vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Please put an extended fraud alert on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please put an extended fraud alert 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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Someone unknown to me has put me as an authorized user on their Capital One Cards and I'm demanding that I be removed from these unknown accounts at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Someone unknown to me has put me as an authorized user on their XXXX XXXX Cards and I'm demanding that I be removed from these unknown accounts at once.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Someone unknown to me has put me as an authorized user on their XXXX XXXX XXXX and I'm demanding that I be removed from these unknown accounts at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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: Westlake Services, LLC
State: DC

Complaint narrative:
I was recently hospitalized after returning from my trip to the XXXX XXXX. I was in the hospital for 3 months. During that time I was out of work. Westlake Financial closed my account without any warning and charge off my account. Now they are refusing to release my title. Not only did they cause issues with my employer Im dont have my case title. 

Im at the end of my loan, and theyve placed me in a hardship because of their illegal reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC
State: NM

Complaint narrative:
I keep receiving offers to apply for loans. I have not been able to opt out or stop the unsolicited offers. I have put a freeze on my credit. The last mailing was dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc.
State: NM

Complaint narrative:
I have continually request to be opted out of these unsolicited offers to apply. I put a freeze on my credit. I am offended that my information is being shared in the first place. I did not request to be contacted or directly agree to my information being shared. When I opt out of one, two more are sent. It's like cutting off a head of hydra. I would like all offers to stop and not repeat under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX PST FRS made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a XXXX XXXX   XXXX ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call FRS did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCodXXXX XXXX. 

On XX/XX/2019 at XXXX XXXX  PST XXXX from FRS contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect FRS to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX XXXX PST XXXX made initial contact with me on my cellular telephone number XXXX by XXXX who was attempting to collect on a Synchrony Bank Debt ( Acct. ending in XXXX ) in the amount of {$1500.00}. The phone call came from Telephone number XXXX. 

Violation 1 - On phone call XXXX did not disclose the call was being recorded at the onset of the phone call, but instead was well after the call started. This is a violation of Cal PenalCode 631-636. 

On XX/XX/2019 at XXXX XXXX PST XXXX from XXXX contacted me on my cellular telephone number mentioned above from XXXX. 

Violation 2 - I had previously asked on XX/XX/2019 to be contacted in writing only. This is violation of revocation of consent to be contacted by telephone under The Fair Debt Collections Practices Act And The California Fair Debt Collections Practices Act RFDCPA I do not know why this company insists on recording me without giving proper disclosures and why they continue to contact me after I have asked them not to. This is causing me a lot of stress and anxiety!! I do no know why I must spend so many countless hours trying to fix this companys mistakes. I am now represented by an attorney, but no lawsuits have been filed. I expect XXXX to reach out right away to my attorney XXXX XXXX to discuss the matter only. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) 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 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I refinanced my mortgage in XX/XX/2012, FHA loans are required to pay PMI Insurance until you meet certain requirements. Well one of the requirements is that your appraisal value has to be a certain amount and your loan has to be paid by a certain amount. I called Mr Cooper mortgage company to find out when will I be able to drop the PMI Insurance and each time I call I get a different answer from the workers. This time I spoke with XXXX XXXX and he told me that I have a {$0.00} appraisal value on my home and that I would have to keep PMI insurance for the life of the loan. When they took over the loan it wasnt a {$0.00} appraisal so how can it go from X amount of dollars to XXXX. This is unacceptable and I will not stop complaining until they fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: VA

Complaint narrative:
Equifax continually adds erroneous information to my credit report. Not only does this continuous practice affect my credit score but also my FICO score. In XXXX Equifax reported that I had an increase of {$570.00} to the amount on my mortgage while the other two credit agencies reported a decrease of that amount correctly. I am not understanding why one credit bureau out of three continues to post wrong information and does not remove accounts that are older thsn seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I would like to make an official complaint concerning Wells Fargo Retail Services Account XXXX XXXX XXXX website and televised commercial promoting the No Interest if Paid in Full within 12 Months. I believe that the information depicted therein constitutes false advertisement and should be changed to reflect the true nature of the product. 

Both the company site and the TV ad explicitly state there is No Interest if Paid in Full within 12 Months. I bought furniture on or about XX/XX/2019. However, the first time I received a bill, 1 ) I was charged a late fees, even though I made a first payment before it was due on XX/XX/2019 ; 2 ) Payments could only be made through a Non-Wells checking account, and the online website/app you can not pay by debit/credit, money order, only checking account ; and 3 ) You a required to make monthly minimum payments or I will be charged and late fee and be reported to credit bureau! This has been consistently true with every subsequent bill as well. 

This is not a No Interest if Paid in Full within 12 Months Promotion, it is actually a High Interest/Hidden Fee Charging Retail Credit Card in disguise, that 1 ) restricts payments through mandatory non-Wells Fargo checking account only ; 2 ) charges monthly late fees if minimum monthly payments aren't made ; 3 ) charges you late fees if additional payments are made on the account in the same month instead of crediting the payments to the next payment period ; 4 ) is not a No Interest if Paid in Full because you are charged late fees for non monthly payments that are not clearly advertised. ( See attached Receipt, Advertising and Billing info. ) I would request that you remove the false information from their advertisements and the late fees and charges be removed from my account, be allowed to pay by credit/debit, money order if I choose and to have a true No Interest if Paid in Full within 12 Months account As Advertised! 

Prior to and on XX/XX/2019, I spoke with Wells Fargo regarding their deceptive advertising, restricting payments, hidden fees, etc. I was given a Complaint number by their Executive Officer representative XXXX, Ref # XXXX and told that I would get a response in 10 business days. 

Thank you. 

Sincerely, 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 monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
For almost 2 months now I have had issues with MyFedLoans incorrectly charging my account. I am in " paid ahead status '' on all of my loans, but despite this, they've told me their computer system does an equation ( which they don't know ), that calculated my loans would not be paid off in time so my monthly amount went up almost {$200.00}. Despite countless phone calls and conversations with managers that said they saw the problem, would work on it personally, and call me back directly, they issue was never fixed. I took it upon myself to refinance with a different company who paid off all but XXXX of my loans serviced through my fed loans ( I did not switch XXXX loans because they had a lower interest rate with Myfedloans ). I saw my full direct payment was going to come out of my account from Myfedloans despite having most of my loans newly paid off. They told me they couldn't stop the payment, but if I called back after the fact they could place it all on the loan of my choosing. I called back and they said that they couldn't change anything. After my loans were paid off my monthly amount due initially went from {$1600.00}, to {$110.00}. Now after a few days the computer has reset it back to {$1600.00}. Also, despite being paid off the system has not yet marked my loans " paid in full '' ( 15 days later ). I have discussed this staff at MyFedLoans who told me it would take a full 20-30 days to mark as paid in full, and that I " over paid '' on some of the loans and the computer would reflect that by placing that over payment on my remaining loans.

I have absolutely ZERO confidence that this company is going to be able to correctly fix any of the issues that I am having. Their customer service representatives have consistently tried to explain at length issues with my account they clearly do not understand and make absolutely no sense. Calling and speaking with their " supervisors '', does absolutely nothing to resolve any issues. I've now over paid on loans that should reflect being paid off and they are STILL trying to charge me large sums of money every month even when I have such a small loan remaining. I desperately need help. I need a definitive solution for these on-going issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
In XXXX, I enrolled at XXXX XXXX XXXX to obtain an education in XXXX XXXX XXXX XXXX for which I had received an XXXX  's in XXXX. In order to be able to afford to go to this school, I was told to apply for a school loan ( several loans, as it turns out ) on the advice of the school rep and have been paying back since graduating. 

However, it has come to my attention through my brother who lives in XXXX, within the last month, that the above-mentioned school has been closed down for being a predatory school. He proceeded to send me information regarding the school, see link XXXX XXXX XXXX I have been paying off my student loans since approx XXXX onwards, 13 years later, I am now a new mom with a XXXX old baby and I can not afford to pay the remainder of my loan. I've paid off at least XXXX of this debt. It sickens me to know that the school loan provider has not once mentioned any suggestion of a solution. 

Since I graduated from XXXX XXXX XXXX in XXXX, there was no job placement or advice offered. I have not worked in the fashion industry utilizing my education and skills that were taught and apparently I was on the honor 's list and dean 's list for being an outstanding student - what good is that to me? 

When I moved back to my home, I couldn't find a job with my, now-useless, degree and was so deflated for years with a degree that has no value and has cheated me of my self-worth. 

The remainder of the loan is now with Nelnet. First, it was with XXXX XXXX - they crashed & burned, then XXXX took over the loan and now this new company. It's very frustrating to find out that the loan has moved companies. Who knows what arrangements have been agreed upon from one company to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I get numerous calls from XXXX with an automated message to my work line. I have asked them to stop calling my work because that is not allowed. I want them to stop calling my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am currently working a XXXX which qualifies me for the Public Service Loan Forgiveness program.

The first issue I'm having is it's been two years of FedLoan reviewing my case to award me credit for back months of credit toward the Public Service Loan Forgiveness. 

My second issue is that I recently filed Chapter XXXX Bankruptcy and sent them the paperwork that my student loans were left out of my bankruptcy so I can continue to be on the payment plan to receive credit toward the Public Service Loan forgiveness. The company sent a letter to my bankruptcy attorney after refusing to discuss the issue with me stating I could make payments but they would not apply toward the Public Service Loan Forgivenss program because I am in bankruptcy and they can not bill me.

My attorney is saying when a lender is left out of the bankruptcy they can bill you. I would like to have my credit go toward my Public Service Loan Forgiveness that I qualify for. This is absolutely ridiculous that I can't receive the credit. I was receiving the credit and my payments was XXXX. 

Please help me get the credit I deserve. I will be in bankruptcy for 5 years working this plan. That is over half the time needed to qualify for forgiveness. I will come out of bankruptcy still facing {$80000.00} in student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/2019 my FICO scored dropped from XXXX to XXXX for absolutely no reason. I have no delinquent accounts or outstanding balances. My bills are always paid on time. I have an impeccable record. It appears it is either a clerical error or a problem with the algorithym coming up with the erroneous results. My FICO score should be at the excellent level.

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 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I had a mortgage with Ditech Financial Corp. I had trouble paying my mortgage and was put onto a repayment plan. The plan was successful and representatives from Ditech said that I was once again up to date on payments. 

I began paying my mortgage as I should by XX/XX/XXXX. In XX/XX/XXXX I received a letter saying that I no longer had a mortgage due to a decision made by Ditech. They would no longer finance my home ( with on time payments ) because I had a history of not making my payments on time. 

Ditech then sent back my payment check and would no longer accept payment. Twice a week, Ditech reps came to the house and left a note on the door for inspections. 

At this point, the mortgage was up to date, but Ditech would no longer accept payments. 

I went to XXXX, CT court and worked with a housing expert who let me know my options. It was found that I was on time with payments. 

Ditech then foreclosed on my house in XX/XX/XXXX. I had spent roughly {$68000.00} in lawyer fees and back payments to Ditech and they never accepted the mortgage was up to date. I LOST MY HOME. A home that I paid for and was making monthly payments on. I only became in arrears when I lost my job, but I was able to catch up with my mortgage in 8 months time. 

I had to move into an apartment and lost the only home my XXXX XXXX year old adopted son knew. 

It was Ditech representatives based in Florida that told me that I was ok and my mortgage was up to date, though each time I called them I had a different representative and could not get a hold of the original rep. My account was switched over to representatives upwards to 15 times. 

I don't have a home anymore. I was forced to leave. 

The home I had sits untouched since the day I left and I miss it dearly. 

I just want to recover what was mine and move on from this horrible disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I took out a loan with wells Fargo some years back on a car that I had already owned! A XXXX  XXXX XXXX which was {$5000.00}. The loan was paid in full and I received proof of payment and the title. The problem is Wells Fargo is damaging my credit report with all three credit bureaus as if I took out two separate loans with them and I only had one EVER! One account is showing under account number  XXXX and the other is showing under XXXX. They are reporting one correct in good standing no late payments, then the other they are reporting 120 days late WHICH NEVER happened this error is under account number XXXX. 

I have disputed this several times and Wells Fargo Bank Auto is refusing to view their records to see their mistake to correct it, they are only seeing that I did have a loan and reporting it as accurate. I have reached out to Fells Fargo by phone and certified mail to correct this. When I called I was informed by the rep that my account was never XXXX late, which I knew. She provided me with their reporting department address. I sent them certified letter with proof with no response! I even emailed and to the CEO and still 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 non-monetary relief