vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: NM

Complaint narrative:
Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location.  I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful. 

In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume. 

While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the 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 monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been directed by Navient that i was eligible and enrolled in the public service loan program. However after reading about a pending lawsuit i have found out that Navient did not tell me that i could not use this program because my loan is a XXXX consolidation and not a XXXX. This was done year after year, they lied and mislead me to believe i was in the Public Service Loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
First, I do not know who is BSI and had no business association with that bank or company, but called my home several occasions asking for my address and the condition of my house. So I to sent them a debt validation letter, no response, and likewise QWR no response. Yet keep sending Mortgage Statment with some ridiculous and extravagant sum which was paid off. 

The balance was {$28000.00}, XXXX received a grant in my name for {$18000.00}, plus I had paid XXXX for 5-years {$520.00} per month = {$31000.00} + {$18000.00} grant= XXXX. 
Enclosed with BSI Mortgage statement. When I filed Chapter XXXX Bankruptcy BSI was not on the creditor list but they appeared at the hearing as a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
They contacted my father and fully disclosed the debt, the amount owed and who I owed it to. This has created a huge issue in my family and making me embarrassed as I was going through a divorce. Why are they allowed to tell my dad about my debt? I thought that was illegal? I am contacting a lawyer now to see what else can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Experian requested additional Indemnification documents from me in which I provided but I haven't heard anything back from them. The additional documents they requested I sent in my original dispute as well.

All accounts were removed except " US Bankruptcy Court Clerk of XXXX XXXX  CT " in the amount of {$0.00}. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from 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 non-monetary relief
Consumer complaint received 2019-07-24 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Marcus by Goldman Sachs put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but XXXX has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX by XXXX XXXX put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but TransUnion has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.

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 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I had a credit card with XXXX XXXX. I paid it off in 2018. It was sent to collections and will not accept the information I have sent numerous times proving it was paid off. It remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: DISCOVER BANK
State: NC

Complaint narrative:
Discover Financial performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would XXXX has not removed it so I am filing a complaint against both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Freedom Mortgage has failed to report the correct loan # XXXX status which was paid-off back in XX/XX/2019. I will attach the latest credit report which was generated today XX/XX/2019. 

All I am asking for is for Freedom Mortgage to report my loan status correctly and it is being ignored again XXXX  months now and still not reported correctly.

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 2019-07-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would Equifax has not removed it so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2019 I received an alert from XXXX that credit card from PayPal was inquired an or opened under my name and SS number. I did not try to open one.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off a balance for deletion and it was not removed from my account. The company submitted all the information to TransUnion and they reported this file inaccurately for 2 months. I have the documentation to support and the refused to help and to me that is not fair reporting and should not be allowed to do that to consumers

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 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: MO

Complaint narrative:
In XX/XX/2009, a mortgage with XXXX was discharged in a Chapter XXXX bankruptcy. The debt was never reaffirmed. I have documentation from XXXX stating exactly that. The loan has been sold multiple times. The most recent purchaser has reinstated the debt and reported with the credit Bureaus. The debt was never reaffirmed with any owner of the mortgage. This company is in violation of federal laws pertaining to bankruptcy.

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 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient calls my phone up to 10 times day. Starting XXXX XXXX and up to XXXX XXXX at night. I am already being garnished by XXXX, and have a child in college. I have to pay out of pocket for tuition for his schooling. They are not interested in helping just harassing me everyday 7 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
{$420.00} was taken from me from MoneyLion Ive called multiple times to get my money back from them they said I cant transfer to my other bank account. I had my work pay in there?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the 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 2019-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
i have a new mortgage loan though XXXX eff XX/XX/19 i contacted then on XX/XX/19 to see if my automatic payment was received and found after talking to XXXX that my account was set up incorrectly, after making the adjustments XXXX accepted my payment ( payment # XXXX ) said the payment would be withdrawn Mon XX/XX/19 from my XXXX XXXX acct by Fri XX/XX/19 the payment of XXXX had not. I contacted them again and spoke to XXXX she stated XXXX transposed my acct # when processing the payment and she ( XXXX ) would reverse the payment posted to my XXXX account ( also reverse the " bad check fee '' amt {$15.00} ) and to call back Monday XX/XX/19 to have my actual payment processed for XX/XX/XXXX. I did call them back and spoke to XXXX for the payment, ( payment # XXXX ) she processed my payment it was to be XXXX however as of today XXXX was taken from my wells fargo account i called them and was tole this would need to be escalated to a supervisor and it could take 2/3 days for a response, mind you my XX/XX/XXXXpayment is still outstanding and another persons payment is still on my wells fargo account, please advise

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 2019-07-24 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: CITIBANK, N.A.
State: MT

Complaint narrative:
I recently reviewed my credit reports and noticed a hard hit inquiry made by CITI on XX/XX/2019 that I don't recall authorizing. I am a victim of identity theft and regularly monitor my credit reports. I called CITI on several occasions with the attempt in resolving this matter informally and unfortunately i haven't had any success. My most recent call occurred today and like the previous calls the hard hit inquiry wasn't confirmed that I authorized it and that it was made with a permissible purpose. Like my previous phone contact with CITI representative this one was unprofessional and when I was asked to speak to a Supervisor they simply disconnected the phone call.

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 2019-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
The documents on my home loan are false its stating I have out 2 loans some of the names mentioned on the home loan are people I dont know the loan amount is incorrect as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for The XXXX XXXX XXXX {$650.00} with you & they continue to report this account that is not mine!!!!!!

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 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
My address changed and this debt/bill was never sent to the correct address. 

I have attempted to pay it and have the incorrect collection removed but the company refuses to do so even though I was never notified of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: New Mexico Educational Assistance Foundation
State: FL

Complaint narrative:
They are requesting garnishment from my employer with no judgement. Calling my work and leaving messages on a public work phone. Sending faxes into public fax machine. Repeated calls to me and family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a vehicle with XXXX XXXX XXXX. On XX/XX/XXXX the vehicle was picked up from my residence as agreed between myself and XXXX XXXX ( owner of XXXX XXXX XXXX ). Months passed and I noticed the account remained open with a rolling balance, as if I still had the vehicle and just did not pay each month. I disputed the account with Equifax. I received a document stating " This creditor has verified to our company that this account is reported correctly. This creditor has verified to our company that this account has not been closed. This company has verified that the balance is being reported correctly. '' All of which was incorrect. I confronted Mr. XXXX, he claimed he was not reporting that info, it was Equifax. He provided a letter stating he had possession of the vehicle and the balance was cleared. However, when provided to Equifax I received yet another letter stating as above.After 3 years of disputes, I finally submitted papers to court for the situation. On XX/XX/XXXX Mr. XXXX was served on behalf of XXXX XXXX XXXX. 3 days later my credit report was updated to reflect the information I had disputed for 3 years. A fair and accurate investigation was NOT completed and a blatant violation of my rights have occurred on behalf of Equifax and XXXX XXXX XXXX. Even with documentation showing the possession of the vehicle, letter from Mr. XXXX, License plate surrender form from DMV, etc. Nothing was done to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for XXXX XXXX XXXX   {$5800.00} with you & they continue to report this account that is not mine!!!!!!

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 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot was incompetent in providing details on loan estimate worksheets to provide accurate information about fees and taxes associated with a new mortgage. Data needed to be frequently checked to ensure accuracy of information. After completion of the new home, LoanDepot forgot to get their final inspection and asked for pictures of our home interior after moving in. Pictures were " required '' for the loan even though the mortgage had been sold to another lender and recorded without issue with the county assessor. Imagine a bank requiring pictures of your wallet which you no longer have an account with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
Repeated calls/voicemails from ‭+1 XXXX XXXX‬ posing as debt collection company “Collection Center Inc” asking to call back at XXXX in regards to a collections.

I don’t have any collections, and appears to be a scam, I’m also on the National Do Not Call registry, so I shouldn’t be getting sales calls if that’s what this is either.

Company response to consumer: Closed with explanation