vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
Key 2 recovery was hired by XXXX XXXX to collect a debt. Key 2 recovery added {$1600.00} to the balance stating that's what they charges and so that amount has to be paid. They are now reporting to the credit bureaus

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I'm attaching an email I received from Paypal in regards to holding a payment that I am rightfully owed. I posted items on XXXX, a person purchased my item and immediately paid via paypal.. 

Paypal believes it's in the right to hold funds for 21-30 days ... I challenge this right and demand my money, as I have released the purchased item without any security of payment deposited into my acct.. 

I also want to confirm, the direct deposit checking acct the payment should be depositied as : Routing Number ( last 4 ) XXXX Acct Number ( last 4 ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: OH

Complaint narrative:
I was never join with XXXX XXXX auto loan, idk why its on my account can you please remove it from my credit report asap thanks

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: MI

Complaint narrative:
XXXX has been hounding me for years about a account that's not mine in the amount of {$58.00} for the XXXX. I want it removed I keep disputing it but it remains. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/18 a reservation was made for an event to be held by XXXX XXXX on XX/XX/XXXX and a deposit paid in the amount of {$2500.00} On XX/XX/XXXX the reservation was cancelled via writing and the company was informed. 

The company refused to cancel the reservation and started to threaten me. I called the Vice President and asked for reason for this kind of unprofessional behavior he also threatened me and said this was non cancellable. There was no such declaration made to me, specially since the event was over 30 days in the future .I informed AMEX immediately and they put a hold and reversed the charge. Yesterday AMEX informed me they had charged back the amount. I have not attended the event because AMEX told me this would be resolved. Now what should I do? XXXX XXXX has provided an unsigned agreement saying that the event is non cancellable but I have never seen this agreement nor signed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I have made multiple calls to FCI Servicing ( Loss Mitigation through XXXX XXXX ) regarding the debt that was discharged through bankruptcy back in XX/XX/XXXX together with the House being foreclosed on XX/XX/XXXX. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.

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 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To whom it may concern, I would like to escalate a matter that could be perceived as mortgage fraud by Shellpoint Mortgage Servicing. My property address of XXXX Florida was considered a Federal Disaster Area. I applied for a Forbearance Plan in XX/XX/XXXX with my previous servicing company XXXX XXXX Loans. The plan was accepted and put into action effective for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage payments. I have attached a copy of the modification documents in this email. 

Trial Modification Dates I was placed into a trial modification ( see attached modification documents by XXXX XXXX Loans ), and was told to make on time payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. You will see my attached payment history from XXXX XXXX Loans showing all payments were made on-time except the payment history excluded a payment I made on XX/XX/XXXX. You will see attached to this email proof of payment and XXXX XXXX Bank Statement proving that I made a payment on XX/XX/XXXX. 

Change in Service Company My loan was purchased by Shellpoint Mortgage Servicing from XXXX XXXX Loans in the middle of my modification. 

Credit Report Inaccuracies My credit is showing rolling 90 day late payments that must be removed. Florida Law states skipping a mortgage payment during a Federal Disaster Area Forbearance plan cant affect your credit. This situation has damaged my credit report badly. 

Consumer Financial Protection Bureau I am submitting my complaint for this matter to Shellpoint and this agency in hopes of an immediate resolution. I expect that my loan will be modified with my payments being added to the end of the loan, and I want my credit report cleaned up as well. 

You may respond by phone or email. I have left XXXX XXXX ( Rep for Shell Point ) several messages and written many emails, but she has refused to reply to me. My next course of action is a law suit for mortgage fraud and inaccurate credit reporting. I have provided all the evidence you should require to clear up this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 3D Financial, LP
State: AZ

Complaint narrative:
fbi is involved and cc the matter- even thru fed reserve. 
teken for over 5K in a ponzi scheme ( take take take but real earnings ) on a business. My partners dont understand what that means. I was CFO and CIO, not a sales clerk. I was repeateedly harassed about my role in the company. My personal funds were coerced out of me before my personal and the business leases were due- leaving me with nothing month after month. no one else signed their name on the biz lease- I terminated it via use of police force and contacting the owner directly. I was promised XXXX the down payment and lease for 1st mo. I have yet to recieve it nearly a year later. A wire, the money order was attempted, then not paid to me upon request. Then the money was recently spent n a  car which shouldnt even be on my mothers property. Always involves my mother- who is not a part of the board of the company. Ive had lawyers throw me certified letters in service attemps when they have no business law experience. These individuals will do anything to rip people off. I want my money ( moreso my car title ) relinquished immeadiately. The debt comes from my partners- its not my mothers   responsibility. car title note ws for business- and 3d fin will not allow dispute, redaction, or comply w fraud statutes. continues to extort me for money, trying to stop tag renewal. Im out of state-if tags cant be renewed, the car vanishes when they expire. I wont get it back. I have to sell the car but I should have my title back FIRST. If forced to pay- the ripoff total rises by the exotrtion amt that 3d fin adds. biz docs are packed in local XXXX XXXX XXXX XXXX up the road.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018, I sent a dispute letter to Experian. They never responded to that dispute. I sent another letter on XX/XX/2018 telling them they failed to respond between the 30 days stipulated by law. I called Experian several times and they couldn't answer why they didn't respond to my dispute.

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 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
sca collection XXXX inXX/XX/2012 is trying to collect a debt from me I don't know where this came from ive disputed this debt serval times and I need this to be resolved. ive sent forms to the credit agencies and they haven't giving me proof that this is mine please help me with the issues. 



I also have an inquiry that was issued on me called XXXX   an inquiry that I did not authorize. I don't even know where that inquiry came from. can you help me figure these out and remove from 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 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Applied for and approved for Capital One credit card. Received card and account was restricted pending additional documents because of suspected identity theft. Called Capital one on XX/XX/XXXX or XX/XX/XXXX to help get ID submitted. They provided a new link via email and instructed me to take a picture with case number by picture. Submitted picture and called on XX/XX/XXXX to check on status at which point was told account was permanently restricted. Offered to send any other document they needed to verify identity such as a bill or W-2 and they refused to help any further. I originally submitted a state issued Alabama driver 's license as requested. They said the account would remain on my credit regardless of whether the account could be used. In my opinion, they should not have issued and sent the card if they suspected identity theft and also should have allowed me to send additional documentation to prove identity, which I would have gladly done. They should remove account from my credit report if they are going to refuse to help me clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage loan was sold to Fifth Third Bank. Two months after loan was transferred I receive notice that my escrow is almost {$2800.00} overdrawn. I contacted the Bank via phone and was promised a reanalysis. This was supposed to be completed 1 week ago, but I still have not heard anything. My attempts at contacting them by phone and on-line have been rebuffed as they are constantly telling me my info ( loan #, SS # ) is invalid or my registration can not be completed at this time. I have spent several hours on this and am very upset that their automated systems prevent me from talking to anyone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
XX/XX/XXXX I contacted Mr Cooper loan services/ Nation star Mortgage LLc to investgatate as to why my home mortgage loan has NOT been reported to the national Credit Bureaus. After many hours of phone conversations, and finally a response letter from Mr Cooper XX/XX/XXXX, stating that they needed a filed reaffirmation agreement from my Chapter XXXX bankruptcy that was filed in the year of XXXX in order to report my loan to national credit bureaus. This company obviously reaffirmed my loan, as I have been making them payments for years. 
My last conversation with a Mr Cooper represenative XX/XX/XXXX, and said that they will absolutely not report my loan status to reporting agencys without a reaffirmation letter. My bankruptcy attorney sent a letter to me, and the lender stating that the judges in this district Do Not do affrimations of mortgages, and there is nothing that they can do at this point.

Mr. Cooper/Nationstar Mortgage has repressed my credit scores, and financial abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
this debt that this company has me down as owed is fraud I did not make any purchase nor did I use the account in question .the amount owed is not valid nor is this account.please help me resolve this .please help me to get this off my credit

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 2018-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Early this year I received a notice that was sent to my daughter 's home in California from the XXXX. XXXX XXXX XXXX that said I had to retroactively file a XXXX XXXX Tax return and pay {$1100.00} by XX/XX/XXXX for tax, penalties, interest, and fees-see attached. I sent it to my CPA along with a power of attorney and she wrote the CA XXXX to inform them them that the address in XXXX was not my residence and that I was a resident of the state of Hawaii since XXXX -- see her attached certified letters dated XX/XX/XXXX and XX/XX/XXXX. Then, in checking my online banking on XX/XX/XXXX, I noticed the following ; XX/XX/XXXX LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} {$48000.00} Expand XX/XX/XXXX LEGAL ORDER DEBIT - CONTACT FRANCHISE TAX BOARD ( XXXX ) XXXX - Case # XXXX {$1500.00} I contacted Wells Fargo to dispute this and they said it was a " legal order ''. The finally sent me what the CA XXXX sent as their " legal order '' see attached. I contacted Wells Fargo legal dep't. and even their Executive offices and sent a letter referencing Wells Fargo XXXX # XXXX -- see attached. 
In essence, they robbed me and I'm certain violated Federal Banking Laws as I have no California income and the XXXX address is that of my daughter and her husband and isn't listed anywhere on my personal bank account, I have never been to their home/that address, and for Wells Fargo to honor this ridiculous Debit Order which in no way ties me to any California address and is not listed on my account, plus my having been a legal taxpaying resident of the state of Hawaii since XXXX -- -not to mention the XXXX 's fraudulent listing of " estimated income, etc. is bank fraud

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 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Earnest Inc.
State: CO

Complaint narrative:
I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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:
Hi cfpb I have complaint against Experian. I have did all I can to have them to remove anything that's inaccurate I have gotten no response from Experian under section 609 if it's doesn't belong to me it must be removed and if it's been 30 days no response it must be removed or else it's a violation and a fee of {$1000.00} per each. I am reaching out to please have them removed my Experian report it's been 30 days no response it must be removed under the statue of limitations. This is causing me emotional stress because I did all I can do and I they just voided me with no response.

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 2018-10-05 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: CA

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need Equifax, XXXX, and XXXX to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.

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 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida

Company response to consumer: Closed with explanation