vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
I took out a {$150.00} title loan years ago. I paid {$100.00} the following month leaving a {$50.00} balance. 
The transmission went out and was towed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They informed me the bill was {$350.00} plus {$75.00} per day for storage. I only paid {$200.00} for the XXXX  XXXX. Im on XXXX XXXX XXXXXXXX and could not afford that. 

Only oweing {$50.00} to the title place I called them to inform them of my unfortunate situation, they got really rude! Their response was THEY DONT CARE! 

6 Months ago they tracked down my phone number. 

For 6 months straight 3 to 4 times a day they call and threaten me saying I owe them close to {$1900.00}! I asked please stop jamming up my phone like that. 
Their response was, we are not going to stop until you pay us money!! 

My XXXX phone bill shows every call, and now they are using a software on me disguising their number! 
I am so tired and sick of it. I do not want to change my number and feel I shouldn't have to. 
I took some legal advice and found out they can be fined up to {$500.00} for each time they called me. That would be my last straw! I wish they would please just stop!! 


It is Loanmax Title Loans in XXXX Kansas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Since this company took over my loan after I refinanced, it has been nothing but headache after headache. After assuming my mortgage not only did they make it more difficult to pay my bill online by trying to get me to agree to illegal servicing fees that they are currently in a lawsuit with 33 states for illegally charging their customers, after signing up for auto-pay to bypass this fee, they now are not accruing for my payments accurately stating i'm past due on payments, when I have bank account statements stating I've made payments. I called to report this error on XX/XX/XXXX after I saw the payment removed from my bank account, but XXXXHH portal showed me as past due. I spoke with PHH agent XXXX ID # XXXX who assured me my payment was processed, but could not explain why the payment amount I submitted was under 'Other ' vs capturing the additional payment I made towards my principal amount, nor did he know why the app and website showed me as past due and late on my payment. I called again on XX/XX/XXXX after not hearing from XXXX, and spoke with XXXX ID # PGA, who informed me XXXX was still looking into the issue, and would followup within 24-48 hours, and that the payment was not applied correctly but to rest assured they would fix this. I have a low-level of confidence in a company that has deceptive practices that don't allow good customers who pay their bills on time to trust it will be processed in an efficient and effective manner. We're now going on to call three with them for an automatic payment process that should not cause this many headaches & hope their faulty payment system doesn't accidently cause a customer to default on their mortgage because of a system error on their end. I demand for PHH to stop these deceptive practices and implore the CFPB to investigate this company especially given recent lawsuit activity in the deceptive practices they are subjecting their customers to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to XXXX and TransUnion that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to Equifax and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I originally opened this line of credit in XX/XX/XXXX. I am making payments on time via automatic payments. XX/XX/XXXX, the original account they had on file is no longer in use. I go online to try and change it. It says to update. Please email us. Ok done. No response. I email again a few weeks later because my due date is coming up still no response. I called their customer service line, and all I get no rep is available to help you right now ; please try again later this has been going on since XX/XX/XXXX. It is now XXXX ; still, no response, but they have the ability to update my credit report as past due! It is not past due. I WANT to pay it, but the company is ignoring me. I have SEVERAL documents showing how I have tried to reach out with no resolution. I want my credit reports updated correctly to show as paid as agreed or to contact me to pay this line of credit off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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 XXXX XXXX have tried on several occasion to resolve my issues with EQUIFAX every time i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 2 accounts that are being reported on my credit report that i need removed which is XXXX XXXX AND XXXX XXXX  BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING EQUIFAX TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 2 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is misreporting a balance to XXXX  on a charge-off account that was settled. The account is reporting correctly to both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I started my refinanace process in XX/XX/XXXX. I have excellent credit and NewRez seemed to put me on the back burner I'm guessing because rates were falling. My loan was suppose to close on XX/XX/XXXX and NewRez did NOT have my numbers correct - mainly Escrow amounts. They delated a bit longer until we finally closed in XX/XX/XXXX. It was an awful experience to have an incompetent person at NewRez not able to do simple math to get my loan closed after taking 3 months on a clean refinance. I do not feel this was handled correctly. My guess is they were pushing loans through at 2 %, when mine was locked at 2.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX whch is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

XXXX total charges is {$8500.00} Amex total charges is {$140000.00} XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX is misreporting a balance to TransUnion on a charge-off account that was settled. The account is reporting correctly to both XXXX  and 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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Attempts to collect a debt not owed Written notification about a debt The company took or threatened to take negative or legal action The company filed incorrect information on the consumers credit report Regarding a fraud on my credit score for a debt collection and them harassing me requiring I go to court to pay them. Then a year later receiving the same bill from a different collection agency for the same XXXX card. After this had been taken to court. They said this is impossible. 
This would had to have been a fruad to keep re occurring on my report after they already sent legal into court, referring to the collection agency that harassed me for a year. While I was in the hospital. Sick for over a year. 

Is this even legal? They have really harassed me and my legal privacy. 

The collection agency that did this to me. Sending me to court. Didnt even have the right to do it. I called and she acted very suspicious on the phone stating its impossible that another collection agency reported on my credit report. 

There number is XXXX XXXX XXXX XXXX XXXX His name is XXXX XXXX. 
This is continued please read all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, Equifax, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's Experian, XXXX, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

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 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
Every month the credit bureau is alerting me of a bad debt that is owed on my behalf that is not a validated debt of mine. That keeps going up. They are calling every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
Noticed an account on my report that does not belong to me

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 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
I lost my job because of COVID-19 the whole time the mortgage company said they would work with me every three months I had to get an extension they told me the same thing that they would work with me so when I went to start my first payment they said I was not eligible for any of their programs that I would have to come up with {$13000.00} by next month I ended up losing my job again now I have no income but in the last 2 1/2 months I was able to give them {$6500.00} and I guess that still wasnt good enoughSo now I have no income coming in so theyll probably go ahead and Start foreclosureI told them Theres about COVID I guess I dont care

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX which is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

Chase total charges is {$8500.00} XXXX total charges is {$140000.00} XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: MyScore LLC
State: GA

Complaint narrative:
I was already signed up with this company, and I was paying one fee. I was supposed to be signing my clients up through this monitoring company, and I was misled. I was told to sign up for one dollar to see how the system works. I said I knew how the system worked. I am a member already. I was convinced to canceled one service after I paid {$29.00} and signed up with another program under the premise I would not have to pay any more than {$1.00}. I was duped and deceived by this Ponzi scheme, and they need to be shut down and imprisoned. XXXX and another employee had the worst attitude. They are strong-arm robbing consumers. I paid {$29.00}, {$1.00}, and {$27.00} in less than one month for XXXX XXXX XXXX. They do not prorate or refund consumers money. RED FLAGS!!! They are ripping off XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I requested for paper billing statements XXXX, XX/XX/XXXX from specialized loan servicing customer care XXXX XXXX XXXX. Called on XX/XX/XXXX, XX/XX/XXXX. Each time the customer care said they will send paper billing statement. 
But the company did not send until now. 

I then called XXXX XXXX XXXX XXXX XXXX XXXX. It goes to voicemail, which says they will call back in 24 hours. Called on XX/XX/XXXX, XX/XX/XXXX, requesting paper billing statement for the month of XXXX, XXXX, and XX/XX/XXXX. But no one called back. 

I did not get any paper bill statement for XXXX, XXXX, and XX/XX/XXXX. 

The same thing happened when they did not send paper statements for the month of XX/XX/XXXX, XXXX, XXXX, And XX/XX/XXXX. 
I send a complaint to CFPB complaint ID XXXX on XXXX XX/XX/XXXX. Only after you contacted Specialized loan servicing, did they send the paper statements informing the issue was due to system error.

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 2021-06-07 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
The account " Affirm Inc '' is absolutely fraud. I did not open this account or authorize anyone to do so. This is a complete violation and needs to be deleted right away. I have attached a copy of an ID Theft Affidavit packet. This is damaging my credit and making me lose out on my financing goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021 I received an unusual notification from Santander Bank stating that my password was reset. I notified the bank immediately to freeze the account ; however, the thieves had already withdrawn a total of {$4200.00}. The following day I filed a claim with Santander Bank for the stolen funds. Soon, I received a telephone call from the fraud department of Santander asking me to explain what I remembered about the series of events of XX/XX/XXXX. I explained that my emails had been hacked and my cell phone had been sim jacked. The representative whose name was " XXXX '' said I needed to submit documentation from my cell phone carrier, XXXX XXXX XXXX, about the interruption of service that took place. I also stated that the event was overwhelming and I could not particularly remember the precise sequence of events that took place on XX/XX/XXXX. After 2 weeks and through the help of the FCC, I was able to communicate with XXXX XXXX from the XXXX XXXX XXXX president 's office, who provided me with a letter to forward to the fraud department of Santander. 

Nevertheless, before I could submit the letter, Santander notified me that they have denied my claim. 

Santander has wrongfully denied my claim. They never provided a fair and thorough investigation. The representatives never provided sufficient time to submit the requested document, nor did they provide me with any name, address, email or fax to send the supporting documentation. Their response has been unconscionable.

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