vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: IL

Complaint narrative:
On XX/XX/19 I spoke to a rep from XXXX XXXX  named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX Bank account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX  to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: SC

Complaint narrative:
I need fraudulent addresses removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX Remove the fraudulent telephone numbers. 

( 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 2019-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Onemain financial llc. 
They approved me for a great loan and after doing a hard pull on my credit everything still looked great. As I was filling out the forms I got a call from onemain. The representative asked millions questions and everything seemed fine until I mentioned I had a paid off motorcycle which they then decided to tell me it was a collateral loan. 
This is not what I was approved for originally and not what I wanted and they did a hard pull on my credit. This complaint is using misleading tactics to pull in people who desperately need money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/XXXX, I paid the first installment of a 7 year interest only ARM with XXXX XXXX on my home. Over 7 years the mortgage passed through 2 other institutions, the last of which was JP Morgan Chase. 

By letter dated XX/XX/XXXX, I was notified by Chase that after 84 payments, my rate would adjust from 3.125 % to 5.125 %, effective XX/XX/XXXX. 

you had a 84 month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change. The payment due on XX/XX/XXXX will be the first payment at the new amount. ( Letter attached. ) On XX/XX/XXXX I sent my final payment at the 3.125 % rate - {$540.00}. On XX/XX/XXXX I received a letter from Chase saying that my XXXX payment was {$350.00} short. I called Chase to tell them that I thought they were mistaken. If my first mortgage payment was in XX/XX/XXXX, then my 84th payment should have been XX/XX/XXXX 7 years later as stated in their letter to me. Twelve payments a year over 7 years is, by my calculations, 84 payments. I asked them to please send me a letter accurately stating what they were asking me for. I never heard back from them. 

In XX/XX/XXXX I refinanced my mortgage with another institution. When I got the final numbers for that closing, there was a charge to me in the amount of {$350.00}, which I discovered was the amount Chase claims I owed them for the adjusted mortgage rate in XX/XX/XXXX. I contacted Chase again and asked them to please explain to me why a 7 year term I began paying in XX/XX/XXXX would run through XX/XX/XXXX. ( I attach p. 1 of XXXX XXXX Interest Only Period Adjustable Rate Note stating my payments were to begin XX/XX/XXXX. ) I asked Chase to either explain why I was being asked to pay an additional month or to send me a new letter stating the terms accurately or at least more clearly. If Im wrong, please tell me how Im wrong. They just kept saying I was paying a month ahead. But the letter says the money was due in XXXX thats when I paid it. And I made 84 monthly payments. I asked them to please send me a letter explaining how or why they now wanted the payment in XXXX. I was told there was nobody at Chase who could send me a letter they didnt have anyone who did that. Huh? I understand that Chase is the largest bank in the U.S. and the sixth largest bank in the world and they dont have anyone who can send me a letter explaining more clearly how they calculated the payment on my mortgage? 

Nobody has responded to me since. I would appreciate someone explaining to me how a 7 year loan term with 84 monthly payments runs from XX/XX/XXXX though XX/XX/XXXX. Or I would like a letter that accurately and clearly states why they took money from me in XXXX for a payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/2019 I closed on a cash out refinance with Quicken Loans. Out of the cash out refinance proceeds an IRS lien was to be paid ( {$48.00} XXXX ). The IRS provided clear instructions on how to mark the check and make successful payments in accordance with their provisions ( attached. I was assured that the payment would be sent. The turnaround time would be about 5 weeks. 

On XX/XX/2019 I contacted the IRS to learn whether the IRS had received the payment. XXXX tracking revealed that the payoff check had been received on XX/XX/2019 at XXXX. 

On XX/XX/2019 I contacted Quicken Loans to find out whether the IRS payoff check was deposited ; it was not. I was told that they would void the check and reissue. Thereafter, I asked whether my taxpayer ID ( social security number ) was included on the check or the payoff letter ; it was not, as required by the IRS. 

On XX/XX/2019 Quicken Loans advised me that they would not void the check because the IRS charges a fine for processing a check that is later dishonored. Quicken advised that any fee for stopping payment and correctly reissuing the check would be passed on to me. However, I relied on Quicken to correctly follow the instructions of the IRS. I offered to take the check into the local IRS branch, and was again told I would bear the responsibility of the penalty if they were to issue one on a stop payment. 
( continued on additional page ) I again reached out to Quicken Loans who pointed to the disbursement disclosure as a defense to what appears to be incompetent handling of the payout to the IRS. However, nowhere in the agreement does it say that Quicken Loans, or any of its agents can send payoffs, not following instructions, and leave me liable for any potential fees or penalties as a result of their not following the proper instructions. 

Thus far all indications are that Quicken, and its agents are giving the runaround, where there needs to be resolution. 

I authorize you to speak to my XXXX, XXXX XXXX, who can also be reached by calling my number. He helped me with all of the paperwork concerning this loan. I very much would like your assistance in helping me usher a resolution. Thus far, it seems like Quicken is shrugging its shoulders. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
About one month ago I noticed a {$50.00} charge that turned out to be a recurring charge that was not done by me nor authorized by me. I contacted Capital One and spoke to a representative who assured me that the charges which had been occurring against my card to a place called XXXX would be stopped because she would cancel that card and send me a new one. She also assured me that all those {$50.00} charges I would not be responsible for since it was fraud. Two weeks later I did in fact receive a new card and called to activate it, put it in my purse and assumed that was the end. Today XX/XX/2019, I received a new statement which I was horrified to see the charge continues to be there. I was very upset so immediately contacted Capital One again and I explained that this should have been taken care of and the gentleman I spoke to seemed really confused said he would do everything he could to help me but kept talking on and on about nothing that made sense. I kept telling him I got a new card so how could this happen and he asked me you actually have the plastic with you? I thought that was a strange question and I began to get impatient with him so he transferred me to someone named XXXX after putting me on hold at least 3 times. When XXXX comes on the phone he said he would cancel the card for sure but that I would have to wait 90 days to see if they would remove the charges from my account. I was furious. I told them that it was not a charge that was mine so why do I have to pay the price for their negligence ... .this was not my charge but yet they wont remove it from my account or the accumulated interest on that charge ... .I never heard anything like this. I am appalled that they could do this to unsuspecting customers. I told him that the right thing is for them to remove those charges immediately plus accrued interest charges and he told me no they would not do it. Is this legal? Please help. 

They could not answer the question of why they sent me a new card and the charge still showed up on the following bill. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I have a couple of different loans through the loan company Navient, any time my payment is more than a few days late, they begin calling. They call from a variety of numbers, from various area codes. It hasn't been bad, until today, when I received Eight calls in a 24 hour period ... I would argue that it is harassment. I have since blocked their number, and tried to call them regarding the number of calls. They were closed, but the time I called them back. They have left voicemails in two of the last 8 calls. I'm curious if this meets the standard for harassing phone calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: NV

Complaint narrative:
Theres an account ; XXXX XXXX XXXX that's not mine.

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 2019-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account. 

I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
My uncle living in Florida got a call saying that I will be arrested and prosecuted if I do not pay a debt with ace cash express back that I am already working with them with. 
He gave me the phone number which is XXXX and a case number XXXX Im not sure how they got ahold of my uncle or how they found out his phone number when even I dont know his number. 

I called the supposed collector, they asked for my social security number, address, date of birth. 
They told me I need to pay over the phone with a visa or MasterCard right now or schedule automatic payments. If I did not comply I will be arrested and taken to court. 
They then forced me to give a card number and said if the payment does not go through this coming Friday XX/XX/19 then I will have police at my door to arrest me. 

Ive never gotten any paper work, any summons or any notice of debt. Im honestly terrified for my life rn

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is intentionally holding " extra '' monthly mortgage principal payment and deceptively crediting this " extra '' monthly mortgage principal payment one month later even though Lakeview Loan Servicing ( a.k.a XXXX ) receives this customer payment as one-full payment for a specific month. Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is profiting from this activity because it is intentionally charging additional interest to all of its customers. Lakeview Loan Servicing , LLC ( a.k.a. XXXX ) is violating federal mortgage servicing rules ( i.e. the Mortgage Servicing Rules under the Truth in Lending Act - 12 CFR Part 1026 - Regulation Z ).

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 2019-09-18 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: NV

Complaint narrative:
Theres an account ; XXXX XXXX XXXX that's not mine.

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 2019-09-18 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: NV

Complaint narrative:
Theres an account ; XXXX XXXX XXXX that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!

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 2019-09-18 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have over 30 hard inquiries on my credit report that I did not apply for. Some one applied for credit without my knowledge. I am outrage and upset because this have dropped my credit tremendously!!!

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 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am not aware of this agency and have not entered into contract with them in any capacity. Please remove the negative remark from my credit 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 2019-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My complaint was about the Quicken Loan Inc.A single home in four unit residential properties that the land lord was occupied or living in that four unit residential housing.actually they made that transactions w/out nothing concerning me from shopping to closing period.Ive never saw some documentary or copy of agreements? HUD and HELOC knows what Im talking about right! Im a victim of Identity theft being nightmare on elm street.How you can help me for this kind of hiding transaction or documents agreement that was I supposed to be have copy!

Company response to consumer: Closed with explanation