vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Bank of America, your attorney 's have sent me the reports for a wrong XXXX loan that ends with XXXX. That is not my mortgage loan. Please send me the paperwork for my mortgage loan which is XXXX. 
It does not feel good to play back and forth with you on this. I am really trying hard to avoid a lawsuit on this issue, since I have 10 more better reason to file lawsuit and I don't this one to be one of them. So please send the correct paperwork. 
Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to you about my credit score  of XXXX that was reported to XXXX XXXX MasterCard, by Experian. I feel my credit score should be XXXX, because I dont owe anyone. I also pay off all my bills every month ; I also have excellent credit for the last 30 years. When I call Experian ( XXXX ) I am told that they can not give me that information ; they can only sell me a credit score. 

I have the right to dispute inaccurate information. Why is my credit score not higher than XXXX? Report # 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 2019-09-27 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: DISCOVER BANK
State: MO

Complaint narrative:
I was defrauded by this business. I was charged {$39.00} to renew my phone service as stated but two days later I received a receipt showing additional fees that totaled {$45.00}. Then I received another email trying to defraud me again saying I had to pay about {$60.00} to cover 911 service in my area. I checked with the XXXX XXXX XXXX police department 911 service and they said that was a lie. I never used their service and tried to cancel it after finding out these facts. They refused to cancel this service. Discover cards own policy allows for charge backs when the amount agreed on is different then the amount charged. I did not know the overcharged me until two days later when I asked for a receipt for my purchase. The FTC said it is a violation of the Truth in Advertising act. Likewise, the credit card company is charging me interest even being they are violating the Truth in Lending and Fair Credit Card act. The last time I emailed them on their website was XX/XX/2019 refusing to provide me a charge back under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TLP Mortgage Advisors, LLC
State: TX

Complaint narrative:
Dear Lending Partners ... how can I forget you all! You guys were my first mortgage loan servicer for the FHA loan when I first bought my house. I have been extremely happy by the service you provided me. I would like to report to you joyfully the following : 1. In XX/XX/XXXX you serviced an FHA mortgage loan where you claimed a loan number to be XXXX. 
According to my credit hostory report it was a XXXX XXXX loan with no mentioning of payment amount. 
According to the home insurance company it was a XXXX loan with the account number XXXX XXXX. According to your closing statement, the escrow was paid from the loan you serviced. 
The other report is showing that you did not pay any escrow from the loan you serviced at all! 

3. You executed a HUD 1 Settlement statement that says that I have authorized you with the holy responsibility of getting another XXXX XXXX loan for the future and also a XXXX FHA loan to refinance your loan after that! 

4. You fraudulently executed a lien release in conspiracy with XXXX XXXX saying that I paid off your deed of trust and then XXXX XXXX Fraudulently transferred my title for that. The executed a fraudulent deed in lieu of foreclosure for that in XX/XX/XXXX and stole the title!! 

5. How could you, o my dear lending partner, let XXXX XXXX take my title and let them satisfy their eternal hunger for Mortgage Backed Security!!! 

6. What damage did I cause you, O dear lending partner, that you destroyed my title record and did all these mortgage fraud!!!! 

7. I am trying to find out how many lawsuits now I should file against your company O dear lending partners. 

Before you meet us with the other buddy XXXX XXXX ... .do you have any last minute well wishing for me? 

Please let me know ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CA

Complaint narrative:
XXXX XXXX XXXX i didnt open no credit card no bank account no credit in stores my ex girl friend stoled my id my ssn and all my info besides i calledto evvery biller and they still had the accounts open. 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 non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: IL

Complaint narrative:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CHOICE LOAN SERVICES INC.
State: TX

Complaint narrative:
Hello- I'd like to submit a formal complaint against XXXX XXXX XXXX and against First Choice Loan Services/ XXXX XXXX ( mortgage broker ). We closed on our house in XX/XX/XXXX, and the mortgage broker quoted our total payment including escrow impounds of like $ XXXX-ish. In XX/XX/XXXX, our escrow analysis jumped up a little to $ XXXX/ month. But then, in XX/XX/XXXX it jumped up almost $ XXXX/ month because according to XXXX we were short {$4900.00} in back property taxes, which put us in a financial bind with XXXX little kids in day care ( now XXXX because we just had another baby in XXXX, praise God! : ) We called XXXX and XXXX ( he never returned my call ) and XXXX helped us finance the deficiency over 24 months so that brought our payment down to {$2200.00} ish from {$2500.00} ( where it was going ), which is where it is now almost $ XXXX/month more that what we were paying. 

I understand that taxes and insurance are imperative, but I'd like to log a formal complaint against both XXXX and First Choice that they should have caught this at the onset of the mortgage when we closed in XX/XX/XXXX versus almost 2 years later in XX/XX/XXXX. 

I'd like to request that they investigate to see what went wrong and I'd like some sort of compensation to help pay off this crazy deficiency to bring this payment back down to normalcy, or at least to where it should be, which should be around $ XXXX/ month. 

Please see my attachments and please be sure to let these entities know that they need to do a better job with their internal audits with analyzing their consumers ' escrow analysis. 

XXXX seemed to be a veteran in the mortgage business as our mortgage broker, and I speculate that he may have artificially deflated the final payment number on the Closing Disclosure in order to entice us to be wowed by his " prowess '' and not to shop with anyone else. Don't get me wrong, he's a good guy- God bless him, but he seemed to know way too much about the mortgage business to make such an egregious, rookie blunder. Hence, my theory is that he intentionally misled us. 

And as far as XXXX is concerned, MERS audits XXXX XXXX and they should be audited about why they didn't catch this at the onset of the mortgage let alone during the first escrow analysis in XX/XX/XXXX. 

I'd like some justice and compensation for this matter as it has created a financial conundrum for my family 's budget especially now since we have XXXX kiddos in day care, which costs around $ XXXX/ month. 

Thank you and God bless, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: IL

Complaint narrative:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, 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 2019-09-27 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: IL

Complaint narrative:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-09-27 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In its response to a complaint submitted through the CFPB ( XXXX ), BMO stated that it had conducted a " careful '' and " thorough '' review of my account and determined that I was " qualified to receive the bonus of {$XXXX} ''. However, only {$XXXX} was deposited to my account by the bank.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business

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 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MO

Complaint narrative:
While being XXXX to help out with Hurricane Harvey. I wasnt getting paid as much since we were under state orders. Also since I was on military leave from my job I wasnt getting paid as much at all. I relayed this to the finance company everytime. They knew I was XXXX and I relayed to them that I was protected under the sailors and soldiers act. They sent correspondence to my house saying they looked up some database, that shows if youre XXXX or not. I continued to tell them they couldnt pull information like that. After picking up the vehicle, I never received any correspondence of how much they sold the vehicle for, or anything after the vehicle was picked up. I just received a bad derogatory mark on my credit report showing an amount from not even possible after having the vehicle for 5 years, and only 2 more years left to pay. This account reported has too many inaccuracies.

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 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied collection services accepted a old and expired lease agreement knowing and intentionally trying to collect 3 years of rent for a expired lease that was fulfilled and not renewed

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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I called more than 20 times explained this report is a fraud I never owned money to this company but the didnt listen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
XXXX portfolio services calls me repeatedly after I've asked them to stop. They call from various spoof numbers and call at all hours, including night hours. They either hang up or refuse to say who they are ( I only know because I call the number back sometimes. 

They have also called family members and I think they are the ones threatening to arrest me at work. 

Come get me I dare you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
I have a current complaint with company and the company responded said they are having trouble locating our account which is a lie they keep trying to circumvent the situation and it has been on going for months. I could not see where to add additional information so I am starting this second complaint to respond. 
The complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 My XXXX account and XXXX Play account is under email : XXXX the account they say they can not find. However they keep responding to me on. I have attached a pdf of the transactions and dates but they say they can't see them. Again the are avoiding and circumventing trying to resolve this issue. The Last four of the credit card used was XXXX. They have all this information and here is even on transaction ID and denial from them to do anything and they can locate all the other transactions using this as a reference : Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Just to list a few of the incessant charges and they can find my information by accessing these charges as well as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: FL

Complaint narrative:
ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING

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 2019-09-27 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: FL

Complaint narrative:
ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING

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