vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
My home was damaged by a hail loss on XX/XX/2018. XXXX insurance promptly handled damage appraisal and issued a check for the amount of {$19000.00}. The check was endorsed by my wife and I, and The Money Source ( TMS - the Mortgage Company involved ) co-endorsed and released the check to XXXX XXXX XXXX XXXX ( the contractor installing the new roof and guttering, and completing the other repairs required ). There were additional repairs and costs that required a supplemental claim settlement and on XX/XX/18 XXXX issued the final check in the amount of {$2300.00}. My wife and I endorsed the check and forwarded it to TMS as we had before. 

It was at this point I started receiving notices form a company calling themselves " XXXX '' requesting additional documentation. I tried to log into their website on several computers utilizing both XXXX  XXXX and XXXX  XXXX utilizing XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Both operating systems and all browsers returned the same message - " Hmmm, we are having trouble finding that site '' or " Server not found ''. When I called TMS Insurance department - on several occasions - they requested one document after another, saying that XXXX was handling the check but their records showed that ( and each time it was a separate document ) was incomplete, signed in the wrong place, or some other excuse. 

I can't just pay XXXX, I wouldn't be reimbursed because the XXXX issued check was made out to me, the wife, TMS, and XXXX XXXX. The contractor wants their money, and this will end up in collections soon. if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FCO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I leased a XXXX XXXX XXXX from Honda Financial Services. On XX/XX/XXXX I returned the car to a Honda dealer, and sold it to my daughter and son-in-law. The dealer removed the old tags and put on new ones. I was assured the old tags would be returned to Virginias DMV. I XX/XX/XXXX I received a notice from Honda Financial that  I owed {$450.00} for a personal property tax bill for calendar year XX/XX/XXXX. 

I attempted to contact both XXXX County taxing authority and Honda Financial to rectify this situation. Honda Financial informed me that they have requested a refund from XXXX County, but if I did not pay the property tax for XX/XX/XXXX, it would affect my credit rating. 

I believe it is wrong for me to have to pay for what appears to be Hondas failure to notify XXXX County about a change in ownership, and I believe even stronger that taxing someone for property during a period of time when they did not in fact own that property, and havent owned in over a year, is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.

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 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account which has been XXXX XXXX XXXX deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion is failing to report three accounts, two from XXXX and one from XXXX XXXX that should appear on my credit report. 

I have made six ( 6 ) written requests to correct this omission starting back in XXXX  of this year when I cited the XXXX and XXXX XXXX XXXX. 

In response, TransUnion deleted the one remaining XXXX account from my file ( XXXX  ) and since then have failed to return them to my report. 

I have contacted customer service for both XXXX cards and XXXX, and they all emphatically declare they are reporting all of my accounts to TransUnion but that, for whatever reason, TransUnion is failing to include these accounts on my report. 

It has been 90 days since my initial request and over 60 days since they erroneously deleted the XXXX 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 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC
State: CO

Complaint narrative:
American Coradius called my father and left a voicemail saying she's with American Coradius and is attempting to collect a debt and gave my name. She also left a reference number to use when calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I been disputing this account on credit reporting since XX/XX/2018, I have constantly try to explain to Diversified Consultants and the credit bureau that I never had cellular service with XXXX. I was with a company name XXXX for 17 years until they left this area, then I went with my present company ( XXXX XXXX XXXX ) been with them now 4 years. I have disputed this account continually with both Diversified and the reporting credit bureau and they keep tell me that the account is being verified. I asked for copy of any viable evidence, bearing my signature or any trace or payment I made to this account and neither company could not show any proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted Equifax on XX/XX/18 about removing security freeze was told to call back the next day due to not being able to lift the freeze. Called again on XX/XX/2018, provided pin # to have freeze removed and was transferred to at least 6 reps who could not assist me. Spoke with a supervisor who assured me it would be escalated and the freeze would be lifted in 24-48 hours. 48 hours later on XX/XX/2018, the hold is still in place and again called to have the freeze lifted. I was given a confirmation # that the hold would be lifted in an hour which still has not been done. This is beyond unprofessional. Each rep I speak with gives me the same reason and no one wants to rectify the situation. I am being denied for credit due to this issue. I need the freeze lifted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2018 I contacted an individual about getting concert tickets off of an ad. This individual seemed to be real and was willing to do a transfer of tickets through XXXX. I sent him {$100.00} for the ticket, he then blocked my number and avoided all texts coming in. I reached out to my bank, PNC, because this transfer was through XXXX but with my bank. You reached out to my bank, twice, and was told a dispute is being out in for this fraud. I called my bank an hour after the transfer, there is no way this money should have been taken out of my account and sent within that time period, are there no fraud preventative measures in place? Currently Im waiting for my bank to respond to the dispute. This was fraud and scam and I would like my money back. They would be able to track where they sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My mortgage loan is currently serviced by Chase Bank. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due of {$8300.00} so they can strip the equity away from the property. The P & I payments on the property are {$260.00} and eight payments are past due, so {$8300.00} alleged past due amount is grossly padded. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting. Since HUD is unaware of the modification request, they are clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Chase Bank is obligated to process the loan modification with transparency. Chase Bank has  refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Chase Bank claims I was served with a foreclosure summons on XXXX, which is impossible since I was in XXXX at that time. Chase Bank never offered formal mediation per IN 32-30-10.5, which is the state law. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TX

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2018 Status : Collection account. {$1400.00} past due as of XX/XX/2018. 
Status Updated : XX/XX/2018 This is the information from Experian. I did not under any circumstances open anything in XXXX. This debt/account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Security National Automotive Acceptance
State: NC

Complaint narrative:
Security National Auto Acceptance the loan was taken out in XX/XX/XXXX my vehicle was totaled XX/XX/XXXX the insurance company pay the vehicle off and Security National still has on my credit a charge-off amount of {$12000.00} I have asked them several times to remove this balance when the insurance company has paid the vehicle off I need this off my credit they are refusing to remove it the said vehicle is on my credit and it's keeping me from rebuilding my credit as I need to and I do not owe this this company any money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I spoke to Chase Auto Finance at the end of my lease. They told me to expect a letter from XXXX within 60 - 90 days regarding the final balance for my lease. I received a non-certified letter from Chase Auto Finance on XX/XX/XXXX ( nowhere was it marked from XXXX ) dated XX/XX/XXXX for the deficiency balance at the end of my lease. The letter says " Please pay this amount upon receipt of this letter. '' - without giving a valid due date. Based on this, my assumption was that the due date was from my receipt of the letter, XX/XX/XXXX. 

I wrote a check and sent it to the address it listed. The check was either lost in the mail or misplaced by Chase Auto Finance. Chase Auto Finance is unable to confirm or deny mishandling my check. 

Chase placed a 30 day late payment notice on my credit report on XX/XX/XXXX, 27 days after my receipt of their letter. I called on XX/XX/XXXX and spoke to a Supervisor, XXXX, employee ID XXXX, who said that " as much as I agree with you '' that he can not change what has been reported. I requested that they remove the 30 day late notice as I contend I am only 28 days late and they would not remove it. I made the payment in full of {$2700.00} with XXXX, employee ID XXXX. 

I contend that based on their wording, " Please pay this amount upon receipt of this letter '' means that the due date is my receipt of the letter. I made an attempt to pay promptly which was lost along the way, then paid the amount due 28 days after my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TN

Complaint narrative:
Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: LEXISNEXIS
State: TN

Complaint narrative:
Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, XXXX, XXXX   and LexisNexis about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, XXXX, XXXX and LexisNexis each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I was applying for a bank account for a XXXX XXXX XXXX at First Republic Bank and I gave my SSN and did not authorize them to run my credit but they ran it anyway. This is unacceptable banking behavior and I hope you can let them know their mistake and remove the negative points on 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 2018-11-30 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX was my servicer and they no longer exist. Mr. Cooper/Nationstar handles the accts.I have amn open acct and showing delinquency after the mortgage was transferred in XX/XX/XXXX. I spoke to XXXX regarding this and they stated it is the responsibility of Nationstar/Mr Cooper to fix. Here is the complaint number XXXX for XXXX. 

nationstar does not want to fix it as they are stating XXXX put it on and has to fix however no one is at XXXX and it no longer exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation