vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my primary checking account became overdrawn for a payment that came thru in the amount of {$600.00}. On XX/XX/XXXX I visited a branch of XXXX in XXXX, Texas and explained to the account representative what was happening and that I had every intention of covering the overdraft before the 30 days had passed. 
On XX/XX/XXXX, XXXX transferred {$670.00} out of another checking account I have, without notifying me and leaving me at XXXX, and deposited it into the overdrawn account. It has only been 22 days that the account has been overdrawn and now my other account is being put in jeopardy as I have payments that are going to be coming thru tonight. I spoke to XXXX in collections this morning, XX/XX/XXXX at XXXX, and she could offer no assistance to me. I explained to her the life changing event going on in my life, divorce, and even gave a promise to cover the entire overdraft by XX/XX/XXXX. Again, I received zero assistance from her, just an " I'm sorry Mrs . XXXX. '' I was then transferred to XXXX XXXX, collections manager, and his only resolve was that he could transfer {$200.00} back and that was all. I have a 15 year background in banking and I know that is not true. If I had over {$100000.00} in my bank account, I guarantee I would not be having these issues with Chase Bank. My accounts have been in good standing and I feel I am being treated unfairly as my banking institution, again, is not willing to help. 
Back in XX/XX/XXXX, I filed a complaint against XXXX due to not being fully reimbursed when my online banking account was compromised. XXXX was not willing to help me recover all the monies that were stolen from account, only what they could recover from the account the monies went to. After filing the complaint, I had the difference owed to me within 10 days. 
I am very disappointed in Chase Bank and will be closing my accounts once this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: NY

Complaint narrative:
Transunion is apparently looking into an entry on my credit report that is usury in nature- investigation has taken over 30 days, Transunion responded to complaint -XXXX but it did not come close to addressing my issue and the investigation is still open. Please note that Transunion is the only reporting agency who has this usury account listed, the other two removed it as it is illegal

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC

Complaint narrative:
Ditech reversed my XX/XX/2018 mortgage payment for reasons unknown and unexplained to me. Customer Service has also been unable to explain what happened from my numerous calls to them. The funds paid to Ditech were posted to my Ditech account and cleared my bank account timely. I only learned about this situation when I received a letter from Ditech dated XX/XX/2018 which stated I was behind on my mortgage and that I needed to make a payment to avoid foreclosure. My account is current and I have bank records to prove every payment. I have spent hours on the phone with Customer Service and have gotten no resolution. I don't understand how my payment could be received, applied to my account, clear my bank and then be reversed months later, thus creating a default situation? Where did my funds actually go? As a financial institution, aren't they supposed to abide by strict accounting controls? After trying in good faith to work with Ditech to clear up this situation, I now feel they are willfully misstating my account status and payment history while also threatening me with foreclosure for their own shoddy accounting practices. Thank you for any help you can provide

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 2018-08-08 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: TX

Complaint narrative:
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. Equifax. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, Equifax, XXXX, and XXXX CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Automotive Acceptance
State: WA

Complaint narrative:
Back in XX/XX/2009 I served United States XXXX XXXX. My duty station was XXXX XXXX. I was a new XXXX XXXX XXXX. A Ex- XXXX who profit off getting Servicemembers to come to XXXX XXXX XXXX XXXX for used vehicles, told me to sign XXXX contract and shortly after I would be able to refinance the 24 % interest loan for much lowere rate. Time went by i was loyal to my $ XXXX/mon payment. 2yrs later car enigne was blown. I was going through a divorce and couldn't make payments on time. Harrasments and threats went on for a year or so of being able to pay when i could. Even after they came on base and took the vehicle, i couldn't talk to anybody about and adjusted payment. So when i finally got my large sum of EAS money i was ready to give them a offer. But was turned down. Over the past year, I have been trying to slowly work on my credit report. And the inquiry reports, funds not receivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: MN

Complaint narrative:
I currently have about {$50000.00} in federal direct loans with XXXX. Last fall, after being prompted to consolidate a small federal loan with XXXX to XXXX, and getting a new Income Based Repayment plan, I began paying after a year of forbearance. Prior to that, I had made XXXX payments which I believed to be helping me make progress toward the XXXX XXXX payment threshold ( I'm a XXXX who works in a XXXX XXXX ). 

After recently certifying my now 7 years of employment in XXXX XXXX XXXX, I have come to find out that I have not made now XXXX qualifying, on-time payments in full to XXXX, but only the XXXX since the consolidation last fall have counted. NO ONE who helped me during the consolidation and income checking process ( for IBR )  mentioned that all of my previous payments would be wiped away. Instead of my next payment being my XXXX ( and XXXX full year of payments ), my next payment will be my XXXX. Which means that I now XXXX payments ( XXXX years XXXX months ) of payments left instead of XXXX payments ( 6 years ) despite the fact I'm beginning my XXXX year of XXXX and have been making regular payments in full essentially this entire time. 

The lack of communication about the consequences of consolidation are at minimum negligent, and at worst intentional to get people to pay more. I NEVER would have consolidated if I had known that it would cost me almost 4 years of payments. Who would? How would that make any financial sense at all? I felt like I had to consolidate because one of the federal loans was with XXXX and I did not believe that if I left it with them that I would be able to qualify for PSLF. It was not made clear that I would lose all of those payments in conversations I had with people at XXXX nor was it clearly stated in online applications or correspondence with me. Though I had not certified my years of employment, I had communicated a number of times over the years with XXXX that I was a XXXX ( I mean, they unfairly converted my XXXX Grants to loans because I missed one deadline - but that's a complaint for a different day ), so they knew I was a XXXX and that I was screwing myself by consolidating but nowhere did anyone say " hey, if you do this, all previous payments will no longer qualify '' and that's a shame. You'd think that people and organizations that I pay for with my tax money ( and loan repayments! ) would be trying to operate in good faith, but apparently not. I'm not some negligent borrower, I want to pay debt and HAVE BEEN for YEARS, but this has not been a fair deal on their end at all, and I have operated in good faith to hold up my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove

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 2018-08-08 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
To Whom it may concern, I have reported to the credit union about having XXXX XXXX XXXX on my credit report I have know Idea who this person is my ID check was stolen by this person was reported in XXXX MN in maybe XXXX some where are that year it has been a long time. Please remove. I also notice under Soft Inquiries there are a list of XXXX XXXX  on my credit report I have not request for any credit from any one these company I never called them or filled out any paper work not sure how they got my name I really appreciate if all of wrong information be removed ASAP. Only thing since my Bankruptcy should be on my credit report is XXXX which is the only credit card I have which I just required in XX/XX/XXXX. I have not request any other credit card you have XXXXXXXX XXXX as and error please remove. I am trying to keep my credit on the right track. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
My dad XXXX XXXX on XX/XX/XXXX. I made the mortgage payment on XX/XX/XXXX to make sure the account was kept current and at that time requested an email letting me know what would be needed for me to be able to sell the house. 

I have emailed and called in an attempt to receive the needed paperwork to sell his house twice a week for this entire month. They have refused to send me the necessary paperwork so I can sell the house. Several times they have even refused to let me speak to a manager. I have email confirmations and all the of the times called. 

Every single call I have had to explain that my dad XXXX XXXX   and no one has given even the most basic of information. 

This is completely inappropriate and financially devastating to my family.

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 2018-08-08 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: TX

Complaint narrative:
I have submitted information and spoke to managers @ Equifax and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: TX

Complaint narrative:
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, TransUnion, and XXXX   CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

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 2018-08-08 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: TX

Complaint narrative:
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for XXXX years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, XXXX, and Experian CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

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 2018-08-08 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( XXXX ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXXXXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by 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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX. 

I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself. 

Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served. 

The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses. 

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself. 

I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant. 

I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX. 

It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt. 

I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated. 

How should I proceed with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
In regards to XXXX XXXXXXXX XXXX : I made multiple attempts to find out what happened to {$640.00} of payments to my account since XXXX and its now XXXX and still no resolution and now threats of negative credit reports. I am now contacting the California XXXX XXXX, My state senator, and the XXXX 's XXXX. XXXX XXXX is extremely incompetent and should not have any control over student outcomes regarding such an important aspect of our lives. Basic accounting skills, payment paid then credit to the correct account? Not so simple XXXX XXXX. It is a distraction from XXXX XXXX, but it's ok at some point they will have to account for where my $ is and correct their multiple multiple errors. They really should look into there hiring practices ....

Company response to consumer: Closed with explanation