vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: East Coast Funding Group
State: NY

Complaint narrative:
someone I had known opened a loan in my name .. ive been contacting XXXX XXXX also known as east coast funding along with XXXX , for years about this account .. they had first put it on as east coast funding and removal date was XX/XX/XXXX then they changed their name to XXXX XXXX XXXX removed as east coast funding judgement then they changed there name at some put and changed the removal date to XX/XX/XXXX which I believe is fraud ... they then gave to another company XXXXXXXX XXXX XXXX.. which I went to court on XX/XX/XXXX and XXXX XXXXt judge vacated order and, judgement XXXX will not honor neither would XXXX XXXX ( rep XXXX ) .. I have been disputing this item for years along with notarized letter from the account holder.. please help me get rid of this account that is not mine I have good credit and its holding my credit back from being great .. thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
I took out a XXXX title loan on my car XX/XX/2018 with a 60 day no pay. They sent me an email on XX/XX/2018 stating that my payment was Due XX/XX/XXXX, I called them immediately to discuss why there was a payment due they then said Oh our mistake you are on a 60 day no pay your payment isnt until Due XX/XX/XXXX, then 3 days later I receive a text message saying my payment is past due the 2 seconds later I receive another text message saying please disregard you have a 60 day no pay. Then Today XX/XX/2018 my step daughter receives a call from them saying I am behind on my title loan and I need to pay them. I called them again to verify and was told I have to pay the payment now and I am behind, I explain I was told I had a 60 day no pay they then said let me call you back I need to talk to a manager, then 2 hours later I call back and I was told I have a 60 day no pay my payment is due XX/XX/XXXX.. then 3 hours later I get another call from the supervisor stating my payment is was due XX/XX/XXXX I explained I no longer had the money to make the payment as I was told that i had a 60 no pay if I have to pay now can I pay when I get paid in a week and she said I was told wrong information and I have to pay now or It will be a felony and they are going to call the police and take my car ... I made calls to them and I have returned everyone there calls each and every time and they are continuously calling my employer and all my references and giving them information on this loan which I never agreed to have them give my personal information and since I have been in touch and reachable why are they allowed to call every reference and my employer giving them details on my loan? The company is Maximum Title Loan LLC in XXXX AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC
State: NJ

Complaint narrative:
In XX/XX/XXXX My husband had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$11000.00} on XX/XX/XXXX. He had attached proof of payment in the email. He requested MLD Mortgage Inc. to refund the real estate tax that I had paid. He had never receive any response from tax department of MLD Mortgage Inc. He had also repeatedly made numerous phone calls to request for the refund, but nothing has been done. As of today, XX/XX/XXXX my escrow balance is over {$21000.00} ( it has been over {$11000.00} since XX/XX/XXXX ), and I still didn't receive the minimum {$11000.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: TX

Complaint narrative:
I have never missed nor have I ever been late on a mortgage payment to Selene Finance. I stopped receiving statements from the company in XX/XX/2018. I want concerned at that time, as mail delivery in my area is spotty at best. I had no reason to suspect anything being wrong and continued making my mortgage payments as usual. My payment was {$670.00} a month and i continued to pay {$700.00} a month as I am in the habit of paying additional to lower my principal. I received a letter regarding bankruptcy rights XX/XX/2018, and tried to log into my account on line. I kept getting a message that no account associated with my information could be found. I then called and was told that no one could talk with me about my account since I'm being represented by an attorney. I tried to explain to them that I am Not being represented by an attorney as and was then told I would need to call back and talk with the bankruptcy department. I called the next day and was on hold for nearly two and a half hours. When someone finally answered, I was told the office closes at 4. I called the next day and again was on hold for two hours only to get a recording to call back during regular business hours. The following day I received an email from an attorney with a letter of intent for accelerate. I then sent a letter to Selene along with bank statements showing all payments clearing my bank on time and in full. I do not know if my payments have changed due to escrow, but I have paid an additional amount for the last three months to cover this. I am still unable to actually talk to a person and I have had no response to my letter or payment statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX  servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! 

By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? 

This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! 

My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. 

In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? 

Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed one of two credit cards that I got issued from it without a proper notice. Chase sent me the first notice by 'mail ' only threatening me that my account will be closed without a proper explanation. I called the customer support, the representative could not figure out exactly what happened and she promised that this won't happen again. After a month while I traveling abroad, Chase sent the second 'mail ' stating that they closed my account due to a payment being made with a refunded credit. I use the affected credit card exclusively for XXXX purchases and have only made few purchases over the last few months. I returned few defective items and got refunds. Chase is claiming that I did not make any payment due to refunds being credited earlier than when Chase could charge my bank for payment. I understand what happened systematically, but Chase 's claim simply does not make sense for the closure of the account. If they wanted me to make payments for my purchases, I would have done so, but they never asked me to do so before the closure of the account. They never explained with the first mail nor the first communication that I had with the customer support. I am dismayed by such an abrupt, inconsiderate and one-sided customer treatment by Chase and it must be condemned. I also have a concern that this closure would affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I made a regular home equity payment on XX/XX/2018 using two checks from different accounts. One check was in the amount of {$200.00} and the other was in the amount of {$370.00}. On XX/XX/2018 I received a text alert that one of the accounts was overdrawn. I had to have my daughter transfer funds to the checking account until I returned to research it. I was out of town during this week. After researching it, I discovered that Suntrust processed the payment out of one account not the two that the checks were written on. When I returned on XX/XX/2018, I went to the Suntrust branch that processed the payment and asked them to fix it. The teller said that it was already processed and she couldn't do anything about it. She said their system holds account numbers and that the lady processed it through the incorrect system. I then told her that I was going to call the XXXX number for Suntrust and ask them to fix it. She didn't care. This wasn't the first mistake they made with this account. Many other mistakes have been made since securing this loan. I then went out in the parking lot and called the XXXX number. I spoke with a woman who assured me she could fix it. She then took the correct number of the account that the {$370.00} was to be taken out of and said she would process it and that she wasn't sure if the money could be put back in the other account electronically but if it couldn't we would receive a check. On XX/XX/2018, {$370.00} was debited from the correct account and to date, we haven't received the money back from the incorrect withdrawal. That money was to be used to pay a bill. We don't have the money, nor credit for the extra money on the home equity. Suntrust has the money but we have no record of it being a credit to our account. I called again today and spoke with a gentleman who told me that the complaint kept getting pushed around and that he thinks a check is issued. I told him I was filing a complaint as this money was to be returned to us by now and instead Suntrust took another {$370.00}.

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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim 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 2018-07-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I finally received a copy of my XXXX report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically XXXX has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

XXXX XXXX then would not allow me to dispute this and other inaccurate information contained in my credit report. XXXX said I had to provide proper identification. 

To obtain said report I sent XXXX a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

XXXX refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against XXXX and XXXX XXXX who reported this name in error in XXXX, XXXX, XXXX. XXXX 's sent XXXX several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both XXXX XXXX and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against 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 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
On XX/XX/XXXX Transunion was given a formal complaint via electronic transaction with XXXX and was provided with investigation number XXXX. 
The investigation was completed on XX/XX/XXXX. These dates and information at this point demonstrates that Transunion is in violation of the 30 day agreement as set forth by the guidelines of the FCRA. Transunion has been contacted and is failing to admit responsibility of clearly failing to comply with the FCRA requirements. No further complaints by other consumers or any notifications on Transunions website or publication otherwise including letters, emails and social media demonstrate any delays in their system. Therefore Transunion shall have no choice but to delete the following accounts XXXX- Reason part of Chapter XXXX bankruptcy {$0.00}, disputed as not my account XXXX  XXXX Reported on XX/XX/XXXX Amount {$77.00} - Disputed as Not my account or belongs to someone with a similar name XXXX Reported on XX/XX/XXXX {$0.00} _ reported as exceeding time to list on credit report XXXX Reported on XX/XX/XXXX {$0.00} Part of a Chapter XXXX bankruptcy Transunion has been notified repeatedly that I have not filed for bankruptcy and is not listed on my credit report as all Bankruptcy charge offs for Chapter XXXX are reported. Transunion still fails to acknowledge based on this information that the information is inaccurate. Transunion also claims they have supporting documentation for each account reported and verified as accurate yet refuses to provide the information used to justify their actions. 

Transunion is in violation of FCRA including any past disputes on the same accounts that did not exceed 30 days. Transunion should be directed to delete these accounts immediately from my credit report based on factual information listed in this complaint

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
IQ Data International. Spoke to a XXXX XXXX I specifically asked for documentation to back up debt itemization, he claims they sent it to my address, and it was signed by post office delivery, don't remember receiving this. I also got one letter from them 2.5 years ago trying to resolve the debt with a one time payment of {$1500.00} and they also told me to have someone else pay it or get my credit card they noticed I had credit on my cards to cover a said amount at time sounds fishy to me. I'm not paying a debt that has no documentation. So I called the original rental company no one has any records company doesn't exist anymore, nor did I ever get a bill from said company. XXXX threatened to sue if I didn't pay by the end of the day and this debt keeps getting reported and adding interest on my credit report. It's causing me problems with insurance hikes loan hikes and getting a job or moving. Funny when all of my bills are paid on time perfect credit history and these people are the only ones on my credit trying to make me pay a debt with no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield has not complied with the law to give me a remedy regarding a debt that I asked for validation on or about XX/XX/XXXX. I sent a letter, via certified mail return receipt, explaining to the company that I did not recognize the debt being reported to the credit reporting agencies, as I am a victim of ID theft. I confirmed with the post office that my letter was signed for. 

However, I never received the return receipt confirmation from Hunter Warfield. I waited for debt validation for over 45 days and never received the validation. After the 45 days, I filed an ID theft report with the FTC and all 3 credit reporting agencies. Additionally, I sent a second letter to Hunter Warfield explaining to the company that it failed to validate the debt of XXXX XXXX, and how it was a debt resulting from ID theft ; therefore, I am requesting it be removed and blocked from my credit file. As of today, XX/XX/XXXX, the debt is still reporting with a limit increase ; however, I finally received a letter from Hunter Warfield at the end of XXXX stating they would not continue collections on this account until a investigation was complete within 30 days. 

My issue with this investigation is that Hunter Warfield is attempting to shift the burden of proof of my ID theft to me, victimizing me a second time, as if, I committed the crime of ID theft. The company failed to address any of the questions I asked in my debt validation letter. Additionally, it did not give me due process at law when they ignored my first attempt to address the validation of debt. This process is all new to me, and I did not know that I had all of the remedies in law to protect myself against ID theft or fraud to my credit. Thus, I have experienced many credit fraud since about XXXX. Maybe I did not express my letters according to an attorney ; however, that does not give Hunter Warfield the right to ignore mail, as consumers are protected by the United States Post Office. I am spending a lot of money for postage to address my ID theft issues ;  therefore, I expect due process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft

Company response to consumer: Closed with explanation