vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-21 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-09-21 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
you can not pay this loan off early to avoid extra charges. on XX/XX/19 I tried to pay mu balance of {$340.00}, it will not let me. the only payment option day is XX/XX/19 with added fees bringing the balance to {$470.00}. this is making me pay an extra {$120.00} in fees this should not be legal that they can only accept payment on their terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
In XX/XX/2019 I made a mortgage payment to XXXX XXXX Loans. I did not realize that XXXX XXXX Loans was the new servicer. XXXX XXXX Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on temporary duty assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: MA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Navient placed my student loans into forbearance without my knowledge or consent. Moreover, on XX/XX/XXXX, I contacted them and requested my loans be taken out of forbearance but was told they were unable to do so. As a result, I have been prevented from earning credit for on-time payments towards both PSLF and general discharge, as well as preventing me from receiving the reduced interest rate available to individuals who use auto-pay. Given the recent unsealing of Navient 's internal memo which directs staff that " Our battle cry remains forbear them, forbear them '' I feel that this is done intentionally to defraud consumers and increase profits. Moreover, Navient fails to disclose to borrowers that their loan balance may be forgiven after a set amount of qualifying monthly payments, but forbearance prevents them from making those monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Rentals, Inc.
State: VA

Complaint narrative:
On or around XX/XX/XXXX, Acceptance now at XXXX XXXX in XXXX XXXX Va was advised via a phone call that payment would be made on XX/XX/XXXX. They proceeded to make two phone calls on XX/XX/XXXX and left two voice mails on my cell phone. One at XXXX and another at XXXX. In the 2nd message the man stated " calling in reference to my commitment to make a payment today still need to get that payment in today call us back at XXXX ''. Never stated his name and made reference to a debt owed on my voice mail. When I called back and requested to speak with the man who had just left the message on my phone, I was not given his name as he would not give it to me, only kept saying what can he do for me. I advised him I told them the payment would be paid on this date and they have called me twice and left two messages on my voice mail. The day is not over yet and the payment has been made. He never apologized for the multiple messages or his disgusting attitude towards a customer. I would never recommend anyone to do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
While I was in XXXX XXXX in Virginia from ( XX/XX/XXXX XXXX XXXX 2019 ) for the Florida XXXX XXXX . Some unknown company deposited a check for XXXX dollars into my account some unknown person then withdrew XXXX from my account. I got a call from USAA that my account was under review and i did not know why. I called them back to get more information on the matter and that's when I found out the above information. Apparently the XXXX fraudulent checked bounced leaving me out XXXX dollar plus bounced check chargers. I told USAA this was not my debt or no one I knew was involved in this transaction. This is fraud and theft of my account. On XX/XX/2019 USAA is trying to collect XXXX from me they told me i had 60 - 75 days to pay the debt, then on XXXX XXXX they kept calling me to pay the debt immediately. THIS NOT MY DEBT. THIS IS THEFT/ FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I am in refinancing my 1st loan and 2nd mortgage company ( Ditech my loan # is XXXX ) is not cooperating. 
We have requested letter of subordination in month of XX/XX/2019 and they were not cooperating we waited for the month of XXXX with no results. So I paid off the loan on XX/XX/2019. I requested paid off letter from Ditech, they said me on XX/XX/XXXX I will have it in 7 to 10 business  days. I did not received a letter, so I called on end of the XXXX business days they said letter was not generated, it will generate in next 24 to 48 hours and we will email me one copy and hard copy will arrive in mail by XXXX But if they have not generated the letter how I am going to received it by XXXX XX/XX/2019? 
Because they are not cooperating I have to pay more interest ( {$1200.00} per month ) for two months and end is not in site. I have to pay another {$1200.00} in interest for next month. 
Please do some something and expedite the process. 
Thank you. 
XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 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: VA

Complaint narrative:
I have filed two complaints with TransUnion - XXXX and XXXX. Initially this issue was corrected but then reverted back and TransUnion has provided an unsatisfactory explanation. All payments to XXXX XXXX were made on time. They have made a mistake and TransUnion is obliged to remove the late payment and ask XXXX XXXX for evidence of the late payment. My evidence of all payments are attached.

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 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry recovery debt collections were told three times that the debt added to my account was not owed by me. I also told them not to contact me at work or personal cell. The company that reported the debt also sent a letter to sentry and told them I was not liable for deby yet they still reported debt to all credit bureaus.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
opened checking account XX/XX/XXXX XXXX they had promotion where you would receive {$400.00} if you made 3 direct deposits over 90 days of {$3000.00} or more. I did all those things, and i never received the bonus. the explanation over message center was that i did not make 3 deposits. I recontacted them and showed my statement showing i did make 3. they then elevated the issue and a lady called and told me i didn't receive the bonus because i got another bonus more than 13 months ago. I explained that was within their posted terms which say you can not earn a bonus within 12 months, and i earned one over a year ago. she then told me she would look into it. she called back and said i opened the account within 12 months of receiving the bonus and that was why i did not get a bonus this year. what she said is not what is posted in their terms and conditions. they are not paying out and are wrong for that.

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 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I contacted the original creditor and let them know that this account did not belong to me. They notified me that this account was sold to Portfolio Recovery associates LLC. THIS ACCOUNT DOES NOT BELONG TO ME! Please investigate this matter and remove this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello I am the latest victim of online money scam. Someone deceived and was able to get me to transfer {$1500.00} to him through XXXX on XX/XX/XXXX. I used Chase Quicky Pay With XXXX features from Chase Bank to transfer {$1500.00} to that person. 

Upon realising next day that person was fraud, I reached out to Chase bank XXXX XX/XX/XXXX to explain my problems but they did not bothered to help me on this. Per them anyone transferring money through Chase QuickPay is not protected by bank and i should be reaching out to XXXX. There is no customer support from XXXX for this kind of issues and i should be reaching out to my bank rather. I again reached out to bank on XXXX XXXX but of no help. 
I have also registered a complaint to with local county police about this fraud but not sure how much they would be of help to me. 
I believe as this feature is integrated with online banking, so bank must help customer and be liable to protect the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
Starting on 4 / 1/ 2019 and every month since. I have notice that my MR. COOPER. Mortgage Billing Statement is higher than my normal payment. My statement says that my " Regular Monthly payment '' should be {$870.00} but the bill continues to be sent as {$920.00}. 32.  A difference of {$49.00} Which is the amount of my home warrarnty. After calling them every month they continue to tell me that my warranty was misapplied and they will fix it. Currently they still have not corrected this billing error. My current bill say XXXX. I HAVE ALWAY SENT A PAYMENT OF {$870.00}. That is more than the requested payment of {$870.00}. So there is NO shortage or missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Confirmation # XXXX To whom this may concern, I recently received your intimidating response letter regarding this recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX Equifax Information Services, LLC et al, XXXX Vs XXXX, and XXXX  Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Equifax Information Services, LLC et al, just can't use the XXXX System because its not considered reasonable. Equifax Information Services, LLC et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA if this matter isn't handled amicably in ( 15 days XXXX. 

And send me another credit report. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OH

Complaint narrative:
I was apart of the XXXX breach. 

I asked to be removed from the LexisNexis database. ( I was an employee for XXXX years before my job was moved offshore ) and aware of the the type of personal information they have on file. 

I've requested removal - as well as attaching the XXXX email stating this fact. 

They are now requesting further information. It seems they are making this as difficult as possible. During the XXXX debacle ( which I took abusive calls for ) the only thing they needed to do is request removal. 

I request assistance in removal of ALL personal information from their databases - which may or may not be accessible to offshore sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
XXXX XXXX DIVERSIFIED CONSULTANTS , inc amount {$620.00} this is not our legal debt?? 
this belongs too our son and daughter in laws apparntly, my wife signed via usps for package too go on internet school this laptop was never returned to XXXX XXXX no was child ever enrolled in the internet school!!!! 
DIVERSIFIED CONSULTANTS , INC DEBT # XXXX XXXX XXXX XXXX, TX,XXXX XXXX WE TRIED TO TALK ABOUT THIS TOO THERE CUSTOMER SERVICE THEY WOULD NOT LISTEN TOO LOGIC??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About 6 months ago, I was charged a fee for depositing money and Chase claimed the check couldnt be found and that wasnt true. Sometime in XXXX, XXXX charged me XXXX dallors and I explained to chase it was unauthorized till this day I dont know if my money was returned to me. Today, XXXX drafted money through debit from my account when I was insufficient and Chase allowed the company to debit funds when I had none available. I disputed the incidents only to have them close my account. I'm sick of them mysteriously allowing companies to take from my account when my funds are low. I believe they are in partnership to take from people when they are insufficient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have called and faxed to TransUnion explaining that I am a victim of Identity theft but they continue to report these accounts after receiving proof that these accounts do not belong to me. I have faxed my ID, social security card, police report & identity theft report for these things listed on my report. I want these items deleted from my report for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX XXXX. I have told you that I never lived at two addresses that I asked to be removed and it not on my drivers license nor have I lived there ever XXXX XXXX XXXX & 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 2019-09-21 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: AZ

Complaint narrative:
I declared bankrupcy recently, and have just begun to begin to repay my student loans. After hours on the phone with multiple documents, I was finally sent an email from Navient, dated XX/XX/XXXX stating : " XXXX, we've approved your request for an Income-Based Repayment plan. 

Now that you're approved for an Income-Based Repayment ( IBR ) plan, here 's a quick overview of what you can expect next. 

Plan overview Your Monthly Payment Amount : {$56.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX ''. 

Upon opening my email today ( XX/XX/XXXX ) I received a new statement, stating : XXXX, here 's a snapshot of your monthly statement. 
Total payment due : {$280.00} Due date : XX/XX/XXXX I feel abused as a consumer, and emotionally drained from trying to deal with this company. Please, please help ... my income has not changed in years. 

Most kindly, XXXX Account # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
I was alerted by SunTrust Mortgage - during the time the ex-wife was applying for a mortgage modification that their was what appeared to be forged signature. 

Apparently a fraud investigation was opened up - but I did not hear a word about it. When going back to the VP of security - I'm now being told that I need too call back and " re-open '' this. 

It feels as through SunTrust does not take fraud very seriously.

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 2019-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls me multiple times a day, every day, for the past 3 years. Always calls from a different number. I have blocked at least 20 numbers they have called me from and they continue to call every single day from a different phone number.

Company response to consumer: Closed with explanation