrived. Despite the fact that they told me that I would not have to pay interest if I pad it with in a year. My interest for the missing bill was {$26.00}. Now I have no bill and am completely unable to reach them on the phone. They are lending money at unusually high interest rates under the guise of helping people get medical and dental treatment. I have been working on rebuilding my credit and this is just destroying it. 

My name is XXXX XXXX. My phone number is XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2019-09-03 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: NC

Complaint narrative:
This is in relation to the purchase of a stale food leading to family members having XXXX and indigestion followed by eating the unhygienic food from the restaurant. 

Transaction Amount - {$70.00} Date of Transaction - XX/XX/2019 Credit Card company - Capital One Case number - XXXX Capital One has still made the dispute settled in merchant 's favor even though merchant has provided no proof as merchant copy of the sales receipt wherein I have approved the transaction. 

Merchant has approved the cancellation and is now refuting the fact that they cancelled the transaction. Merchant is known for following malpractices in the area.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: NY

Complaint narrative:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

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 2019-09-03 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: NY

Complaint narrative:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: NY

Complaint narrative:
I have a whole car and credit card on my credit and i never had credit. Please help this be removed from my credit report, Its not mines. please remove it

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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
a whole credit card open in my name that I never applied for I i need help to remove it from my report. Please help me. I never applied and its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: NJ

Complaint narrative:
May you please assist me. I have accounts that Im unaware of vouch, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day 5 children to feed. please remove this so I can buy our home. Please God Please.

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 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DRB-40, LLC
State: GA

Complaint narrative:
Diversified recovery Called my ex husbands wife  and left a message for my ex husband to call back. When he did they told him there was an issue with my social Security card and number. When a call back was made requesting they not call them the representative ( which was a woman who didnt give her name ) began asking questions about if he was the father of my child and asking question about our child ( who happens to be a minor ) It is illegal to call random people you think I may know lying and asking for my Social Security number

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I visited XXXX XXXX XXXX  on XX/XX/XXXX to have my XXXX  XXXX degree evaluated. I paid extra for 5 days rush and {$15.00} priority mail 1-3 days. I was promised to have it by Friday XX/XX/XXXX. I was made to pay for shipping as XXXX stated that electronic version will not be provided. I received a document on Saturday in the mail and because I called them that my document didnt arrive as promised they sent me electronic version on Friday XX/XX/XXXX. After reviewing it I discovered that there were lots of discrepancies. Document I received was TRANSCRIPT WITH XXXX XXXX evaluated not the diploma XXXX XXXXXXXX ( completely different documents with different numbers ; my receipt from XXXX clearly states that it has to be XXXX XXXX diploma ). I tried talking to XXXX but they didnt listen to me so I decided to call Chase and do the chargeback on XX/XX/XXXX. Chase never asked me for any supporting documentation and decided in favor of the merchant. Although I faxed the proofs ( 16 pages of documents with explanation ) to Chase on XX/XX/XXXX they denied it and never let me know why. I feel Chese didnt conduct proper/fair investigation and possibly never looked at my evidence. They mail I got from Chase states that they found transaction was processed properly. Now I dont know if they even formed the dipute properly as it wasnt about transaction processinf it was about merchant not providing what I paid for within the time I paid for. XXXX trying to get money back responded with document correction days after in the email and they never even makled it to me as I paid for it. 

I am Chase customer for over 10 years and have never been in a situation like that and I am disappointed how my bank instead of protecting my interest is giving my hard earned money to the company that didnt provide quality service?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NJ

Complaint narrative:
May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work 11 hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.

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 2019-09-04 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: NJ

Complaint narrative:
May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work XXXX hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: AL

Complaint narrative:
I applied for an apartment rental and was denied because of information appearing on experian. I am being denied a place to live the dates are. XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX .i believe my information may have been breached. There is no judgement posted on this account.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express canceled all of my credits cards and forfeited more than XXXX XXXX membership rewards points ( worth more than {$7000.00} ). I have discussed the issues with their credit department multiple times by phone and by mail, requested them to reinstate the cards with my willing to pay for the reinstatement fees, as well as requested them to reinstate the rewards points. But so far, they have refused to respond to my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This company is calling me for my mother  to demand I give them info on credit card debt that is not mine : they refused to disclose who they were until I pressured them to tell me why they are calling my unlisted personal cell phone. They stated this is not my debt yet still contacted me. This is harassment and they are disclosing credit information about someone else to me!

Company response to consumer: Closed with explanation