vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 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: NJ

Complaint narrative:
To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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: NJ

Complaint narrative:
To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND XXXX XXXX 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 2019-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2019, I mailed the attached documents to Equifax Information Services, LLC. and asked that they provide an original, signed contract from XXXX  XXXX   car company. If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). The returned my investigation results as the account being verified without providing me the original, signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I was admitted to the emergency room at a hospital. I had insurance at the time and showed my card when arriving.I was treated by a doctor there and stayed overnight for observation the next day. I stayed in the ER and not in a hospital room. I was released the next day with prescriptions. 
A few weeks later I received a bill for {$150.00}, {$250.00}, and {$1400.00} twice. All from this dr visit. 
I was never asked or told that this dr was an out of network dr before he handled my er visit. 
I feel I was forced into this bill and I have disputed the charge a few times of this. They say I signed the form consenting the dr XXXX so I will pay. 
If I knew all this before, I would have asked for an in my network doctor. They never said anything of this. I feel this was entrapment for the service. 
I will not pay this, due to this business of this hospital practices. 
The services were given many years ago, and they keep renewing this on my credit report. Even the {$1400.00} shows twice as I stated above. 
I am requesting that these charges be removed from report. 
I have called the commonwealth, they were very rude and will not even look into the matter. 
I am requesting your assistance in this matter to have these medical items removed from the report. They are showing up on report when an employer pulled report. 

XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
MoneyLion offers a credit builder loan of {$500.00} in which you make small weekly payments on to improve your payment history on your credit report. After doing this for a few months I switched bank accounts and attempted to switch the account on my moneylion account to the new one. I was unable to do this and repeatedly tried to contact moneylion so that I could fix it. After multiple emails and phone calls I gave up. Moneylion then reported me as past due and my credit score dropped nearly 200 points. I am still attempting to contact them and still am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during. 
A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX???? 

-Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change. 
-Payment of XXXX where was monies applied too? 
-Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I opened an escrow free Mortgage with XXXX XXXX XXXX in XX/XX/2017. I paid taxes and insurance myself. 
Six months later, XXXX sold my loan to Flagstar. Flagstar bank opened an escrow account without my consent. They claim I have a shortage, but I'm paying my taxes and insurance. Only thing I should be paying is principle and interest. I paid the escrow fees, while continuing to pay my taxes and insurance for six months. This last month, Flagstar increased the escrow fees 300 %. I have not missed an insurance payment and am current on my taxes. Since Flagstar increased the escrow fees, I have stopped paying escrow because I don't earn enough money. I have asked repeatedly for Flagstar to remove escrow from my account and refund me the money they have collected. They refuse.

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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I originally contacted this company because I was confused about the nature of the bill. Soon I discovered that my insurance company through my employer had not paid my ER visit to the hospital. Also I want to add that the hospital never mentioned that I was outside of network.it took nearly two years for me to discover that I had not been covered because I XXXX  XXXX in XXXX.Upon my XXXX  I contacted this collection agency, I had no idea what this was about. The man on the phone was very rude and unprofessional he treated me like a XXXX  also stated that this account will never be removed and that it would remain damaging my credit and that if I didnt pay this that it would continue to increase and that there is nothing I can do but give full payment and that it would still not be removed from my credit.It has really impacted my ability to XXXX  myself since I cant even find a place to live since this account continues to increase in cost that I can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had this Capital One credit card for at least 15 years with no particular problems. Last month I received a notice that my account was past due. It said that I had to pay {$820.00} immediately to restore credit. I paid {$850.00} and requested a history of the account. All of my credit cards including Capital One have instructions to pay the minimum amount in the event that I don't pay the full balance. My wife and I have 6 or 7 different cards including another Capital One account. We have written all of them with instructions to pay the minimum on the due date. We travel a lot and wish to prevent the high fees and high rates charged by companies like Capital One. We are currently being charged fees of $ XXXX/mo on card ending in XXXX and 31 % interest. Obviously, anyone would choose to avoid extortionate fees like this, and when I received notification from Capital One I responded promptly with payment. Over our long history with Capital One we have had instances of not receiving statements, sometimes one or maybe two in year, but not 2 or 3 in a row as we experienced last summer. Our other card ending in XXXX is charged a more normal rate of 18 % interest. Capital One has a long history with me and my wife. Why is one card afflicted with usurious rates and the other treated like a normal credit card? I have written to Capital One requesting reasons for this, but as yet have received no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: STATE FARM BANK, FSB
State: KY

Complaint narrative:
I received an e-mail on XX/XX/2019 from my state farm agent who informed me the roadside assistance was being removed at my renewal. I used the roadside assistance 7 times in the last 3 years and because the average household uses it once every 3 years it is being removed. I was informed by this e-mail there is nothing that can be done to reverse the underwriting decision. I then received this information by mail dated XX/XX/2019. Both documents included the dates of my roadside claims. I was informed by my state farm agent that because the coverage is very inexpensive it would only save about {$1.00} a month with it being removed. The state farm agent did pend the records to check back in a years time to see if it can be added back on. I enjoy and rely on the roadside assistance and having it removed without a second option such as adding on a frequent use roadside assistance program is upsetting as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
This is an unbelievable story and its why as a consumer, it is paramount you have all the conditions of a loan and/or lease at time of signing the documents. To make a long story shorter when getting a lease car at XXXX XXXX XXXX XXXX, I was told to just get the lease started and then if I can find someone to co-sign at any point the lease terms would be much better because I had been the victim of identity theft and I'm still struggling to repair my credit score. Turns out that was a total lie by the salesman and also the manager XXXX. 

They were both lying and drove off in a car I couldn't afford because I thought I was going to be able to have my XXXX co sign the next day, which would have changed the monthly payments from {$430.00} to {$250.00}. I had been to the dealer 4 times that week and I was tired and foolishly I believed them. 

To make matters worse I had to leave my job because I was diagnosed with XXXX  and had to start XXXX treatment at XXXX XXXX XXXX immediately. This really put me in a jam because going into this mess I was repairing my credit from identity theft and am up to date on my car lease now. Even though I made the lease agreement under false pretense 's I received a grant from a local XXXX foundation, and have paid my lease up to date. 

Unfortunately, I have called GM probably 50 times, they wont change the terms of my lease, and they wont update my credit report to say I paid in full. Please help me, I need my credit to reflect the truth which is that I am on time. Please help ASAP, I am going for an apartment in a special XXXX center and they will run my credit and it needs to be perfect. Thank you and XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I requested validation of debts and collections have not received a response

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 2019-11-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently complained about Wells Fargo and a credit issue and although I disagreed with the company response in Case No. XXXX, nothing has been followed up on yet the company completely ignored the issues causing my concerns. 
Wells Fargo DID NOT address my concerns yet merely did the same thing they always have done which is ignore my complaints and refuse to explain issues I pointed out. 
Please reopen this complaint. They went through my personal bank account and went through all my checking statements, which I find very troubling as XXXX should only be able to look at my payments and statement from XXXX. XXXX Wells Fargo should not allow the review my personal purchases that have nothing to do with XXXX  payments. I advised in my complaint that payments made to Wells Fargo XXXX were withdrawn from my account 'immediately ', yet on the statements they have dates that do not align with when the payments were made. Example, make a payment via the Wells Fargo app, the money is taken out of my bank account IMMEDIATELY ( say a Thursday ). However, Wells Fargo would sometimes post these payments 3 & 4 days later ( not till Wednesday or Thursday ), making it appear the payments were later than they were. To be clear, when I made a payment to XXXX  money came out of my checking account right then!!!!! Reviewing my statement does NOTHING if you do not review the faulty payment system. My complaint pointed out that their payment system was not accurately reflecting payment posting dates and reviewing the statements has nothing to due with Wells Fargos faulty payment processing I complained about in my original complaint. In addition, Wells Fargo has incorrectly calculated the 28 days in XXXX. Combined with the delay in posting my payments due to the payment error on Wells Fargos side, Wells Fargo needs to remove the late payments and fix my credit report. I was also not late in XXXX & XXXX of 2019 yet WELLS FARGO refused to address that in my complaint too. Even if I was late 2x in one year per their misleading account statement ( XXXX & XXXX ), I WAS NOT LATE FOUR TIMES!!!! PLEASE GET THIS RESOLVED AND DO NOT LET WELLS FARGO PULL THE WOOL OVER YOUR EYES AGAIN!!

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 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The car I purchased in XX/XX/XXXX2015 was forfeited by the City of XXXX after XX/XX/XXXX2019. The car was stolen and due to the condition of the vehicle reported as missing, vandalized, and damaged due to theft. 

The problem occurred once the vehicles tires were XXXX caused by an obstruction on the road. I have reported this to my insurance company and to other entities. Regardless of the policy, my car has full coverage. I dont regard NC State regulations in Maryland but I do understand my liability since I am no longer a resident in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Trying to collect collection and credit card debts I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX, dob XX/XX/XXXX was told that she had to take a loan to pay back " taxes '' that she owed. My brother coerced my mother to take out this own because she owed " taxes. '' My mother states she did not go anywhere to get a " mortgage '' on her home. States she did not even know she had a mortgage until her daughter got involved because my brother was evicted from her home on XX/XX/XXXX. After reviewing her " mortgage '' documentation, the information was faxed to my mother and she signed it. Not knowing what the document entailed. She thought that she was done paying the " taxes '' a couple of months ago and is now aware that she has a 20 year mortgage. 

XXXX XXXX had been Power of Attorney which was revoked on XXXX XXXX, 2019 New POA : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: MD

Complaint narrative:
Despite calling and opting out to XXXX XXXX XXXX XXXX twice in the last six months, I still continue to get prescreened credit offers in the mail from the Lending Club and XXXX XXXX Two to three a week. I have called both and the offers continue. 

Please help me to get these stopped.

Company response to consumer: Closed with explanation