vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I changed cell phone companies from XXXX to XXXX XXXX XXXX. Walked both XXXX devices into the store and returned them to a store representative. I was given a receipt for the devices. I received a XXXX bill for XXXX showing the devices on the bill. I followed up and called XXXX customer service advising them of my store visit and the return. XXXX advised me to allow more time for the devices to be credited to the final bill. I stated i wanted to pay the bill off as soon as possible and needed to exact amount due. XXXX and I went back and forth. I received a phone call from a collection agency XXXX stating the debt had been sent to them. I submitted my receipts and they sent the account back to XXXX. XXXX failed to update the information instead selling the account to another collection agency Diversified Consultant. I spoke with a representative for diversified onXX/XX/2019 who stated the debt. I asked to be sent a me out the bill and breakdown of the debt. I advised him was disputing the debt as the amount was not correct. I did not receive the letter until XX/XX/2019. I sent a dispute/validation letter certified mail on XX/XX/XXXX that was confirmed by Diversified Consultants to be received on XX/XX/2019. I received notification that Diversified Consultants ignored my dispute and reported to the collection agencies the debt on XX/XX/2019 dropping my credit score. I am disputing this debt because I do not owe it. I have disputed this debt ; therefore, until validated Diversified Consultant knows the information concerning this debt is inaccurate and had a duty to not report inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today is XX/XX/2019. I received a loan recast which I did request from 5/3 Bank on XX/XX/2019. Before I sign these documents, I have called 5/3 Bank to ask them very simple questions. 

First I called customer service who passed me off to XXXX XXXX XXXX XXXX. I had a very simple question. How much of the NEW RECAST payment amount would be going towards my principal payment. Before I sign this, I want to know HOW MUCH of this would be going towards principal. 

Well, I have been on hold for 38 minutes. The woman absolutely knew nothing. Back to customer service I am transferred. 

I ask HOW MUCH of my current payment is going towards principal. She does not know. I just want to know IN WRITING how much of my RECAST payment would be going towards knocking down principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
I have no idea when Credit Control , LLC took over. I received no notice from the previous debt servicer that the loan had been sold to another debt service company. Months went by without communication from either company ( I cant for the life of me remember the name of the one prior ). When I finally received a notice from Credit Control , LLC it was an account statement that informed me I could now make payments on their website using my account number. When I called a very nice lady walked me through the process but to no avail. I made a mistake and got myself into debt when I was out of work. I spent too much money on a suit for a job interview that never netted me a job. Thats on me. However, in my opinion, its incumbent on the credit card companies and the debt service companies they sell to, to keep consumers - whether they have sterling credit or not so sterling credit - better informed. I may have just continued to send checks to a company that didnt have my debt, which was my fear when I couldnt log in to the website. I didnt, but you see the issue. My last communication with them was last week when we discovered my account number was invalid on the website. Ive called and emailed to ask at least for a letter showing chain of debt ownership and I have yet to get 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 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I am trying to get my PMI dropped off my mortgage. I have paid over 22 % of my principle off. I have requested a BPO appraisal. I sent Caliber Home Loans a check for {$100.00} to go the appraisal. They said they tried to contact me but I did not get a phone call. I did get a phone call on XX/XX/XXXX. The phone call said SPAM ALERT and no message was given. I also got a phone call from XXXX XXXX ( I believe XXXX XXXX bought the loan ) on XX/XX/XXXX. XXXX XXXX said they would do the appraisal. Then the appraisal was cancelled. XXXX XXXX told me to call Caliber. I called Caliber and they told me that XXXX XXXX should not have called me and that they would do the appraisal. They told me that the appraisal would be done by XX/XX/XXXX. I called today XX/XX/XXXX Caliber said they are refunding my {$100.00} check and I can reapply. This whole process has taken at least 3 months and now I have to start over. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had my Walmart Credit Card since 2016, good standing and great payment history. Walmart was recently bought out by Capital One. Within a month of changing over accounts, capital one completely closed my account with no notification and I still have a balance. I contact them to see what was the problem and they stated because of a previous account I had with them which was only late or return payments when I was laid off work. Although my history has been great these last 3 years they still closed my account. I'm very upset because I couldn't get the job I was going for due to my credit score decreasing because of this card. Capital one is very horrible with customer service, they do not care about their customers and charges extra interest on everything. They're still charging me interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc.
State: IL

Complaint narrative:
I started a case study with a company called XXXX in 2018 in that arrangement I an about 400 other people were to pay United consumer financial services XXXX a month and in turn XXXX would mail us a check for the same amount each month XXXX has not paid anyone since XXXX as they are a ponzi scheme I have spoken to ucfs and asked there representative to fogive our loans as a result of this but they have not taken any action since I let thme know about this in XXXX my account number with them is XXXX and the person working on the XXXX case study particiipants is XXXX XXXX extension XXXX please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.

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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, 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 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Northern Trust Company, The
State: CO

Complaint narrative:
I have had this problem several times but most recently XXXX. Northern Trust out of XXXX, IL processes check payments for a number of banks. I work in a shared office space with a single address but multiple companies. When Northern Trust processes checks they include all checks paid the same day to the same address in the same envelope regardless of which company it goes to. In previous cases, I would have a client send payment but the check would end up in the envelope of another company that received a separate check payment from an unrelated payee that day. I would never get the check. In this case, I received a check from a client and behind that check in the same envelope was a check from a different party to a different company in my shared office space. I would expect that this is not allowable for a number of reasons but especially because banking information from the checks is getting into the hands of a different party than who they were intended for. Northern Trust told me that that is just the way they do it. They said I could contact the bank that initiated the payment to change a setting but that was not possible.

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 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loan Me took advantage of me at a difficult time in my life -- my husband had just died and I was frantically looking for a way to lower my expenses. They have since changed to XXXX. 
They are charging me 22.6 % on a 15 year loan on {$52000.00}. My dollar amount the credit will cost me is {$130000.00}. They are charging me a prepaid finance charge of {$17000.00}. As of my 26th payment, I still owe {$67000.00}. This just seems criminal to me. Can they do this legally? In addition, I'm not allowed to schedule an automatic payment from my bank to them. They just take it out of my bank account. I'm just a little scared of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NC

Complaint narrative:
I have contacted Transunion multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as 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 2019-11-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT. PLEASE INVESTIGATE AND HAVE THOSE REMOVED IMMEDIATELY. I AM DISTRESSED BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: VA

Complaint narrative:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with TransUnion, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

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 2019-11-06 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: VA

Complaint narrative:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX  has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, Equifax, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX   XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased two chairs from XXXX in XXXX, VA on XX/XX/XXXX. The total purchase price was {$4900.00}. I put down a deposit of {$1500.00} leaving a balance of {$3300.00}. XXXX offered a 0 % loan for the balance through Synchrony Financial. Here is where the problem starts. I thought the term was for 3 years. It turned out it was for 1 year. I was confused as Synchrony was sending me an invoice for {$110.00} every month and I know that would pay off the balance inside of 3 years so I mistakenly thought I was covered. 

Coincidentally I called Synchrony on XX/XX/XXXX to get a pay off amount and after a lot of holding the phone line they were not able to provide either my payoff or how much I paid them to date. I again called Synchrony on XX/XX/XXXX and got the same runaround but this time they agreed to send me a report in the mail. I received the report last week which consisted of approximately 40 pages of credit card statements which I had never received any of these originally. From these statements I learned my term was 12 months and that on XX/XX/XXXX they charged me {$990.00} in interest. I was shocked! 

I called Synchrony on Monday XX/XX/XXXX to let them know that I thought the term was 12 months. I also mentioned to them I tried to obtain payoff data twice the last two months and could due to their ineptitude or intentional questionable business practices. They basically told me to tough luck! 

Ive taken out countless loans over the years and have outstanding credit. I have never dealt with a financial institution like this. I reached out to XXXX because I was under the impression they were a credible company but their position is that the issue is between Synchrony and me. I intend to inform the XXXX  regarding this relationship and business practice. 

My position is that Synchrony is a predator outfit that is acting like a loan shark. 

I take responsibility for not paying closer attention to the details of this loan but Ive offered Synchrony to pay off the remaining amount which is {$1700.00} with a late fee but they were not interested.

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 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
SENT WRITTEN LETTERS TO COLLECTION AGENCY DEMANDING TO CEASE AND DESIST ALL ATTEMPT TO CONTACT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello CFPB, When attempting to sign up for early access to the new XXXX XXXX this past summer, however my application kept getting denied. I had sufficient income, and XXXX and XXXX XXXX ( creditor ) couldn't figure out why my application was being declined. 

Eventually it was found that the hang-up was the identity verification process : Equifax could not reconcile the differences on my application with the information they had on file. 

I verified my address and DL number with Equifax over the phone. It became clear soon what the problem was, though : they told me that my SSN on their credit file for me wasn't correct : It was XXXX instead of XXXX. 

I was instructed that I would have to help them verify that the SSN attached to XXXX wasn't a real number, and wasn't mine. I would have to *FAX* them documents and include a letter to their dispute department with *specific verbiage* ( which I was verbally read, but can not find online ). 

These documents include : A copy of my social security card, my birth certificate, a recent bill verifying my residence at XXXX XXXX XXXX ; all sorts of information that I can easily get, but I absolutely do not want to FAX them and create a security risk to my identity. 

But that's not even the basic problem : I don't own a fax machine and I don't know anyone that does, either, so how am I reasonably supposed to correct my information? 

Furthermore, I can't sign up for an account on Equifax 's website because of, I suspect, this issue. 

I also can not request my legally-mandated free annual report from Equifax due to their error. I have already been supplied with accurate ( and blank, I should add ) reports from XXXX and XXXX.

Company response to consumer: Closed with explanation