vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I'M LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW 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 INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have been double billed for my mortage insurance payment for the 2012. When brought to the attention of Wells fargo, my calls kept getting g dropped, the would not remove the extra MIP from my mortgage payment despite their error. I have asked them multiple times to correct my mortgage payment to reflect the MIP off which I was told last week it was buthe it is still there. I am unable to make any other payment than the mortgage payment with the MIP added. Ivery been paying the MIP in my mortgage payment and a separate payment every month has been taken fromantic my escrow account. The MIP is money that the mortgage company gains and dies not go towards me paying off my home loan. I believe this to be an act of Fraud by Wells Fargo Home Mortgage Company. I know they have been in the news many times for fraudulent activities yet I would have never thought this to happen to me and then to be treated with such unprofessionalism after the fact. To be honest I belive they know they been caught ad want to do damage control prior to addressing get my issue which brings me to believe that this is a scam and many unknowingly other home owner may be the victim of this financial fraud.

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 2019-08-13 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone Used my account and deposited checks in my account. I tried to contact Chase multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. Chase have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC
State: CA

Complaint narrative:
Today, XX/XX/2019 around XXXX PST I received a call from XXXX and the first thing I was asked for was my social security number. I asked what the purpose of the call was and was told that would be given once I told them the last 4 of my ss #. I told them I need to know who they work for, they wouldn't tell me. I told them I needed to know what the purpose of the call was again and they said I would need to give the last 4 of my ss # for them to tell me. Reluctantly, I gave them the last 4,  then they told me I owed money in delinquent taxes to the state of Mississippi. This is false. I have paid all of my taxes in MS and I haven't even worked in that state in over 3 years. They said they had been sending stuff to my previous address so I said mail it to my new address. Since I do not owe anything, I believe this to be a scam as they couldn't even tell me what company they worked for. It will be interesting to see what they end up sending me in the mail, as I do not owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been trying to get this resolved for almost a full year. I am fed up and keep getting the run around. What happened : I refinanced in XX/XX/2018. I did a FHA to FHA cashout refi. Which made it so I was due a MIP refund. The lender was Pacific Union which is now Mr Cooper who is servicing my loan. They didn't give me the MIP credit in any way. Usually it is given by lowering the new upfront by the amount that was showing due on my refinance authorization ( FHA Refi Authorization # XXXX ). Please help as it's a lot of money and per the FHA 4000, I was due this refund. Below are all the details, please note the last name differs due to a divorce. 
Old FHA Case # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX New Case # XXXX XXXX, XXXX XXXX authorization XXXX Unearned UFMIP : {$3800.00} I have been in contact with numerous people via email and phone calls. My attempts have been extensive. Therefore to list every person I have contacted and all those emails would make this many pages. My last contact was with XXXX XXXX at Mr. Cooper. The latest is FHA won't insure and they had to get FHA to refund me all the other costs and are having to service the loan themselves as a more of a conventional product. With all due respect ; I shouldn't pay for their error. This was due to me at closing in XX/XX/2018. When I closed as a FHA loan. This has caused financial hardship. It caused me to take out a short term hard money loan because I was told FHA would refund that MIP to me within a couple months of closing. Which obviously didn't happen. Therefore I am paying a ton of money in interest on the hard money loan I took out to cover the {$3800.00} I was supposed to be getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion has a web site failure for my acct. i want this to be fixed, also the data is way too old to be posted.i want this situation to be fixed.

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 2019-08-13 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: AL

Complaint narrative:
XXXX XXXX is reporting an account on my credit that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage loan was purchased and taken over by LoanCare , LLC I was making my full payments on time but would pay partial payments through bill pay services with my bank before the due date or 15 day grace period. 

I made a payment by bill pay {$320.00} that cleared my bank account XX/XX/XXXX for due date XXXX I made a payment by bill pay {$1200.00} that cleared my bank account XX/XX/XXXX for due date XXXX {$320.00} + {$1200.00} = {$1500.00}, total due was {$1500.00} on XXXX I made a payment by bill pay {$670.00} that cleared my bank account XX/XX/XXXX for due date XXXX I was planning to make the rest of my payment on pay day XXXX before 15 day grace period which would have been XX/XX/XXXX. 

I received a letter that stated that I had missed payments so I called on XX/XX/XXXX, I was informed that they don't accept the partial payments, only in full payments. They were willing to help me out and reverse all the payments that I made that applied to principal and apply them to my monthly payments. They agreed to reverse all 3 of the above payments that I made. I was told they were all set up and would take 7-10 business days. 

I called again on XXXX to make sure the final amount owed for XXXX was correctly applied to my XXXX payment rather than my bill pay services through my bank. I paid {$850.00} on XXXX for a total payment of {$1500.00} for my XXXX payment due XX/XX/XXXX with grace period. Amount due total for the month was {$1500.00}. I also went over the reversed payments and all the dates and amounts again and was told everything was still in the process or completed. 

I received another notification that I was still missing a payment and was in 30 days of default and may lose my home to foreclosure. 

I called again XXXX they informed me I was still missing {$320.00} towards my payments and that they would set up the {$320.00} again for reversal from principal to apply to payment. 

In the mean time they reported to the Credit Bureau that I did not make my mortgage payment and it dropped my credit score by almost 120 points. I made every step to correct this back in XXXX and there should have been no reason why they should have reported it to the Credit Bureau. They assured me several times that all payments were going to be reversed and correctly applied to my payments and that there would be no late payment and my account would be in good 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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Our lender is unable to pull our Equifax report. They are expecting us to pay {$16.00} to activate our credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: U.S. BANCORP
State: AL

Complaint narrative:
Us bank is reporting an account on my file that is not mines

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
They have contacted me several times over the same debt that they have sold to various companies. I asked them to stop calling me on my cell phone and they have called my work also even after i told them to stop. This company has reported the same debt on my credit report 2 times for the same bill and will not remove them. 
Company : Debt Recovery Solutions Amount : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
I tried to make payment arrangements with the original creditor and they refused payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: DISCOVER BANK
State: NV

Complaint narrative:
REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX. 

They applied all the payments i made from XXXX XXXX towards 100 % interest. 

They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that. 

I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest. 

They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest. 

When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim. 

They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX. 

It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}. 

In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %. 

Again, I am asking for a breakdown which your call center could not provide. 
I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers costing me $ XXXX/Nonsufficientfund requests that I had made totaling {$270.00}. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Someone Used my account and deposited checks in my account. I tried to contact XXXX multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. XXXX have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is 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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I logged onto my online Santander account for my car and saw that they charged me a " miscellaneous '' fee of {$87.00} on XX/XX/XXXX with no explanation. This amount was deducted from the total monthly payment I made that day. As a result, this is very difficult to dispute with my bank because they did not take the fee until after they had the whole payment in their possession. I called their customer service number and they said that fee is from me " extending '' the loan " for one month '' back in 2017. The person who I talked to on the phone said she had no idea why I was charged this amount now and also said I would be charged this {$87.00} THREE more times and she did not know when I would be charged. 

I demanded to see the paperwork that I signed in 2017 and she said Santander is unable to provide it because of my electronic signature. She said I would have to look at the email that they sent me two years ago. I looked at the email but the link in the email no longer works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
I've had an issue with all 3 major credit agencies. Equifax, XXXX and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. Equifax screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: KY

Complaint narrative:
I have spoken with Navient about the school closing so i wasn't able to finish my degree and i was not paying the loan if i was unable to finish to classes. They refused to send me paper work after asking numerous times. The final attempt was 3 months ago they told me i only had 100 days to fill out the closed school form which i was asking for for over 3 months. 
If i need to turn this over to an attorney and file a lawsuit against them then that is what i am going to do in less than 30 days unless this is resolved. This mark on my credit has kept me from buying a house. Why should i pay for a loan that i wasn't able to complete the degree and credits was non transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I received a letter from XXXX XXXX  dated XX/XX/2019, that my mortgage loan was being sold to NewRez ( Shellpoint ). I made my XXXX payment to the original mortgage company. By the end of XXXX, I had not received any information from NewRez. I called the number on the XXXX  XXXX letter and was told that I should receive the packet next week, and to not worry about the payment because it was a new loan transfer. I received the packet from New Rez on XX/XX/2019. The letter was dated XX/XX/2019. It was late Saturday, so I planned on mailing the payment on Monday, XX/XX/2019, which I did. On XX/XX/2019, I began received calls from Shellpoint, stating that this was attempt to collect a debt. They called again today XX/XX/2019. I have left three messages for Supervisor XXXX XXXX, but have not received a call back. 

The company didn't even get the information out to me before the first of the month, yet they have collection agents calling and harassing people who aren't even technically late. I want to pay with a check so I have a receipt ; and in addition after reading the complaints on the XXXX website, I don't want to pay them over the telephone. What a way to welcome new customers. 

There are many complaints with the XXXX  XXXX XXXX about this company and something has to be done about this level of harassment being unduly placed on consumers.

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