vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts. 

XXXX XXXX XXXX Westlake Service Inc XXXX XXXX Unauthorized written consent to request my credit file from XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I dispute it with XXXX  and my credit was corrected but I didn't see changes to my XXXX XXXX or XXXX  XXXX to XXXX of 2014 I called fedloans to get my payment in to forbearance because I couldn't make payment they said their gon na change the status but 5 years later I find out that they put me on late payments I want them to take responsibility and change the status on my fedloans accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: CO

Complaint narrative:
I have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on it.

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 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a scheduled sale date on my home for XX/XX/2019. I was under impression that I was getting help from Ocwen Loan Servicing, and then I received a transfer notice from Ocwen that I was being transferred as XX/XX/XXXX, XXXX before the transfer Ocwen had already given me the amount of {$2400.00} as my payments. I was waiting for the actual trial agreement to send the payments. 

I have been waiting to hear from Ocwen, then the transfer took place and now I have a sale date of XX/XX/XXXX, XXXX never received an correspondence from PHH.

I received nothing from PHH continuing where Ocwen left off. The only information I received was Mortgage Account Record, FDCPA Validation of Debt. 

I never received the welcome letter offering to help me save my home in any way. 
I did not receive the Sale Date information, I found out from a company offering to stop the foreclosure sale for me. 

The transfer took place XX/XX/2019 and every time I called concerning my account they told me the loan was not in the system yet. That was XX/XX/2019. I was not given any information of options to save my home. 

I feel that I have been treated very unfairly and did in fact experience discrimination in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MD

Complaint narrative:
I had NO say in the loan that my school got for me for the XXXX   exam. It was a {$15000.00} loan and NOW after making years and years of payments, my loan is {$18000.00}!!!!!!!!!!!!!! 

They don't apply money to my principal, rather they keep applying it to interest. I will NEVER be able to pay this loan off at this rate. I have already paid {$15000.00} in interest alone. 

So basically I paid the entire amount of my loan in interest and I now owe a whole new {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NY

Complaint narrative:
I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX XXXX XXXX -opened XXXX XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XX/XX/XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 
I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!

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 2019-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I am XXXX, over XXXX years old, and I live of $ XXXX/month in  XXXX income. On XX/XX/2019 I acquired a {$500.00} title loan. At the time of signing the loan, I was unaware, that my vehicle was used as a collateral for the loan. I was told by Speedycash Customer Service, that Speedycash would never repossess vehicles, because that " was not worth it ''. 
Due to increased medical expenses due to my XXXX I felt behind with my payments. I contacted Speedycash Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX  in their area, also without success. 
I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me. 
However, I did make several payments in the beginning of the loan term, but Speedycash did not deduct them from the overall loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NY

Complaint narrative:
I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX  XXXX  opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XX/XX/XXXX Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: NY

Complaint narrative:
I have these accounts on my credit report that doesn't belong to me. I have no knowledge of these accounts nor have I given anyone access to any of my personal information to obtain credit. These are being reporting to my credit report and don't belong to me. 


1 ) XXXX XXXX XXXX  XXXX  XXXX  -opened XX/XX/XXXX amount {$300.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$970.00} 3 ) XXXX  XXXX opened XX/XX/XXXX amount {$340.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$0.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$4000.00} 6 ) XXXX XXXX opened XX/XX/XXXX amount {$25000.00} 7 ) XXXX XXXX XXXX  Opened XX/XX/XXXX amount {$26000.00} 8 ) XXXX XXXX XXXX   Opened XX/XX/XXXX amount {$26000.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately!

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 2019-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I submitted complaint number XXXX with the CFPB. When I contacted the bank they told me that they do not have any of my information on file but they have informed the CFPB that they need my authorization to proceed.

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 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NC

Complaint narrative:
Client Services is reporting negative information on my credit reports. They claim I owe {$1300.00}. I have asked for validation bearing my signature and they have failed to provide this information numerous times. This is the collection company that XXXX XXXX sold the account to. 

I also noticed that Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is violating North Carolina state licensing requirements. ( I've attached a copy showing that their license was surrendered. I am asking for this account to be removed from my credit files immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I have hard inquires on my report I did not recognize First is from XXXX XXXX Ohio made XX/XX/XXXX. I didnt make this inquire Ive research the company and did not use there service. 

The next is : XXXX XXXX XXXX XXXX Delaware XXXX from XX/XX/XXXX The next is from XXXX/ XXXX XXXX XXXX Florida 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 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
After being in default for several years, DUE TO THE FACT THAT BANK WAS INSISTING THAT I PAY FRAUDULENT CHARGES, I had no choice but to reinstate my loan in order to save my home. 

However, the reinstatement quote included unsubstantiated and undocumented legal and other fees, and I suspect escrow inaccuracies. 

I have documentation ( attached ) to prove previous fraudulent billing for legal expenses and fees that were not incurred, however when I request the servicer to provide substantiation of amounts they are trying to bill me, they try to hide behind " attorney-client privilege '', which should not apply if I am the one being asked to pay for it, especially since I have evidence of fraudulent billing from the beginning of the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
In XXXX of XXXX, our home was broken into while we were away and numerous items were taken including our checkbook. On XX/XX/XXXX, a check was written from our checkbook to XXXX XXXX for {$500.00}. ( Interesting how the thief waited 4 months to use one of our checks. ) XXXX XXXX accepted the check even though we had closed the account within 24 hours after the robbery in XXXX. XXXX XXXX XXXX apparently " purchased '' bad debts from XXXX XXXX and then hired Trident Asset Management, LLC to  collect the balance due of {$520.00} which included a {$25.00} returned check fee. For the last 4 1/2 years, we have gotten phone calls and letters from Trident Asset Management to collect this debt. It has affected my credit report. Finally, after being worn down by Trident and desiring my credit report to be corrected, I go to their website after receiving a letter that they would settle for {$260.00}. Getting tired of their nonsense and wanting it off my credit report, I follow the instructions in the letter and go to their website. I click " Make a Payment ''. I enter the Trident Account # as indicated on the letter. I enter the last 4 digits of my SS #. I get a message " Account Not Found ''. What a joke this company must be. Not only do I not trust them, but I now intend to go whatever lengths it takes to get justice in this matter other than paying them a dime just to get it off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have CITI credit card. The statement due on XXXX XXXX had a balance due of {$54.00}. 23 days prior to the due date I returned an item and received a credit for {$35.00}. 
that would leave a balance due of {$18.00}, which I paid in full on XXXX XXXX. 
The problem is the the computer showed a " MINIMUM PAYMENT DUE '' of {$25.00}. That is more than I owed. 
So, they started with the pre-recorded messages about this " UNDER PAYMENT '' problem. 
I responded and spoke to several support level people. One of whom was the Arizona call center manager. When I asked why I was being asked to pay more than I owed?, the response was robotically repeated, over and over ... ... '' You didn't pay the minimum payment due. " ... ..for each person I spoke with ... .the SAME!!! 
Now they are sending the opening message again and again ... .again. 
I would like to settle this, if I could only speak with someone who could at least entertain the possibility that the {$25.00} figure could even possibly, maybe be WRONG. 
CITI is still asking for the {$6.00} to meet the " MINIMUM '' and they are tacking on more FEES. 
HELP!

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 2019-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Much like the majority of complainant 's filing their concerns against Charles Schwab bank ; via XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Trade Commission, XXXX, Securities and Exchange Commission and The Office of the Comptroller of the Currency, Charles Schwab has not only frozen my cash, but they refuse to send my money back to me. Charles Schwab defrauds its customers, just like the front page of the XXXX XXXX XXXX  warns. Government action continues to be taken against Charles Schwab, due to their constant deception towards the very customers they supposedly service. My account number is XXXX. For anyone at the XXXX, you can verify the account with the routing number, and you'll see the funds there for yourself. Charles Schwab will be sure to remove any fees they have added to my account without my knowledge. The fraudulent organization known as Charles Schwab locked me out of the online access portal, so they can continue to charge me fees and retain MY cash fraudulently. Also, Schwab is embezzleing funds in my account issued by the government for veterans XXXX benefits. It is illegal for Schwab to not only embezzle money from consumers, but defraud the federal government and embezzle funds intended for XXXX veterans. I served in XXXX after XX/XX/2001 and this is how I am repaid as a XXXX veteran. Schwab is an economic XXXX and needs to discontinue embezzling the life savings of its customers. 

Incoming routing # XXXX Outgoing routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I disputed the following inquires with Equifax and within a few days their response was that everything was confirmed. You would think with their Breach that they would be more vigilant regarding accurate reporting of the inquires. They already have a black-eye because I was one of the people who's information was leaked. 
So not only did they not do a proper inquiry into my issues, they did made me feel as if it was my fault that 10+inquries some from the same company would be on my report dropping the score. 
XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/game Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Bank XXXX XXXX from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX Inquiry from XX/XX/XXXX Half of these I don't recognize and some of them have repeats ... .how could you not investigate these issues given the fact that they are not accurate and they did not even do their due diligence. I'm insulted that they answered the inquiry in days like they didn't even bother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$300.00} payday loan. At the time of signing the loan, Because of unexpected medical expenses due to my XXXX I was unable to make the payments. I contacted Spotloan Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls and charged enormous fees which added up to {$720.00}, as of today. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success. I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.

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