vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 non-monetary relief
Consumer complaint received 2020-02-26 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Following a mortgage refinancing, Dovenmuehle erroneously debited my bank account on XX/XX/2020 for a payment XXXX {$2800.00} XXXX on the closed loan account ( # XXXX ). I immediately requested refund and confirmed my mailing address multiple times. Dovenmuehle stated the refund check was mailed on XXXX/XXXX/2020, but I never received it. I called every week to confirm that it was mailed, and I reported I had not received it. I was told that although they can see that the check was never cashed, they can not cancel it, and I needed to wait 30 days before another check could be issued. After 30 days I spoke with supervisors again on XXXX/XXXX/2020, who stated Dovenmuele will re-issue another check and mail it again -- the same method that failed last time -- and that if I do not receive it I will need to wait another 30 days. When I called today ( XX/XX/2020 ) I spoke with a supervisor ( XXXX  ) who told me they have directed an investigation to see if the check has cashed, and that I will have to wait for the results of that query before a check can be re-issued. Although Dovenmuele can automatically debit my account, they state they are unable to refund my money any other way. Every call is met with excuses, new process requirements, and inaction. My family is being punished for Dovenmuele 's mistake, and inability to overcome their own inflexible process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I established a freeze on my Experian account in early XXXX. Now I am unable to do a temporary lift on the freeze online, despite the fact that I have my current password and pin, and I likewise can not successfully do so via the telephonic voice response system. Worse, I can not find a way to speak to a human being. So the only option offered by Experian is to mail in various verifications and then wait 10 business days. I need to access my credit now, and can't wait 10 days.

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 non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery Associates XX/XX/2019 they responded by sending me a credit card bill. I responded back to there letter stating that they didn't properly verify the debt in response I received a letter from them stating that they have already responded to a previous dispute substantially the same as my present dispute and due to no new information they wouldn't be forming another investigation. It also state that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved they will consider my inquiry answered and they consider the matter closed. But yet they failed to properly verify the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
PAYMENT ARRANGEMENT ARE SET UP AND CONFIRMED FOR BIWEEKLY PAY DATES FOR AMOUNT OF XXXX LAST PAY DATE WAS XX/XX/XXXX A PAYMENT OF XXXX WAS DEDUCTED FROM MY ACCOUNT AS PLANNED. BUT I NOTICED CASH CENTRAL ALSO DEDUCTED XXXX ON XX/XX/XXXX 3 DAYS BEFORE MY PAY DATE RESULTING IN A AVALANCHE OF OVER DRAFT FEES AND RETURNED PAYMENTS BOTH PAYMENTS HAVE CLEARED MY BANK AND I HAVE NOTIFIED CASH CENTRAL AND ALL I GET IS TRANSFFERED TO DEPARTMENT AFTER DEPARTMENT ONE EMPLOYEE STATED IT WAS A COMPUTER GLICHE AND WOULD IT BE RECTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: TX

Complaint narrative:
I have received debt collection notices from Ascendium Education Solutions , Inc. C/O XXXX Post Claim Assistance XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, -XXXX  , PA XXXX-XXXX  and address XXXX  XXXX XXXX, XXXX, WI XXXX. The debt is for student loans paid to XXXX XXXX University. I never attended XXXX XXXXXXXX University  nor did I do a parent plus loan for anyone attending XXXX XXXX University. The debt collection notices are addressed with my maiden name that I have not used in over 33 years. 

I called XXXX in XXXX-XXXX, PA XXXX and confirmed there is no student loan debts associated with my social security number and names. I also called the Dept of Education XXXX Loan Locator dept and Dept of Education student loan servicing dept XXXX and confirmed I have no student loan debt owed to XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America ( B of A ) has repeatedly and continues to violate RESPA, Reg X Multiple CFPB, Banking and other Banking and federal regulations and laws in the servicing of our mortgage. Refer ty attached document entitled 'CFPB Complaint Summary Page Escrow 2-2020 ' for full details.

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 2020-02-26 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: CO

Complaint narrative:
Equifax is reporting incorrectly a collection in the amount of {$3100.00} on the N/A partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ;XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020, at XXXX, -in an effort to repair my " credit rating '' and to try to get a " debt consolidation loan '', I went to a ( so called ) free credit repair agency ( for 30 days ) - the " Experian '' -Credit Reporting Agency and filled out a form disclosing my social security number, home address, phone number, bank name and other personal information. After it was all completed and I submitted to paying {$19.00} per month, I eagerly waited for the credit score and referral but unfortunately I got absolutely nothing! -No score,  no referral, nothing and I tried to call them back at both phone numbers listed but was hung up on after hearing a recording. Should I write them to terminate the impending charges that occurs in one month? I don't trust https : //www.experian.com!

To the best of my knowledge this is a scam and now they have all of my vital information. It is my belief that consumers should be forewarned about their risky business practices online and I feel violated. 
Thank you for your time and kindly advise me how to terminate this online contract.

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 2020-02-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
~XX/XX/XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
XX/XX/XXXX : Sent contract to Loan Officer XXXX XXXX. Asked to apply for Conventional Loan. XXXX advised that XXXX qualifies for FHA loan and we should try that first because of lower closing costs, lower interest, lower monthly payment. 
XX/XX/XXXX : XXXX collects {$350.00} for appraisal fee. I request to put a rush. He agrees. 
XX/XX/XXXX : Still no call from appraiser. I escalate the request ; no call back from supervisor. 
XX/XX/XXXX : Processor is waiting for FHA addendum before ordering appraisal. I provide it upon request. 
XX/XX/XXXX : inquire if appraisal has been ordered. XXXX XXXX Loan Processor says there is an existing FHA case number with XXXX XXXX XXXX that needs to be transferred to Key. 
XX/XX/XXXX : no response from Key ; I request to cancel the application and refund appraisal fee. Supervisor XXXX XXXX reassigns the case to a Senior Processor XXXX XXXX, and puts a rush on the file. She explains that they must use the appraisal from the last FHA case. They overnight the {$350.00} to XXXX XXXX XXXX. The appraisal comes in a week later. XXXX agrees to issue a conditional commitment contingent on the appraisal as all other conditions have been met. 
XX/XX/XXXX : XXXX XXXX asks for college transcripts, letter of good standing with XXXX XXXX. Knowing he has a 1-year work history and was a XXXX XXXX XXXX in XX/XX/XXXX, ( which would disqualify the borrower from FHA ), she confirms the check was sent to XXXX XXXX XXXX. 
XX/XX/XXXX : The FHA loan is declined because the borrower does not have a 2-year work history. XXXX works to convert to conventional loan. XXXX tells me there will not be another appraisal fee. 
XX/XX/XXXX : The appraisal is put out to bid. No updates on appraisal for a week. 
XX/XX/XXXX : A third manager gets involved and tells me the file was not in " rugh '' status until she just became involved. 
XX/XX/XXXX : We are informed that XXXX XXXX put a hold on the appraisal on XX/XX/XXXX due to lack of payment, but she did not inform anyone. I am told by XXXX XXXX that the loan is at a standstill until the borrower send another {$350.00} to Key. 

We have obtained 3 mortgage contingency extensions. The seller is no longer willing to wait. Key Bank is not processing the loan. 

I asked Key if all the other conditions are met satisfactorily before sending additional funds. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: FL

Complaint narrative:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NV

Complaint narrative:
A mix up with an arrangement of when to take the payment out of my bank account. 

I had made previous arrangements with them and they still dinged my credit as late. I have not been late on a payment to anyone for over 3-years. It affected my score by 100+ points.

The information on their website under my account and arrangements made do not match. You have over a 20-minute wait to speak with an representative and when you request to speak to a Supervisor you are told they do not have one. If you push further, they then state one will call you back. It never happens.

I called again today and their is additional errors on my payments. After waiting for 25 minutes and being hung up on, I was told that they are upgrading their software ( XX/XX/XXXX ). They did not take out the payment today and I was told that it will take up to 60-days to rectify and then not sure. This will probably make another show of being late. I can not keep doing this. It always like a joke to the person you are speaking with. 

It is very stressful ... I am XXXX years old on Social Security XXXX  and do not need this additional headache or problem. It severely affects my health and well being. 

I need Lending Club to take off the erroneous late payment to all 3 bureaus. 

I will never get a loan off the internet again ... It shows the corporate in XXXX XXXX ... 

How am I suppose to keep up with what they consider business as usual ... the only thing they have accomplished is to ruin my credit score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Solutions have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/2020, I applied for a Chase Slate Credit Card based on the attached offer I received in the mail for a 0 % introductory offer and 16.49 % variable rate thereafter. The deadline to apply for this is XX/XX/2020 as noted in the attached. I initially tried to call Chase bank to apply for this but was advised by Chase that I had to go online to apply. I logged into my account and applied. I also requested a balance transfer. I was notified about a day later that I had been approved for the credit card and the balance transfer. When I received my credit card in the mail ( last four digits XXXX ), the terms stated that my variable rate after the introductory rate would be 25.24 % instead of what I was offered XXXX see attached terms and conditions received with the approved card ). Needless to say, I was alarmed and irate. I visited a Chase branch on Tuesday, XX/XX/2020 in hopes to have this corrected. The representative was not able to address my concern but made a phone call to Chase Credit Cards and spoke with a XXXX XXXX who failed to assist and suggested that I go to my account online and send Chase a message about my concern including uploading the attached offered. This further angered me as I could not understand why that was any different from me visiting a Chase bank with documentation in-hand demonstrating that Chase used a bait and switch tactic to swindle me into a much higher interest rate than I was offered. I am frustrated with this and I am requesting that my interest rate on my credit card be revised to the 16.49 % offer I was presented. I do not wish to receive the run-around from Chase trying to get this corrected as this is clearly a flagrant misrepresentation on Chases part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX  XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This is my 2nd complaint filed for this same issue. DIVERSIFIED CONSULTANT a debt collector is trying to collect a XXXX Debt that does NOT belong to me. In my previous complaint of the same nature ; I was advised to send XXXX a Identity Theft Affidavit. This was submitted last year and the item removed from my credit reports. Now, for the 2nd year, XXXX is trying to collect on the same debt. The Debt is in the name of a XXXX XXXX and my name in XXXX XXXX. I NEVER had a XXXX account or PHONE SERVICE. I was a 20yr XXXX XXXX XXXX customer and now a XXXX customer due to my employments extensive discount. Please HELP ME! XXXX needs to be held accountable for their BAD service and DIVERSIFIED CONSULTANT needs to stop harassing me and ruining my credit that I worked so HARD to keep at a good level. This has gone on TOO LONG and I have now FILED at the FTC complaints against XXXX. PLEASE MAKE THIS STOP!!!!

Company response to consumer: Closed with explanation