vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX. I reside in XXXX XXXX, NC. I kept receiving offers from a lender called Mariner Finance ( who is located at XXXX XXXX XXXX XXXX XXXX ) to my mailbox about a personal loan. A check came from them with my name on it for {$1200.00}. I called the location to ask if the check was real. The branch confirmed, so I took it to XXXX  XXXX XXXX who it is drawn off of to cash. I cashed the check successfully. A month later after I made a payment on the loan, I received a call from Mariner asking if I would possibly need a little more funding. Manager XXXX stated I was able to get {$500.00} more and to come to see him, bring I.D., Social Security Card, and last 2 pay  stubs. 

I went that same day to see XXXX, and he told me the social security numbers do not match what's on my card to what's on the computer. He asked me a question about my car, I stated yes I have a XXXX XXXX. Then he states another vehicle 's name, and I said no that's my father. My father has never lived with me, he has never resided in XXXX County which is where the city of XXXX NC is located in. He stays in XXXX, NC. 

Manager XXXX tells me well he will just have to get it switched out of my Dad 's name and into mine, no problem. I kept calling trying to inquire about what was going on and he kept telling me they were working on it. About a week later, XX/XX/2019, I talked to a representative at Mariner Finance by the name of XXXX at the XXXX XXXX location. I told her I was following up on my account and told her the issue. She stated it was approved for me and it was out of my father 's name. I went down to Mariner Finance. brought a copy of my last two pay stubs, I.D., and Social Security Card. I was placed in a room, was told to fill out a reference form. I was in the room alone for about 45 minutes to an hour. 

Manager XXXX steps into the room and says they could not get approved, they need my father 's name on it. I said No! I have already spoken to my father about this mixup and he does not want his name on any loan! The manager then started to tell me well you cashed a check meant for him. I told him that's not my problem! That is your company 's mix up and then you falsely tell me it's been fixed and I come down here and it is not! He said this happens all of the time and there is nothing they can do about it. I asked for the corporate office phone number, however, I have received no callback. 

This is not proper lending practices and I would like help on this matter. My father should not have his credit tied up because of Mariner Finance 's mistake. I am willing to have it on my name as the check came to my address in XXXX. I also believe I tried to apply to them before in my history while I was in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I sent a check to PHH Mortgage in XX/XX/2019 in full payment of my XX/XX/XXXX mortgage payment, {$920.00}. PHH Mortgage processed the check in an incorrect amount of {$720.00} which was {$200.00} less than my check amount. I have spoken with them 5 times, received a copy of my paid check showing the correct amount of the check with no correction by PHH Mortgage. I was told most recently on XXXX.19 that the additional {$200.00} would be recorded and applied to my loan balance on XXXX.19. This still has not been corrected as of XXXX.19. 

After calling 4 times and giving approval for them to process the additional {$200.00}, I received another written notice that they needed my approval to correct their mistake. Legally, the signed check I issued is my approval for the {$920.00} payment. I also gave verbal permission by phone on XXXX.19.  When calling today, the customer service agent placed my call on hold and then hung up without addressing the error or calling me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, TransUnion LLC, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

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 2019-12-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to Equifax, XXXX  XXXX, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, XXXX  XXXX, Experian late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

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 2019-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: SD

Complaint narrative:
I opened this loan in XX/XX/2016 to pay for a education program. I had times of hardships, and kept in contact with the company for payment arrangements. I had automatic payments come out of my account and they are not showing up or being acknowledged by the company. When I try to call the company to pay the rest of my account off and figure out where my money was going they hang up or leave me on hold for extended periods of time until I hang up. They never answer my questions, and this has ruined my credit scores keeping me from being able to get any car or home loans for my family or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
i made extra payment to my mortgage company last month ( XX/XX/XXXX ) for {$600000.00} to my mortgage principle.

I received new statement this month just add {$3400.00} to principle account.

i called the company 2 times to resolve this problems but i did not get any action.

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 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.

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 2019-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I contacted Capital One Credit Card on XX/XX/XXXX as a preventative measure as I had fraud on another credit card this past month. I wanted to add an additional security question to my account. During the conversation with the agent, I found out inadvertantly that Capitol One had given access to an additional person in XXXX that I never gave permission to as this was an individual account. 

I told them to remove the name immediately. I called in later that evening to ask for additional information on how this situation originated. I wanted to know how the permission was given, what relationship was provided, contact info, etc. and when exactly in XXXX as this was a direct violation of my privacy and Capitol One was negligent. 

I knew they had this info documented and recorded but they told me it had been erased from their system. A fraud supervisor named XXXX told me to call on XX/XX/XXXX which I promptly did the next day. The woman I talked to XX/XX/XXXX indicated that she did not have the information on her screen but stated that if I reported it to the local PD and had a case file that I would be able to obtain the information which seemed absurd but I did contact our PD XX/XX/XXXX. When I called them again XX/XX/XXXX, they said I would need a subpeona which is ludicrous. The Capitol One woman was adamant. I believe it is because they made a mistake and they know it. 

I have a right to this information. It's my cc account and my privacy that has been completely violated for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The view in which borrowers view their account information at the payment screen is entirely misleading and deceptive. The screen, on a mobile device, reads as if the payment amount IS the payoff quote. Aside from being confusing, once you realize that it is not giving you a payoff quote and that it is a link, I have concerns that the mobile view is not ADA complaint. As a borrower with a XXXX  XXXX, I am at another disadvantage from this one oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is an addendum to complaint : XXXX I was told BBVA needed more information to dispute the charge on XX/XX/2019. They mailed a letter that day with the requested information. It arrived XX/XX/19 but I did not get it until XX/XX/19 due to the holidays. The due date for the materials was XX/XX/19, one day before the letter arrived. They closed my dispute because I did not provide supporting documents by the deadline.

Please see the letter, the envelope it came in, as well as USPS email informed delivery showing arrival on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had pay my debt down considerably over the 2 year period. Made all payment on time and paid more than the minimum payment. At the end of the year I notice my statement was back up to the maximum amount of my available credit, so I called to see what was going on, since I had not been to my XXXX, and this was the only thing this card was ever used for.I was told, there were two " promotions '' that expired and I was now being charged a deferred interest beginning from when I first signed up for this service? Mind you I was in the XXXX  chair, new nothing and was only told on the phone it was an interest free for 18 months program! Nothing was mentioned of the deferred interest as no one would play that game. This company is abusing consumers. Of course the person you get at the call center is just a person paid to answer the phone. They are very reluctant to even put you through to a human.

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 2019-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Capital One closed my credit card stating they received documentation from the credit reporting agency that the account was opened fraudulently. This account was opened in XX/XX/XXXX and I've never had not one problem regarding fraud/cap one until now. The fraud case was closed and now capital one has added a new card number and late payment history when I had no control over the process. The noble thing to do was to inform that the case was closed and payments will resume as scheduled but I never had access to my account while this was taking place. Fast forward to today and I am in the process of buying a home and the late payments are ruining my chances of getting this home for me and my family. I called each credit bureau and they removed the late payments until a few days ago they were added back. Please assist me regarding this matter is this even legal for to be treated/handled like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never had this account, i'm not responsible for this transactions. I never sign any documents with this company.

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 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In order to have a credit card from Capital One I made a security deposit of {$49.00}. On end of XX/XX/2019 I closed the account and according to Capital One I would receive my security deposit after 2 billing circles. So on begining of XXXX I was wondering where was my check and I called them on XX/XX/XXXX saying that I hadn't received the check and also I mentioned that I had move to a new address. They told me they would send a new check to my new address. On XX/XX/XXXX I contacted them again and I said that I hadn't received the check. They said they would issue a new check because the last one returned to them. I confirmed the new address with them and they had it right. I made a new contact on XX/XX/XXXX and I informed again that I hadn't received the check so they told me they would make a deposit direct to my banking account in untill 7 days. On XX/XX/XXXX I called them and I said I hadn't received any deposit on my banking account. They did not explain why the deposit wasn't made and they told me to wait more 10 days. I told them that I was tired of this and I would go after my rights in order to have money back. I made a complaint to Department of Banking and they returned on XX/XX/XXXX saying that forwarded my complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE 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