vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I got served a Summons from the Attorneys of XXXX XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. 
I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of XXXX XXXX XXXX, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while XXXX XXXX XXXX is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: PA

Complaint narrative:
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : 1 XXXX XXXX   via XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Again this is not a duplicate complaint as I do not recognize the hard inquire on my reports as being legitimate and therefore it is a fraudulent inquire made by Quicken loan as they continue to exploit the spirit of the Fair Credit Reporting Act ( FCRA ). My complaint is factual as I never submitted a loan application, I never showed or implied interest in any of their loan products. I have not received any documentation from Quicken Loan that supports their position or justifies their over reach into my credit report and since Quicken Loan continues to try and brush me off I'm in the process of proceeding to the next level of my commitment in seeking justice and will proceed with filing a civil lawsuit with my attorney seeking punitive damages. 

If Quicken Loan feels they have complied within the governance of the law then please provide me with the full address of Quicken loans corporate office so that my legal representation may take the next step necessary in looking to resolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax leaked my, and hundreds of thousands of others ', personal information in XX/XX/XXXX. Initially I was concerned my personal information may have been compromised, along with so many others, but when my identity was stolen in early XX/XX/XXXX, I became sure. This is absolutely unacceptable and something needs to be done to hold Equifax and other companies accountable! Please do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-05-22 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: NY

Complaint narrative:
I rented a car from XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I paid for the rental on my Amex XXXX XXXX XXXX. I paid {$19.00} for Amex car rental insurance. I returned the car undamaged. The rental company alleged damage and charged my credit card an unapproved {$230.00}. I disputed the charge. Amex contacted the merchant and sent me an unreadable PDF document. I asked for a legible copy, but one was never provided and Amex closed the dispute. I then lodged a claim with Amex car rental insurance. I sent them all the documents in my possession, but some items - for example - an accident report and an estimate for the cost of repairing the damage - are not in my power to produce because there was no accident and no damage. 
I am in a catch 22 situation. The whole charge is fictitious and the insurance claim is being denied, and I am down by my {$230.00}. 
I attach a photo of the " damaged '' car taken at return

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: MD

Complaint narrative:
This is a complaint against XXXX XXXX dba XXXX, whose mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
In XX/XX/2016, XXXX XXXX dba XXXX issued me an online payday loan in the amount of {$750.00} with an annual percentage rate ( APR ) of approximately 662.68 % interest ; with repayment of {$230.00} every two weeks for 20 weeks. The terms of this loan which were laid out in fine print involved automatic renewal of the loan every few weeks, which made it virtually impossible for me to pay back the loan within a reasonable amount of time. 

Therefore, I solicited assistance from XXXX XXXX XXXX  and/or XXXX XXXX XXXX, a payday debt consolidation program. However, I withdrew from the program because the cost of their services increased my debt, there was no reduction in my debt and the timeframe in which they expected to settle the debt was not reasonable. I have revoked and hereby revoke XXXX XXXX XXXX XXXX XXXX XXXX power of attorney and they are no longer authorized to discuss this account on my behalf. 

At the time the loan was issued I resided in the State of XXXX  where I still reside for more than 30 years. It have been made aware that XXXX law requires all payday lenders including internet payday lenders that make loans to XXXX residents to comply with its provisions, including licensure provisions and rate caps. Pursuant to XXXX. Code Com. Law 12-101 et. Seq, payday lending in all forms, including online loans are prohibited ; and XXXX Law requires business and lenders be licensed in XXXX. 

XXXX XXXX dba XXXX is not and has never been a licensed business or lender in the State of XXXX which makes the loan issued void and not legal or binding.

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 2018-05-22 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: PA

Complaint narrative:
Hello, I have inquiries on my credit reports that I've never authorized. I don't have any accounts with these companies and these so called inquiries are affecting my credit score. Here 's a list of the inquiries that I didn't authorize. : XXXX XXXX XXXX  via XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need to remove these inquiries so my credit score may increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
According to the UNITED STATES SECURITIES AND EXCHANGE COMMISSION XXXX XXXX XXXX FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15 ( d ) of The Securities Exchange Act of 1934, Dated of Report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See attached XXXX. 

Mortgage Assignment from XXXX XXXX XXXX XXXX   to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX dated XX/XX/XXXX is invalid based on at the least these findings. 
A - According to the SEC Form 424B5 - Prospectus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cut-off Date was XX/XX/XXXX with a Closing Date On or about XX/XX/XXXX. XXXX XXXX. 
B - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX were sold to XXXX XXXX XXXX on XX/XX/XXXX. See Attached. 
C - XXXX XXXX XXXX XXXX  XXXX is the Depositor. The assignment of the note and mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rather than from the Depositor, violates the Pooling and Servicing Agreement which requires that the Depositor deliver to and deposit the original note, mortgage and assignments to the Trustee. Under XXXX XXXX Trust Law, every sale, conveyance or other act of the trust in contravention of the trust is void. XXXX XXXX. 
See Attached PSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I was called on XX/XX/XXXXin regards to a debt with a leasing company. When I initially got the letter I tried to call to set up a payment plan to get the debt payed off. No one ever returned my call. On XX/XX/XXXX I received a call from IQ DATA INTERNATIONAL. The rep stated that I had until XX/XX/XXXX to make the payment in whole or they would be forced to put the debt on my credit. I explained to her that I would not have {$1100.00} by XX/XX/XXXX and could I arrange To make payments to have it paid off by the end of XXXX. She told me no that they could not do that and that she would put a senior account associate on the call. The senior account associate asked me if I could write a check my phone for the full amount on XX/XX/XXXX and that they would cash it on XX/XX/XXXX. At that point I didnt feel comfortable so I asked if he would hold on while I called my husband. Once my husband got on the phone he stated that he could take the debt down to {$800.00} if we paid by the end of XXXX and my husband told him we wouldnt have it by then. He then proceeded to say that it would be considered failure to pay and it would go on our credit. I asked once again could we not make payments and he stated we couldnt and he hated what was about to happen to us. So at that point I got upset. I asked what do you mean what is about to happen to us. He said he was an at liberty to say. I asked was he gon na garnish our wages and he stated more than likely. I then asked him why would they just call and and want payment immediately like that. This is the first time they have tried to reach us. He then began to yell and he got very volatile with us and hung up in our faces.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: TX

Complaint narrative:
cra inaccurate information ftc filed

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 2018-05-22 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: IL

Complaint narrative:
Despite a written request to Experian that they are reporting inaccurte information on my credit file, Experian refuses to do a complete and accurate investigation. My last dispute to Experian was sent onXX/XX/XXXX. Experian received my dispute by certifed mail on XX/XX/XXXX. Experian has not sent me back a response within 30 days after receiving my dispute. Experian is reporting a Chapter XXXX bankruptcy in my credit files. I have never filed bankruptcy.

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 2018-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan in the amount of XXXX. I did so on my phone. When I applied, a truth in lending disclosure never loaded properly yet I was approved. I called the company on XX/XX/XXXX ( XXXX phone records are available ) and was told that my payment would be XXXX monthly. I tried to make an additional interest payment on XX/XX/XXXX and accessed my account online. The truth in lending statement was available to see at last AFTER I got my money. To my surprise, the APR was 497.621 % and there would be 13 payments of XXXX, not monthly. I called to complain and was told by the agent that they are a tribal government and immune to federal laws. The agent told me that I agreed to the loan terms, which I didn't, and then promptly hung up on me. 

This company has sold my information to other payday loan lenders and has filled my email with spam now. 

By failing to make me aware of the APR and not showing a functional truth in lending disclosure they are in violation and I want this company reported and for them to stop stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NY

Complaint narrative:
I am submitting this complaint about XXXX  credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on 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 2018-05-22 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: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on 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 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Contact Date XX/XX/18 EveryDay Checking - XXXX  Partian Loan Number *XXXX XXXX XXXX XXXX XXXX  , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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:
I am submitting this complaint about equifax credit reporting company. There is an account XXXX XXXX XXXX that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: AZ

Complaint narrative:
Debt never occurred Business is out business No refund policies Customer signed form saying no refund policies Company obtained social security fraudulently

Company response to consumer: Closed with explanation