vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC.
State: UT

Complaint narrative:
I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX   and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. 

The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. 

ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.

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 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: AZ

Complaint narrative:
Car Loan for XXXX XXXX XXXX XXXX vin # XXXX with KEY BANK Loan # XXXX was paid in full after we moved from XXXX XXXX to XXXX  We have requested the title but KEY BANK is saying they sent it to our old address and don't have it saying it's not their responsibility. 
We just received a lien termination letter which is no a TITLE. 
Without a title we can not register the car. 
Without a title, we can not sell or trade the car. 
We paid off the car in good faith and the bank lost the Title and is saying it's not their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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:
Everything was removed except for four accounts that were also listed on uploaded FTC report.

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 2019-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My mortgage line of credit is in foreclosure but there is no sell date. About 6 months  I started asking Bank of America for reinstatement. The monthly payment was around $99.99.They sent me documents to fill out for mortgage assistance and I sent them pay stubs, mortgage information, tax information, etc.Yesterday, my representative XXXX XXXX told me they needed the information all over again that I had provided. I feel Bank of America is stalling to justify the Attorney fees and to keep adding on monthly charges. The defaulted amount is $XXXX XXXX, but they want $ XXXX in fees for a total of $XXXX. (This documentation is included in this complaint). Please investigate and find out what is going on.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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
For the past year had a mortgage with XXXX wholesale mortgage and never had a problem. My loan was sold to Loancare without notice. My employer was making my mortgage payments for me due to medical issues and sent in a payment XX/XX/XXXX for XXXX. I was told there would be no late fees for 60 days due to the sale of my loan. I had my employer send in the loan amount that I had paid for the past year because I had received no notice of increased amount. Loancare applied the payment to XXXX ' bill instead of XXXX, even though XXXX ' bill was not due until XX/XX/XXXX and I had been in communication with Loancare, noting on my account about my employer paying the amount and that it would be a little late because I had no documentation provided by Loancare to submit to my employer in order to pay the bill. Loancare is now saying that my monthly loan amount has increased over 100.00 per month, when my property taxes have stayed the same and my insurance has only increased roughly 12.00 per month. I have read many complaints as to the mishandling of loans by Loancare and every time I contact them, I get a different answer. I am now considered " in default '' of my loan because they refuse to send me a breakdown of the costs verifying that what they say is true.

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 2019-08-23 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I made a disputed against a collection item - XXXX XXXX  apartments - collection agency: u.s. collections west, inc. - but it is showing in my report that I am responsible and owe the balance XXXX - my dispute against this account was approved and the collection agency confirmed it shows that I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items 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 explanation
Consumer complaint received 2019-08-23 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:
XXXX ; Experian and XXXX  are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items 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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Aargon Agency, Inc.
State: NM

Complaint narrative:
I was checking my credit report and there was an account that had information that doesn't pertain to me. Also I have proof where I was at when this account was made.

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 2019-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 I send a Letter to Santander Bank requesting all accounts associated with my social security number XXXX be closed and all monies be send to my current address. I enclosed a mortgage statement as proof of address. 
I am dissappointd because the Santander Bank refuse to close my account. I was told to go to a local branch. There are no branches where I am currently residing. 
I am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can benefit from direct deposits into my account.

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 2019-08-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-08-23 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: NY

Complaint narrative:
Investigation did not fix error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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:
Waiting on removal of items on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am making additional payments and they are just prepaying future months and I receive bill saying I do not need to make payment ( owe {$0.00} ). I want to pay monthly amount and extra to principal. They show me prepaid into 2020. 

I have contacted them several times. The billing is engineered to discourage extra/early payments. It is not allowing me to make extra monthly payment in a reasonable way.

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 2019-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-08-23 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My wife and I relocated to Georgia 1.5 years ago. For 9 months we've been out of a kitchen & laundry room ( insurance claim ). 

For the past 2 months we have been working diligently with Mr. Cooper to take action on the necessary steps required to have funds released for our contractors to complete the repairs and every single time we provide them with what they need, they change their tune and add additional requirements. 

We have spoken to Mr. Cooper at least a dozen times and they assure us every single time " that's all they need '' ... until it's not. 

Quite frankly, I believe what is happening is they are holding on to the roughly {$40000.00} to profit off of our hardship. 

This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: MD

Complaint narrative:
I have been asking for Experian to remove inaccurate information on my credit report. They are reporting misleading and incorrect information. For XXXX lending account # XXXX .. they have it is a charge off account when indeed it is not. For the XXXX XXXX, Account # XXXX they have that I have 1 month terms for an account that is in collections but the oc is still holding the debt. Which is inaccurate. They have account date opened in XX/XX/XXXX but never reported the the history for XX/XX/XXXX year. Where is the rest of the information? XXXX XXXX Account # XXXX has not been verified. I have reached out to the original creditors and they arent even able to provide me the information that I want to verify my own account. I have asked that they remove the negative items or verify the information under section 611.  They have failed to verify anything. I have not received any copies of my original contract and signature. They have continuously reported inaccurate information for over 1 year now. I am asking that they verify the accounts immediately with my original contract and signature under section 609 of the FCRA law and if not they need to remove it. I am also asking that they provide a sworn affidavit stating that they followed the law verifying all accounts. Furthermore, if they do verify these accounts. I would like to know each person they spoke with, the time and date and all copies of any documentation they have to support the accounts they have continued to verify.

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called in mid XX/XX/XXXXto cancel my CC since the annual fee had been assessed by the bank. I was given a offer to downgrade the card to a no annual fee card which would result in the fee being waived. I accepted the offer. 

Two weeks elapsed and I had not received the new card nor was the annual fee waived. I called back in early XX/XX/XXXX and was promised that within next 5 days the fee would be waived and I should also receive a refund of the fee during that time. 

I still did not receive the fee refund or card so I called back on XX/XX/XXXX and spoke with supervisor ( XXXX ID : XXXX ) and she created a case ID : XXXX for the back end operations to look into it and review the call logs so that the fee can be reversed. 

I was asked to check back on XX/XX/XXXX and I called as requested but could not speak with a supervisor. I finally connected with a supervisor today and weas informed they can not waive the annual fee. I requested that the card be closed and the only balance outstanding on the card now is the {$59.00} annual fee. 

I am not legally obligated to pay this fee but want to make sure my credit report is not negatively impacted due to mistakes committed by Capital One. 

I would like to review a copy of the call logs myself if they are so confident that the commitment was never made to remove the annual fee. I need copies of both the XX/XX/XXXX and early XX/XX/XXXX transcripts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2019, I submitted a XXXX complaint regarding my balance. When the responded on XX/XX/XXXX, XXXX XXXX sent me a password protected document. When I opened it, it was someone else 's information including name and loan information. I responded back inquiring for my info and she said to delete that right away and sent me the correct document. My document has the same password and it has my Social Security Number! She said my info was not sent to anyone but had no way to prove this information. I asked for a supervisor and submitted another XXXX  complaint as I was brushed off. The same day, XX/XX/XXXX, XXXX XXXX emailed me saying nothing was sent to 'the other individual ' and brushed me off. What about the possibility if was sent to any other customer? I dont know these people and he is not part of the IT team to tell me that someone didnt delete the emails and then proceed to 'claim ' nothing was sent to this person. Its easy to try and cover these things up and given their reputation, I'm sure they will never admit fault. They have caused me hours and hours of time calling credit bureaus, emailing them back and forth with no resolve except that they expect me to take their word for it! Even after saying I refuse to believe a stranger, he still says the same thing in his emails like I'm no one. I spent time calling lawyers, asking for recommendations, trying to get someone to listen as they take this as a laughing matter. I work with privacy act information and when something like this happens, we make it right. I deserve credit monitoring and something for all my time dealing with this. Had they done the right thing in the first place, this would be resolved by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a restaurant charge at a restaurant called XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. 

The charge was billed to me in dollars after I requested the charge to be in pesos - the local currency. The exchange rate  the restaurant charged was {$200.00} over the going exchange rate. When I asked multiple times for the correction, it was refused. I consider the exchange rate scheme to be FRAUD by the restaurant. 

I disputed the charge 5 times or more with CitiBank [ the issuer of the credit card ] and they refused to make an adjustment because they said that the charge was correct. I explained that the charge was not correct because they used a fraudulent exchange scheme. Citi refused to be helpful. I tried to reason with them and said that I would file a complaint with the CFPB and they offered me a {$100.00} settlement. I said that I would not accept the settlement because of the fact that the restaurant would get away with the fraud and that I was disappointed that the bank would not support its customer after I made the argument.

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 2019-08-23 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: SC

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-23 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.

Company response to consumer: Closed with explanation