vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an XXXX XXXX FL account where i made a $ XXXX monthly payment I recently have been going through financial hardships and have been late on making on a few payments. I paid off what i owed every penny of it on XXXX XXXX 2017 but they have yet to close my account nor have they took off the missed payments and everything off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Student Loan Finance Corporation
State: CO

Complaint narrative:
XXXX, XXXX a private student loan company that i had a student loan through formerly called XXXX now goes by the name XXXX reunion student loan finance company put my account in default status a couple years ago. WHich should not have gone into default when i was making the payments. CFPB got the collection fee off of my account for me. 
The school i orginally took out the loan for is called XXXX XXXX which has gone bankrupt and no longer exists. After the default status which they should not have been able to legally do at that time. i then stopped making payments on account and the XXXX has turned the past due debt over to there attorney saying that if payment arrangements are not made there will be legal action taken against me with a potential law suit. 
They are claiming an amount past due of approximately {$5100.00} There attorney i received a letter from is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
This is XXXX XXXX water aka XXXX XXXX. I had been renting a water machine for 17 years and purchase it. I do not know what happen internally but they said I still old XXXX for the machine. paid off later attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.

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 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: OR

Complaint narrative:
I have received a letter from a collection agency regarding my XXXX XXXX XXXX contract from XXXX. They want {$740.00} for remainder of the security contract. I have sold my home in XXXX XXXX and moved to XXXX XXXX XXXX in XXXX, OR. At the time of my move I notified XXXX that I would not need the security service here and to cancel my contract. I am XXXX XXXX XXXX, in declining health due to 2 recent XXXX surgeries. I am not a wealthy person and need what little money I have to take care of my rent, health issues, and obligations in my XXXX location. I have written several letters to them and their answer is that I signed the contract and I owe them. Am I to pay them for services that I can not use?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: TN

Complaint narrative:
I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.

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 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Army and Air Force Exchange Service
State: AE

Complaint narrative:
I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.

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 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The debt was disputed and removed from my report the debt was then sold to another company and the debt was re-aged. The original debt is over 7 years old and should be 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 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Louis M. Turchiarelli Attorney at Law
State: GA

Complaint narrative:
This was an unsourced line of credit and the business closed over 14 years ago and I was a guarantee. XXXX has been and still is billing me when the business is going out of business. they went after me the first 7 years to try and only after selling the loan to a collections XXXX XXXX XXXX  XXXX. They in returned garnished my wages while XXXX whom had sold the loan and I sign an agreement to try and repay then attorneys from and was unable to meet the obligations, Both XXXX and the Collections company was hindering me. I refinance my mortgage in XX/XX/2010 and was made to remove the XXXX that was put against me only to have the same attorneys office file another banishment and XXXX on me personally. This has been going on for 17years and I am going to Sue

Company response to consumer: Untimely response
Consumer complaint received 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX : XXXX/XXXX/2017 On the date above, I submitted a loan request for the amount of {$500.00} because I was in a desperate need to pay some bills. It provided relief for that week only and after that I have been in a constant struggle trying to pay the loan back. With an APR of 700.01 %, it 's like I 'm never going to pay the loan back. In the end, I will have paid back {$2700.00} over a {$500.00} loan. I have called a couple of times to skip a payment but all that does is put the payment on the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: OH

Complaint narrative:
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.

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 2017-12-17 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX Reported an account in tantamount of XXXX.to all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. Thry have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.

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 2017-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I HAVE REQUESTED INFORMATION ON THIS ACCOUNT SEVERAL TIMES, ASKING THEM FOR THE METHOD OF HOW THIS ACCOUNT WAS OPENED AND ALSO THE ORIGINAL SIGNATURE ON THIS ACCTOUNT. THEY REFUSED TO SEND ME ANYTHING KEEPING ADVISING THAT THE ACCOUNT IS SOLD TO ANOTHER LENDER. SO WHY IS IT STILL BEING REPORTED TO THE CREDIT BUREAU BY THE COMPANY AS LATE.NO VALIDATION AT ALL SENT TO ME LIKE REQUESTED SEVERAL TIMES..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance

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