vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I purchased a vehicle in XXXX of 2015 at XXXX. I was told by the dealership that I was the buyer and XXXX XXXX was the co.buyer. I was recently made aware that my name is n't on the vehicles title or registration. I have made payments on this vehicle for more than one year and I am unable to drive the vehicle because I am not the registered owner. Wells fargo Dealer Services has reported this loan on my credit report but I am not the lawful owner of this vehicle. I am unable to locate XXXX XXXX who is the listed owner of this vehicle. I can not continue to make payments on a vehicle that I am not the owner of. Wells Fargo Dealer Services received the funding package from XXXX and did n't secure my interest in said vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a collection account with XXXX for {$140.00} that was removed from my credit report, however it reappeared under another collection agency last month and as a result my score dropped. The other bureaus apparently was able to disseminate this information and it was not added ; however Experian did. Over the last few years I have noticed out of all the bureaus they are by far the most INACCURATE. As a result I have had several disputes with them over the years in efforts to clear erroneous information but despite my efforts this continues to be an ongoing battle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Mid-Atlantic Consumer Services
State: CT

Complaint narrative:
I keep receiving phone calls from a debt collection agency Mid Atlantic. They are threatening me with a potential judgement regarding a debt from 2009. They claim it 's from XXXX XXXX but when I looked on my credit report there is no account mentioning XXXX XXXX. They also mentioned XXXX which I am assuming is another credit card company that possibly bought the account? Neither one is mentioned on my credit report. I paid multiple accounts off throughout the past XXXX years. Each time I paid via a website and received a confirmation letter either via email or mail. I also printed each receipt after making payment. This company says I can only pay over the phone with a credit/debit card or a prepaid card. I told them I do n't do that because XXXX, there is no mention of this account on my credit report and XXXX I only make payments via internet or through the mail with a money order. He said I would have to wait for the hearing. I 've been getting these phone calls non stop for several months. I feel it 's a scam and how do I truly know who I am paying. Why have n't they sent me paper work via United States mail? I 've lived at the same address for many years. Why has n't the original creditor contacted me? Why has n't a collection agency sent me a letter in the mail? I only want contact with this company via United States Mail. And I want proof that the debt is legit. I could 've paid it off with another agency and that agency never reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
They need to prove that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: WI

Complaint narrative:
I have had this student loan for going on 10 years. When I signed up for this student loan I was told that I could receive a co-signer release after making two years worth of on time payments. After making my two years worth of on time payments I was told that I could not receive a co-signer release because I was on a graduated repayment schedule which had a lower payment than the full schedule payment. They said I had to make an additional two years worth of full on time payments before I would qualify to have my co-signer released. I called in yesterday to check to see if I have made enough full payments to have my co-signer released from the student loan and was told because I took a temporary forbearance on this loan that it prohibited me from ever getting a co-signer release. If AES knew I have been trying to get a co-signer release when I requested the temporary forbearance why would n't they tell me when I called in " If you do this your going to be stuck with your co-signer forever '' why does it not stipulate it on any of the forbearance paperwork I received from them? This is deceptive and wrong. They need to honor our agreement for the co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank, XXXX Tx I went to cash a check from my employer who banks with Chase. They charged me an {$8.00} fee as I 'm not an account holder with Chase. 
Secondly, my son uses Chase so when he needs money I can not make a cash deposit since I 'm not a Chase customer. I have to write a check or money order to deposit funds into his account. 2 days ago I went to make a deposit into his account but did not have my checkbook so I requested to buy a money order to deposit the funds into his account. They refused to sell me a money order because I am not a Chase customer. 
I had to go to a local store, buy the money order then return to the bank to make this deposit for him. On top of this, the customer service for this office did not seem to care about the major inconvenience and aggravation this caused. 
I understand rules & procedures are made to protect people from depositing cash to fund groups XXXX but to charge a non account holder {$8.00} to cash a check that is drawn by their bank is a penalty to the non account holder. This is an injustice to the American people at which this bank profits THOUSANDS of Dollars every day across the country victimizing non account holders who simply want to cash a check. Denying a non account holder the ability to purchase a money order is POOR customer service and a complete discrimination of non account holders when this bank is open to the General Public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance Group & Associates LLC
State: IN

Complaint narrative:
I continue to get calls from Alliance Group about a civil law suit regarding an outstanding payday loan they say I have. I filed a BK chapter XXXX in 2015 and I should have no outstanding debt, I have checked my credit report and have never been contacted by a payday loan company to my knowledge nor have i taken XXXX out. XXXX XXXX XXXX XXXX is threatening me with going to jail, having a sherriff on my doorstep and trying to collect money over the phone. They say the original debt was {$500.00} and now is {$1100.00}. This is not valid and they have bits and pieces of my idenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Carrington mortgage company is in direct violation of the u s treasury dept making home affordable program guidelines. 
Specifically chapter 2 section 6.3.1 as per mha guidelines version 4.5 dated XXXX/XXXX/2015. 
Carrington mortgage is in direct violation of mha guidelines chapter 2 sections 6.3.2.3 and 6.3.2.4. 
Carrington mortgage approved me for an in house modification and neglected to exhaust the XXXX approach financially harming me at least {$72000.00}. 
Carrington mortgage has neglected to provide me with the npv test results conducted on or about XXXX/XXXX/2015. 
By approving me for an in-house modification, and not following the XXXX guidelines, is blatantly unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nelnet, Inc.
State: CA

Complaint narrative:
To whom it may concern on XX/XX/2016 I went to the police station and made a police report on 14 accounts that was identified and fraudulent accounts that occurred on my police report as identity theft. All companies removed the fraudelent accounts from my credit report by Law, Three of the accounts belonging to XXXXNELNET has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I had a leased car which I returned early because my student loan payments are suffocating me. I was never told that returning my car would result in a {$3200.00} bill when I only had {$1200.00} left on my lease. Hyundai was negligent and deceptive by not informing me of what the consequences would be if I returned my car. Additionally, Hyundai started reporting a delinquency on my credit report. I am not delinquent. I have always paid. I paid until I returned the car and when they sent me the {$3200.00} bill last month, I have since made a payment on that as well. They need to remove their tradeline from my credit report. I did not have one derogatory mark on my credit bureau until this incidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
Hello-A doctor 's bill was sent to the wrong address, so I received a debt collection notice via the telephone saying I owed payment. No big deal, I contacted my insurance company and doctor and they confirmed it was legitimate. I told the debt collection agency that I was in the process of contacting those companies and I planned to pay when that was confirmed. I received the XXXX notice about 10 days ago. 

I received a call from the collection agency today and was told they were going to report the bill to the credit agencies. I said okay, I 've confirmed it 's real and I 'll pay it online right now, since I do n't feel comfortable giving my credit card information over the phone. They said that if I pay online, it wo n't post for three days and by that time I will have my debt reported. I said okay fine - I 'll take that chance and I 'll have a confirmation email, which I can use to clear that up later. They said I would n't receive a confirmation email for the payment either, so I had to pay over the phone. 

This seemed odd, so I asked to speak to a supervisor and they said the same thing. I hung up and paid my bill online. Unsurprisingly, I received a confirmation email immediately. I called back 15 minutes after making my payment and I was told their system shows that my balance was paid in full. So obviously, all of those previous statements about online posting and confirmation emails were bold-faced lies designed to be pressure tactics. It was pretty disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!

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 2016-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient would not let me have a lower monthly payment or work with me at all when I had my son and I was unable to work. They kept calling me asking for {$50.00} for a forbearance and told me that was the only thing I could do if I could n't afford the high payments. I recently got a littler frommthem stating my account was under litigation review. When my mom called them they told her that the situation would go away if she just paid {$50.00} on each loan to put the loans on forbarence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief