vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I filed an identity theft complaint with the FTC after a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my social security number during a pre employment background check and credit check. I do not know who this person is. The FTC requested that I get my credit report. When I attempted to get my free annual credit report all 3 reporting agencies denied my request and told me I needed to take additional steps by proving documents for example before they would issue me my free annual credit report. This is not the first time they refused to provide me with my free annual credit report, they refused me in XX/XX/XXXX, and XX/XX/XXXX as well. Without the credit report the FTC said they could not assist me with my identity theft complaint. Again today XX/XX/XXXX during a pre employment background check and credit check conducted by XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my Social Security number ; again I do not know this person. Again I spoke to the FTC and again they told me to get a credit report and again the 3 credit reporting agencies refused to provide me with my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements.  The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months. 


The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: CA

Complaint narrative:
Good afternoon, This is in regards to the fees from XXXX XXXX XXXX XXXX University from the Spring and Fall of XX/XX/XXXX which I did not attend.

In Fall of XX/XX/XXXX I transferred from XXXX to XXXX. It was my first time attending a private college and I was working full-time. 

Unfortunately, I was working as a XXXX at XXXX XXXX XXXX XXXX  and the XXXX was going through a high turn-over and was under new management. XXXX XXXX XXXX XXXX  XXXX were unable to work with my school schedule and I had to drop out mid-fall semester XX/XX/XXXX. I never returned to XXXX. 

However , XXXX XXXX and I had email correspondence prior to the beginning of Spring XX/XX/XXXX Semester in hopes of returning. I had added courses in that attempt. XXXX XXXX advised me that I would not be able to attend the classes I selected because I did not have the prerequisites ( XXXX courses ). I followed up with a phone call at the time as well. I was then unable to drop these classes that I could not take because there was a hold with the health clinic due to vaccinations of the XXXX shots. I did not have the money to pay for these vaccinations. 

I am now in XXXX dollar debt because of this situation. 

I called several staff members of the XXXX system asking for help to clear this. Some replied others never did. I was able to get a female advisor in financial aid to assist me somewhat. I was told that I needed to come up with proof in order to remove these fees from my XXXX   record/credit. The proof was that I show XXXX that I notified someone of my work changes in schedule. 

I have spent the last three years trying to resolve this. I have sent them countless emails to advice they are charging me for classes I never attended and that I could not drop these classes due to the holds on my records. 

I am unable to access emails from XXXX XXXX and other professors discussing the fact that I will not be attending and emails from XXXX XXXX XXXX on campus stating I had a hold on my records. These emails were erased from my XXXX email account as time goes by. 

XXXX XXXX has helped me but Great Lakes is stating that I owe XXXX approximately XXXX dollars. 
I did not attend Spring XX/XX/XXXX. I do not understand why the teachers would continue to bill if I was not there for the first day of class as I was told that I did not have the prerequisites per XXXX XXXX. 

I have forwarded you all the emails I could find on my personal email account to support what I am saying. Please help me. 

Thank you for your time. 


XXXX XXXX XXXX XXXX regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
We got flooded in XX/XX/2016 in XXXX Louisiana and chase got our flood insurance check. We have a licensed contractor. They make excuses and excuses to release funds to us to pay the contractors. Our house is damaged still not done because chase will not release funds. We recently got a letter saying they are selling our mortgage. The only reason they are doing this is because our house is damaged and they want to hold on to our money as long as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
Recently a debt of {$3000.00} for a medical bill appeared on my XXXX report. Prior to this I contacted the medical company bc they had sent me a bill in the mail that I had no idea what it was for, for that amount of money. I told them over and over submitted documents to them to prove that it was not me. I guess bc I dis agreed to pay this bill they sent it to transunion. It is the result of an identity theft. I have submitted affidavits to the IRS, FCA, and businesses to make them aware of the fraudulent activity I have been experiencing. XXXX needs to ha XXXX this removed from my report immediately as it doesn't not belong to me. 

There is also a XXXX XXXX account that shows negative on my report that I've disputed time and time again. This account was paid in full and was in good standing when closed. Please have this removed as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been attempting to link my accounts at capital one to outside accounts for deposits into capital one however I have now been notified by separate entities I conduct business with that Capital One is known by the I. T. community it large and in their company locally to be currently blocking users from accessing their accounts. This is exactly the information I have found as well. I have the right to access my financial records and access to my accounts, funds, and to conducts banking processes as I need in accordance as agreed. Capital One should immediately release, remove, deactivate, or otherwise nullify any and all blocks, locks, firewalls, and/or any other pertinent system whether hardware, software, or artificial intelligence born, engineered, curated, fashioned, mocked, or driven that prevents me and the rest of its customers from pursuing their rights to accessing person bank accounts from an external non capital one entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I refinanced our mortgage and closed on XX/XX/XXXX. Ditech owed us {$3300.00} from the escrow account. 
On XX/XX/XXXX I called Ditech, and they said they mailed a check for the full amount the previous Saturday, XX/XX/XXXX. and gave me the check number. It has not arrived, and it has been 9 days. 

I called Ditech again today, and they said it must have gotten lost in the mail. I was warned beforehand that it could be difficult getting the escrow refunded in a timely manner. I was also told there are regulations that lenders must follow in re : to returning escrow funds, and I research this. There are regulations and fines, and I believe Ditech needs to be investigated and fined for not returning our funds within the required timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM XXXX   AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT XXXX ABOUT  THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. XXXX CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT XXXX REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY. 

ACCTS DISPUTED AND XXXX REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: FL

Complaint narrative:
It seem ike Great Lakes Higher Education violated The Fair Debt Collection Practices Act 809. Validation of debts [ 15 USC 1692g ] by not provide me with name and address of the original creditor.

The FDCPA, specifically, subsection 809 which reads : 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

It seem like Great Lakes Higher Education is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Great Lakes Higher Education claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that XXXX being discriminated against me because I'm a XXXX male. 

I am asking Great Lakes Higher Education have you seen the original promissory note? What name and address of the original creditor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: OH

Complaint narrative:
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called XXXX XXXX  they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone  number. Also the letter didn't say why I was denied.

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 2018-06-25 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: NV

Complaint narrative:
I have been dealing with this over a year. A copy of my license and social security card along with a check book was stolen. The police in XXXX XXXX can not make a police report. In the past year my credit has been ran multiple times and every time I call Equifax they tell me that inquires are factual data. This is beyond frustrating I keep getting the run around. The FTC tells me to contact the credit agencgies. The inquires that are in question are as follows : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Peoples Home Equity, Inc.
State: CA

Complaint narrative:
On XXXX I entered in to a contract to buy a house. XXXX XXXX XXXX XXXX XXXX, XXXX. I had been pre-approved for a loan, with PMI, by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, in XXXX California, on behalf of Peoples Home Equity of XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX, which became a loan # XXXX. This loan was quickly sold to XXXX Mortgage. 
I paid {$450.00} for the appraisal and {$4300.00} in points to lower my interest rate. It turns out that the XXXX XXXX never provided a copy of a Prelim Report to the appraiser, neither was one provided to me by escrow until the morning of closing when I had to sign for it but no time to read it in the maze of papers. As a result of not being given the prelim tittle report that included 3 Property easements for SEWER LINES that cover 1/4 of the lot, along with a {$93000.00} lien the appraiser estimated the value of the property incorrectly, at {$630000.00}, when a price closer to {$600000.00} would have been more accurate given the fact the property had changed hands for $ XXXX 2 months before. I ended up paying $ XXXX. 
The loan agent had been recommended by my real estate agent who also failed to mention the easements, and the escrow company, Lawyer 's Title, was picked by the seller who does all her business thru them and forgot to provide me one till it was too late. The original prelim title report, that had been pulled for the seller, before escrow opened, that I attach, was sent to me in XXXX when I questioned my agent and the escrow. I have the one I signed on XXXX at closing, that was requested by the escrow company, Lawyers Title, from a DIFFERENT Title company, XXXX XXXX, on XXXX and provided to the agents and escrow, ONLY, WITH THE EASEMENT MAP, on XXXX, at XXXX pm, per email by my agent, XXXX XXXX. The sellers, the escrow company, My agent and Loan agent XXXX XXXX, conspired to keep the easements secret till the end and misdisclosed the HOA fees as {$30.00} a month, though they were {$150.00} per month so they gain the commissions, about {$16000.00} for my agent and over {$8000.00} for XXXX XXXX for this loan. The sellers agent has agreed to mediation, while the buyers agents declined and legal action is to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Loan went into repayment period starting XX/XX/2018 with wrong interest rate. Loan issuer Navient is charging 5.594 % interest when loan documentation shows interest should be 5.31 %. Called the company to resolve ; customer service plugged in the numbers and said I was right but they would not do anything to change the monthly payment to reflect the correct interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My daughter, XXXX, and her friend, XXXX, found a lady named XXXX XXXX ( not her real name we found out later ) who had a house listed for rent on XXXX. They wanted to rent the house that XXXX had listed at XXXX XXXX XXXX, XXXX, WA. My daughter and her friend sent an application to XXXX and she told them that they were approved. All they needed to do was deposit {$1200.00} into her daughters account, because apparently it was her daughter, XXXX, who normally handled the rental. XXXX gave them the information for the account. Here it is : Bank : Wells Fargo Daughters Name : XXXX XXXX Account # : XXXX XXXX & XXXX went to the Wells Fargo, XXXX, WA branch on XXXX and deposited {$1200.00} into the account on XX/XX/2018 at XXXX. Transaction # : XXXX. Later that same night, they stopped by my place to tell me about the place they thought they had just rented. I told them right away that I didnt like the whole situation and was worried it could be a scam. So, first thing the next morning, I started looking into all the information that XXXX & XXXX gave me and decided that they needed to call the police right away. XXXX called the police and found out that they were definitely scammed and was given a police report #. ( Report # XXXX XXXX Police Department ) XXXX informed her mother of what had happened and her mother got on the phone right away and spoke with the Wells Fargo branch manager on XXXX where XXXX and XXXX had deposited the money. She explained to the branch manager what had happened and gave her the police report #. The branch manager stated that the XXXX Police Department never does anything and informed XXXX mother that the money was still in the account and that she was going to put a freeze on the account. The branch manager called XXXX mother back that same day and told her that they would get their money back but she wasnt sure when, so she would call her daughter, XXXX, within a couple of days and let her know more. That was Friday, XX/XX/2018. XXXX called me very worried on XX/XX/XXXX because the branch manager hadnt called her back. I told her not to worry because it was XXXX XXXX and they were most likely closed. XXXX waited through Tuesday and still never got a call back. On Wednesday, XX/XX/XXXX, XXXX called the branch manager back, who apparently then called the fraud department, and XXXX from the fraud department called and talked with XXXX and told her that the account was never frozen and that the scammer had pulled the money out over the weekend and closed the account and that they wouldnt be helping her any further.

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