vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a mortgage account with Quicken Loans for 6 years. I always had the account on auto pay. In XX/XX/XXXX, after Hurricane Irma, they offered a benefit to victims of the hurricane in Florida in which they could provide a break of 3 months without needing to make payments. I made use of this benefit from XX/XX/XXXX to XX/XX/XXXX. My mortgage was reinstated in XX/XX/XXXX where my payments would begin in XX/XX/XXXX. They re-set my auto payments ; however, only until XX/XX/XXXX. I was never notified that this was temporary. Between the months of XX/XX/XXXX and XX/XX/XXXX, payments were not automatically withdrawn from my account and they reported my mortgage as 90 days late to the credit bureaus. I never requested a change or removal of the autopay. They did that on their own after I had set it up form the beginning of the life of my loan in XX/XX/XXXX. Now they refuse to make the proper adjustment to the incorrect credit report they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have attached a letter received from transunion with multiple names which means the report is wrong under fcra.i also received a letter from transunion saying verified as accurate.This account does not belong to me and I would like to know how did you verify this account with 5 different names on my report.what name did you verify this account belongs to me.According to fair credit reporting act section 609 ( A ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract any and all accounts you post on a credit report.I am demanding to see verifiable proof an original signed contract with my signature on it you have on file of the account from XXXX XXXX.I want proof attached to this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX place 2 incorrect accounts on my credit report. I requsted supporting doc from them. They only sent past due bills stating that its my account Im not aware of account so I asked for additinal info which they did not send. I asked for signed contract which they did not send. I asked to remove from my credit file an they refused.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a Bank account with Bank of America about 2 years ago, shortly after opening this account I was the victim of theft of my iphone, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when Bank of America called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from XXXX on my consumer report. I followed all of the directions given to me by both Bank of America and XXXX. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both Bank of America by mail and to XXXX by Dispute. I have made at least 4 disputes to XXXX and I sent a XXXX dollar bill in the mail I sent to Bank of America with the police report they specifically requested for the removal of my name from XXXX. I called the risk department 2 months after mailing in to BOA and they claimed they never received my report and money. XXXX has also failed to send the information to BOA as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.

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 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
I understand outrageous fee and interest these companies charge. Here 's my issue. Around 3 months ago XXXX borrowed {$600.00}. Fee. 700 % This is often a last resort for struggling individuals. I pay {$88.00} per week. Yes. Per week. 3 months on a {$600.00} loan. Asked payoff thinking balance has gone down. I would pay {$720.00} ... no payments have affected my balance..my end date if I pay per week will be XX/XX/2019. For a {$600.00} loan. Yes I know the interest charges. They say, well YOU AGREED But to owe more after paying over {$1000.00} so far. They should be ashamed. I know I am because I had no other choice. I'm embarrassed but desperate times make people ( me ) make bad financial decisions. Awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an email alert that a fraud alert had been placed on my file XX/XX/2018. I called today XX/XX/18 to inquire as to why this alert was placed. After research, I was advised by the representative that the information had been received from one of the other bureaus and that is why it was placed. I contacted both XXXX and XXXX and neither of those even have an alert on my file.The representative removed the alert at my request however, I find it unconscionable that this company is able to do as they please with my credit file, lie about it with no repercussions.

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 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
We had a lease but the lease was not honored by the lessee. They continuously would come into our residence when we were not present with out our permission and we ( my husband and I ) did not feel safe so we moved out. Since we moved out they have continuously attempted to collect XXXX for the lease being broken. We've asked for a breakdown of the numbers and never received anything and they broke the lease to start. We left the residence in great condition and should not have to pay anything since the company didn't honor the lease to begin with.

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 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. 
Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as cash advance loans and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XX/XX/2013 I lived in an apartment complex called XXXX XXXX in XXXX, Tx. XXXX XXXX alleged I skipped on a lease, which is inaccurate based on their own records, and then sold the debt to a collector for collection action. XXXX XXXX purchased this property sometime after and has assumed any liabilities associated with XXXX XXXX. I do not owe any money to XXXX XXXX, the debt collector they assigned to collect or anyone else associated with XXXX XXXX. Ive attached the lease for proof. I submitted notice directly to XXXX XXXX prior to moving since I was on a month to month agreement and not a lease per the documents attached. I also moved out in XX/XX/2013 and not the date alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: MN

Complaint narrative:
I did try to contact rental history reports and Hunter Warfield about inaccuracies all my file and I have a court document that I sent to rental history reports about me and my daughter because she's in the household and also on the report they refused to remove it they refuse to correct the file we keep going around in circles they think it's a joke and it's not funny to me this is stopping me from getting an apartment and they just don't care Hunter Warfield is being rude and disrespectful and I've tried to explain to them what it was and I have proof but they refused to listen to me they keep talking over me and not listen to what I'm saying to them

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Clarity Services
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as XXXX XXXX XXXX and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover bank has consistently and fecklessly engaged in practices designed to deceive and defraud. They include the following. 

1. Unrequested credit line increases! I have never once asked for a credit line increase yet I have received at least 5 from Discover over the years. I have received only 2 other in my lifetime and they were both from a credit card I have held since I was XXXX. 

2. Unrequested credit rate decreases - although this appears altruistic on the behalf of Discover it is yet another cleverly designed way for Discover to defraud and deceive. 
These decreases are generally a fraction of a percent, yet they lock the balance in at that rate for life and future payments and applied disproportionately to new balances and your lower rate. The higher rate from your previous balance almost never goes down and stays at the higher rate. The only way to escape this NIGHTMARE is to pay off the entire balance which most people can not. 

3. On Discover Personal Loans - their payment options are clearly designed to delay payments, confuse the customer obfuscate the true payment date. 
When you make a payment almost every other company in the world schedules the payment for that day, not Discover - they automatically schedule the payment for your due date, you have to manually enter a calendar and select a different due date. This causes payments to be delayed and Discover is able to collect more interest. Also they have a very very unique feature if you make an overpayment. You have to choose whether you want your overpayment to be applied to principal ( which does not lower your next payment ) or your can select to pay more on your next months total due. So, in this scenario you can either pay over and not reduce your next months bill, or you can make an overpayment and Discover will " Hold '' onto this until the next month, nevermind that you are still being charged interest. 

I have an impeccable credit score and have not a late payment in over 20 years until Discover Personal Loans came along and their system was able to confuse me long enough to make my first late payment in over 2 decades.

Discover is perpetuating a fraud against the American public plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX I REPRESENT XXXX XXXX AS I HAVE POWER OF ATTORNEY IN MY MOTHERS CASE DUE TO HER XXXX SHE HAS XXXX AND XXXX  .THIS COMPLAINT CONTAINS NEW INFORMATION AND DOCUMENTS RELATED TO MY MOTHERS OWNERSHIP OF HER HOME, LAW ENFORCEMENT REAL ESTATE FRAUD QUITCLAIM DEED FRAUD CRIME REPORT AND AGGRAVATED IDENTITY THEFT .IN RESPONSE TO A CLAIM BY CHASE BANK INVESTIGATORS I DEMAND A RESPONSE WITH DOCUMENTED EVIDENCE AS TO HOW THEY DETERMINED THAT THE QUITCLAIM DEED IN QUESTION IS NOT A FORGED DOCUMENT NUMBER XXXX XXXX RECORDED ON XXXX XXXX? WHEN IN FACT DETECTIVE XXXX XXXX OF THE COMMERCIAL CRIMES DIVISION OF THE XXXX WAS NOT CONTACTED BY CHASE BANK INVESTIGATORS AS HE IS THE DETECTIVE ASSIGNED TO THIS CASE NUMBER XXXX! FURTHERMORE DETECTIVE XXXX XXXX SAID ALL 3 DETECTIVES ASSIGNED TO THIS CASE ASSERT THE FACT THAT THE QUITCLAIM DEED NOTED ABOVE IS A FORGERY BASED ON THE STATEMENTS RECIEVED BY 2 OF THE DETECTIVES GIVEN BY THE NOTARY XXXX XXXX WHO STATED IT IS A FORGED DOCUMENT BECAUSE HE WAS NOT A PARTY TO THIS DOCUMENT TRANSACTION AND HE NEVER MET MY MOTHER XXXX XXXX SHE DID NOT APPEAR BEFORE HIM, HE DID NOT HAVE HER CALIFORNIA IDENTIFICATION INFORMATION NOR WAS THIS TRANSACTION LISTED IN HIS LINE ITEM SEARCH OR HIS LEDGER, DETECTIVE XXXX XXXX SAID THAT CHASE BANK INVESTIGATORS ARE FREE TO CONTACT HIM IN REGARDS TO THIS MATTER AT XXXX.FURTHERMORE THERE IS THE ISSUE OF THE FACT THAT CHASE BANK HAS NOT PRODUCED THE MORTGAGE NOTE OR THE SERVICE AGREEMENT FROM THE ORIGINAL NOTE HOLDER GIVING THEM THE RIGHT TO COLLECT MONTHLY PAYMENTS .SO I DEMAND TO KNOW WHAT FINANCIAL CLAIMS CHASE BANK HAS TO MY MOTHERS HOME AS THEY ARE NOT THE LENDER THAT PAYED OUT THE 2 LOANS IT IS WASINGTON MUTUAL BANK !!! CHASE BANK CAN NOT COLLECT ON A PHANTOM DEBT .I SUGGEST CHASE BANK INVESTIGATORS ALSO LOOK INTO THE FACT THAT IN CALIFORNIA FILING FORGED OR FRAUDULENT DOCUMENTS IS A FELONY REFER TO PENAL CODE 115 FILING A FALSE DOCUMENT DUE DILIGENCE IS REQUIRED TO FIND OUT WHO FILED THIS FRAUDULENT QUITCLAIM DEED AND THE FRAUDULENT GRANT DEED DOCUMENT NUMBER XXXX XXXX DATED XXXX XXXX .CHASE BANK INVESTIGATORS HAVE NOT BEEN TRANSPARENT ABOUT THEIR INVESTIGATION NOR HAVE THEY PRODUCED ANY EVIDENCE OF HOW THEY MADE THIER DETERMINATION.ITS OBVIOUS CRIMES HAVE BEEN COMMITTED AND THE TITLE IS CLOUDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlas Services, Inc.
State: IN

Complaint narrative:
I called after receiving letter.. verified income and then verified current budget.. offered reasonable payment of XXXX $ per month for XXXX worth of collection due to being primary income and hardship. No negotiation. stated I can pay the current amount suggested but they would continue with action against me. 

i stated I was willing to set up settlement or monthly payment. They were not willing to do either. I stated I would like to avoid court costs and negotiate terms. They stated they would not be willing. 

Phone call XX/XX/2018 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I am a United States XXXX XXXX veteran who is facing a foreclosure sale date on my home on XX/XX/XXXX. I bought my house with a VA loan backed by the government and I know that there are programs and plans put in place to help homeowners in my situation ( lost my job ) but my lender Nationstar has not engaged in a fair negotiation and has not given me access to these programs. I have put myself into a better financial situation and have tried to get Nationstar to take another look at review for these programs but they are telling me it is too late and they are foreclosing on my home. I wanted to contact your agency to file a formal complaint. 

At the time of the purchase I had a good paying job working for the railroad, and moved into the home with my wife XXXX and our XXXX daughters. I had been moonlighting as a XXXX XXXX to supplement my income but was completely shocked when I lost my job and main source of income from the XXXX. I immediately ramped up the XXXX  business  and reached out to Nationstar to try and resolve this matter. After months of back and forth with paperwork, I was approved for a repayment plan with a monthly obligation of {$2700.00}. My original mortgage payment was approximately {$1300.00}, so this was more than double. In my situation I simply could not afford a double payment. I tried to apply again for a modification ( since I was not reviewed for that the first time ) and was told I was denied due to lack of income. This confused me -- how could I be approved for a repayment plan with a payment of {$2700.00} which would require substantial income and then be denied when applying for a modification which would hopefully put my payment closer to where it was before ( {$1300.00} ).  Obviously some type of error has been made on the Nationstar side. 

I have tried to resurrect my case with their agents but have run into brick walls and am now facing a foreclosure sale date. At this time my wife is working and I have slowly grown my XXXX XXXX business. I am also receiving a monthly VA retirement check and have a new job as well. Between all of these sources, we have the financial means to afford a fair and reasonable mortgage payment. However, Nationstar has refused to give me the opportunity for a new review.

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