vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My Student loan has been taken over by XXXX XXXX  and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Student loan has been taken over by XXXX XXXX and they have been lying about everything. 
They never explained me about forbearance and they keep putting forbearance on my account by making false allegations that they explain me what forbearance is. 
They never explain me about Forbearance and also, they never explained me that my interest would be capitalized. 
They also, falsely reporting to credit bureau about my late payments because of which I have bad credit. 
When I asked them to send any letters or records, they asked me to get subpoenaed and they always talk in threatening way and told me that they will report to credit agencies. 
When I asked them to open an investigation, they never did, they asked me to get my lawyer every time I asked any clarifications. 
Once time I wanted to pay off their loan by taking another loan, but they refused to take my payments and then put Forbearance again, because they wanted to collect interest on my loan fraudulently. 
I need immediate help as I am feeling depressed because of their behaviors and my personal life being affected badly.

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 2019-10-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax refused after I sent them proof to remove a revolving " business '' account from my " personal '' credit report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2018, I was a XXXX-old XXXX student with barely any credit history and an income of {$25000.00} per year, most of which came from student loans. That month, I applied for a credit card at Capital One to build a stronger credit score. 

To my surprise, I was approved for a credit line of {$10000.00} at a XXXX. At the time, I thought that I would be responsible and would not use the entire credit line, so I accepted the card agreement, not truly knowing what it meant. 

Within the first month that I had the card, I had already spent {$830.00}. As time went on, I used more and more of my credit until I had none left. Today, I owe {$10000.00} to Capital One with interest. My current minimum payment is {$1100.00}. I only have a spendable income of {$100.00} a month. My credit score is now at XXXX. Before opening this card my credit was very good. 

When I opened the card, I had every intention of paying every cent of the money that I owed. I continued to feel that way until a few months ago when I could not make a payment because I could not afford it. Now, I am XXXX payments behind because they keep getting bigger and I still can not afford to pay. 

It is a predatory lending habit to extend a credit line worth almost half their income to young people with little credit history. When I applied for this credit card, Capital One knew my age, my income, my occupation, and my credit history. They knew that it was risky to give me any credit line, let alone such a large one. They attached such a high-interest rate because I was a risky lender. 

If it were not for Capital One 's predatory lending habits, my credit would not be ruined for years to come just when I am trying to begin my life. I can't make payments on this card so my credit will only get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2019 I made a transaction via Paypal to a merchant in the amount of {$2000.00}. My husband did not recognize the transaction therefore he report it fraud to XXXX credit card services. Once my husband knew the transaction was mine he called XXXX credit card services to let them know to cancel the fraud dispute. XXXX then returned the money to the merchant on XX/XX/2019. The merchant never received the money and Paypal claims they do not see the money that was returned to the merchant. I have even provided documents from XXXX to Paypal. Paypal refuses to credit the merchant whose account has been in the negative because of this issue and XXXX is refusing to refund ththe money to our card. Our XXXX has disappeared into thin air and we are paying intrest and fees on it to XXXX. The merchant 's account has now been sent to an outside collection agency and merchant is now requesting the money from my husband and I to resolve the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I applied for a modification and received a trial period. I paid the payments on time for 3 months, XXXX, XXXX, and XXXX. I received a letter about a balloon payment. I called and the gentleman i spoke to told me not to worry I would be receiving a new contract with new terms. I received the contract and the modification is only for three months with a balloon payment due XX/XX/XXXX. I called and asked about the modification covering this and was told no it doesn't. I was not told any of this before. I found out when i got the new contract for modification on XX/XX/XXXX. The balloon payment is {$32000.00}. I do not have this amount of money. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: NM

Complaint narrative:
World Finance Corporation WILL NOT validate a debt they keep putting on my credit report. I am completely fed up with it and reaching out to CFPB for help. 

They keep submitting false information to the credit bureaus and the bureaus wont remove them from my file. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
I took out this loan based on the guarantee that I received payment from XXXX  to reimburse me for my participation in their case study. I would never have agreed to purchase the XXXX dispenser for just under {$13.00} without that guarantee. In exchange for my participation in the study, along with the reimbursement, XXXX was to maintain the dispenser. Yet they never told me that the dispenser required filter changes, I have completed all my requirements and XXXX has never paid me any money. They continue to change the requirements monthly, and frankly make things so confusing. They even question if I finish them-when indeed I have. There are 1000s of participants who have gotten scammed in this fraudulent scam and XXXX just did a story as well. XXXX only talked about a few of the Finance companies and failed to list all of them. My loan was with United Consumer Financial Services.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
The company I'm addressing is ( Kia Motors Finance ) On XX/XX/XXXX my XXXX XXXX XXXX engine shutdown as I was driving on the freeway.I didn't have any warning light such as the engine light come on it just started knocking and shut off. I had myself and my daughter in the car. The next day I had my car towed to downtown Kia in XXXX XXXX there was a recall on my vehicle that had to do with the catalytic converter which it states in the recall can cause engine failure Kia has various class action suits against them for this issue they kept my car for a little bit over a month they refused to fix it because they stated I didn't have proof of Maintenance receipts which I did show them what I had they didn't accept those then they tried to give me a deal stating they will take XXXX off repair of engie ... the engine cost {$6000.00} they tried to do this secretly via text after they said they weren't going to fix it. They stated the pictures that were taken of my vehicle they found sludge but refused to show me. I was unable to work for XXXX months I ended up having to get my car back from them and get it towed elsewhere because they threatened to start charging me storage fees. After about XXXX weeks my car was repossessed and now I have it on my credit report. They also did not fix the recall on the vehicle they did nothing for 2 months and now they sent me a letter stating that they're going to sell my vehicle I was going to trade my vehicle in however they put the full price of the XXXX XXXX XXXX on top of whatever the new vehicle was so I declined. I believe there was contractual fraudulent activity along with poor service. This situation created an extreme hardship for my family and I because I wasn't able to work even though my husband does we have XXXX kids and it cost us to almost be evicted during that time.

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 2019-10-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax refused to remove fraudulent information from my credit report after dispute ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before. 
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of. 
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report. 
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report. 
XX/XX/2019 a name that is not my own is being used under my social security number. 
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit. 
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Recently applied for credit at Citibank. A letter of decline dated XXXX XXXX, 2019 was received. Application ID XXXX. Letter states reason for decline was based in part or whole based on XXXX  credit report. Contacted XXXX  and was informed that the information Citibank used in the letter was not obtained from them. Contacted Citibank and informed them of XXXX XXXX   response, and was told they had no credit representatives to speak to.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Wrong Names

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XX/XX/2019, I was notified by Quicken Loans that an employee error occurred during the transfer of my loan to them causing 6 years of taxes on my parking spot to be missed. It has been a continued back and forth since. They were going to increase my mortgage to almost {$1600.00} from {$1000.00}. 
I informed them that I have recently been laid off, I am back in school XXXX and collecting approx {$300.00} weekly unemployment right now. 
I informed them what I can pay monthly which is {$1100.00} a month and its been a struggle since. 
I have never been late with payments. This 6 year issue they cause / is being forced on me to pay back at a payment amount that will force me into financial issues.

Before being laid off I properly planned for my annual increases. Not for 6 years of an issue caused by Quicken Loans. I am looking for help with this back and forth of phone calls, email, undue stress and anxiety. Today I broke down on phone crying and being upset. This is horrible. 
I was told to hold my payment past 30 days In order to get additional support from there resolution team which will affect my creditworthiness and lateness on my account. This is not an option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I sent them a certified mail letter stating To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

This was sent on XX/XX/XXXX They responded by email the following Dear XXXX XXXX, We are not able to provide a written document with your signature as you did not sign any documents because the loan application was declined. 

Please let us know if you have any further questions. 

Thank you, XXXX LightStream, A Division of SunTrust Bank So why are they not taking this off of my credit I didnt apply for this

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 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Received a summons, which was dropped onto my doorstep and not delivered to me personally ( I was home all day ) that I was being sued By Glasser and Glasser for money due to XXXX XXXX   XXXX. This was the first mention of this debt, and I subsequently learned that Glasser and Glasser is a collection agency. I received no prior notice of this debt whatsoever. Nothing in writing. Nothing about what the debt was for, no dates of service. No opportunity to dispute. No notification of intent to sue, since I had nothing in writing whatsoever from this company. Summons said they represent XXXX XXXX XXXX  ; XXXX XXXX XXXX said they do not represent them, they are a debt purchaser. I was served a Warrant in Debt with no knowledge of this, and no notification in writing whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Credit Wise Recovery Solution LLC
State: LA

Complaint narrative:
My journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before. 
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of. 
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report. 
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report. 
XX/XX/2019 a name that is not my own is being used under my social security number. 
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit. 
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My name isXXXX. I purchased my house is XX/XX/XXXX. Due to financial stress, since my wife does not work, my loan officer suggested I apply for a loan modification. We started the process in XX/XX/XXXX, and after what seems like eternity I was finally approved in XX/XX/XXXX. ( I attached a letter of approval from MrCooper the Mortgage Company ). My payment dropped to {$1700.00} and I had to complete a trial payment for 3 months. I made all 3 payments in the time allowed based on the approval letter. I did not miss nor was I late on the payments. But on the last payment I had Initially scheduled that payment online for XX/XX/XXXX. But due to my pay being a little short that week, I called MrCooper customer service on XX/XX/XXXX and ask to reschedule the payment for the XXXX of XXXX which is still within the time frame of the due date. But apparently the agent I spoke to has changed they payment categories causing my third payment to show on their record as unspecified payment instead of the normal monthly payment. My loan officer and I have been calling MrCooper customer service for over a month now to have this error correct and issue the final agreement for the loan modification, but we have seemed to hit a wall. We keep getting different answers every time. Initially they stated that they did not receive the signed initial approval letter. So, my loan officer resent it to them. We waited a week, still no movement we called back, now the agent at first said they didnt receive the 3rd payment after we insisted, she went back and looked and advised they did in fact received the signed letter and all 3 payment. She advised she will send a request to have the proper department issue the final loan modification letter. We waited another week and only thing I received in the mail is a letter of Foreclosure Pre-Sale. We called ( my loan officer and I ) called MrCooper back and the agent once again stated that she is sending a request to update the record for the 3rd payment and have the proper department send the final loan modification and she stated it will take another 10 days. Meanwhile MrCooper lawyer still proceed with the Foreclosure process and after 10 days of waiting for the final loan modification, the only letter I received is another letter of Foreclosure Pre-Sale.

I do not want to lose my house ; please can you help me get this straighten out with MrCooper. I feel like they honestly dont care to correct the mistake that their own employee had made by mislabeling my 3rd payment, and just want to get me out of my home. Please help me.

Company response to consumer: Closed with explanation