vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My home at XXXX XXXX XXXX, XXXX XXXX, Fl is owned by me free and clear. There is an unknown Social Security Number with my name and an account number listed with Select Portfolio Servicing , Inc ( SPS ). They claim an old loan associated with XXXX  XXXX XXXX, XXXX. REMIC trust of XX/XX/XXXX, specifically, XXXX XXXX XXXX, that no longer exists, investors ( beneficiaries ) sued and won their lawsuits. There are no beneficiaries due money. My mother passed on in XX/XX/XXXX. I was added to the General Warranty Deed in XX/XX/XXXX. In XX/XX/XXXX, my mother was already deceased for 3 years. Its upsetting and criminal that an unknown Social Securty is linked to my name and home. Im not able to verbally communicate with SPS since my Social Security Number doesnt match their records. They transferred my home over to their REO section to sell. I previously filed bankruptcy because of identifying theft. My home was listed as an asset and was not contested. I have a Florida Homestead Exemption for Veterans. I contacted XXXX XXXX, XXXX. as trustee, and they claim no knowledge or interest in my property. I have no account or anything due them. I was told to report this scam.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a secured credit card via XXXX from XXXX XXXX XXXX XXXX. I have had this card for over a year, missed no payments and have been an excellent account holder. They did not allow me to transition my secured credit card to an unsecured credit card as the terms and conditions stated. I surpassed 6 months of timely and responsible account handling quite a while ago. I should mention my US Bank secured card ( also part of XXXX XXXX XXXX ) did transition me to an unsecured card several months ago. There should be consistency among branches of the same bank ( XXXX ) and they should uphold their terms promised by XXXX when a customer opens a secured card.

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MA

Complaint narrative:
XXXX XXXX XXXX is over charging me after breaching out a contract. 
I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. 

So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( XXXX  ), XXXX XXXX/XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX, AcctXXXX  ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX. Transunion ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX. Transunion ).

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( Equifax ), XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX ), XXXX   XXXX, AccXXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Equifax. XXXX ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, Equifax. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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: TX

Complaint narrative:
It has been brought to my attention that DCI has input a collection account in the amount of {$1500.00} representing XXXX XXXX. I have never done business with DCI nor XXXX XXXX. I am a victim of identity theft and theses accounts are a result of identity theft. I have no obligation and never have had any obligation to pay XXXX or DCI. There is no contract bearing my signature nor is there any contract at all that I have signed to receive services from DCI Or XXXX. I am livid that DCI inserted this fraud alleged account onto my credit file. I have never received anything from DCI stating that I owed them anything and I was not given the chance to dispute this account before being inserted. How can I owe something to you and Ive never dealt with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened BMO Harris Premium Rewards credit card on XX/XX/18. 
It was advertised that I was supposed to get XXXX points ( {$300.00} value ) after spending {$2500.00} within first 3 months. I have met that requirement, but never received this bonus. 
When I contacted the bank they closed my card for no reason and responded that I couldn't get bonus because my card was closed. I have not violated any rules and met the bonus requirement, so I consider their decision a violation of their advertisement. I suspect they closed my card simply to avoid the bonus payment.

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 monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month  of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is  saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I was asked if the appraiser could come on the property and in the house, I said yes. 
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me in this matter.

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 — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC
State: AL

Complaint narrative:
I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX  of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX   report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX. 

I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely. 

I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me. 

I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report. 

On my credit report they list themselves as : XXXX - XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company disputes the facts presented in the complaint
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks  on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.

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 — FHA mortgage
Issue: Closing on a mortgage — 
Company: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX

Complaint narrative:
We were asked to leave a {$500.00} earnest money payment with XXXX XXXX XXXX XXXX, they took us to four different banks whom kept running our credit and mixing up our social security numbers. They told us we were approved we waited two months for the home to be completed with XXXX XXXX XXXX, XXXX sales person, who assured we would be getting the home.The preferred lenders XXXX obligated us to use, we researched that all the Builders in XXXX XXXX use preferred lenders forcing the borrowers to go with those lenders that did harm to us. The two months came and left, we have been waiting for over one year and almost 6 months, we finally asked for the {$500.00} back XXXX told us it was used for an appraisal, what appraisal we never got a report the house was never built we never heard back form any of the lenders, all the parties. We are looking at purchasing a home just not with builders they all want to take us to lenders we don't have confidence in any more.

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: CORELOGIC INC
State: CA

Complaint narrative:
There is a XX/XX/2018 record of an inquiry on my credit report which was made without my consent. The company name is CREDCO, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, which I was able to find out was XXXX XXXX. The only contact I have ever had with XXXX XXXX was when they called me to solicit a refinance in XXXX, CA. I already had a new loan on a new home purchase 3 months before and told them I was not interested. When they asked about checking my credit ( in order to convince me of a better deal ), I specifically told them " absolutely not ; I do not want you dinging my credit '' and " I will not be interested in the near future ''. They assured me they would not pull my credit, but continued to provide rate information for future consideration anyhow. I have tried to get a response to remove this from my credit, but the requests to contact me have been ignored. I have never applied or requested consideration for a loan with this company and want it off my 3 credit records as it affects my score negatively. I see many complaints online about the same issue with XXXX XXXX and hope this inappropriate behavior can be stopped or affected enough to reduce future instances. Thank you.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I have an account placed with XXXX XXXX XXXX. I have had a payment plan set up with automatic payments ( {$180.00} ) deducted from my account on the XXXX if every month. Midland has all of the sudden  stopped deducting the payments- this is the 2nd time they have done this, resulting for my account to reflect late or negative payments and accrued interest. I have never requested them to stop payments nor have I changed anything such as my checking acct number where the payments were being deducted from. I was also never given the right to dispute this. I have been diligently working on repairing my credit and this is an unfair practice that brings my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Payment made on XX/XX/XXXX on Chase credit card account in the amount of {$24000.00} was returned in XX/XX/XXXX Payment made on XX/XX/XXXX on Chase credit card account ending in XXXX in the amount of {$25000.00} was returned in XX/XX/XXXX. I am unclear how this is even possible when I have emails from the company I worked for authorizing the payments and they were clear for six months. The authorizing company essentially is stealing {$50000.00} from me and Chase Bank is helping them do it. 

I have emails and all documentation for everything. I am unclear why I keep getting the run around from the bank.

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: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I've had two loans through XXXX XXXX, and was recently informed that Flagstar bank was taking over these loans and the servicing. It is now XX/XX/XXXX, and my payment is normally deducted at the beginning of the month. I had assumed this would be an automatic process / transition. I have reached out to customer service but yet to hear back. I would like to ensure that I do not get charged any late fees or have my credit rating tarnished because of the incompetence of the new loan servicer.

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: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D2 Management LLC
State: FL

Complaint narrative:
On XX/XX/18, I received a phone call asking to speak XXXX XXXX. That is my maiden name and has been changed for almost 14 years at this point, so that was the first thing that made me think this call was phony. The person on the phone said that there was some paperwork they are trying to get to me and asked me to confirm an old address. I figured the call was about old debt that is past the statute of limitations, I should have played XXXX  and got them to break more laws, but instead I asked them to provide me the address to send them a cease and desist. The fellow refused to provide the address and I requested to speak with the manager. XXXX then got on the phone and played bully. She refused to give me the address unless I confirmed my information which is illegal. I advised her I manage a XXXX XXXX and she then doubled down on her message. I asked repeatedly for the address and she flat out refused giving all the old school collection tactics I thought have been retired. 

I think the company is D2 Management LLC, the rep said D2M was the company name.

Company response to consumer: Closed with explanation