vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Dealing with loanDepot 's local mortgage originator was a joy ( XXXX XXXX XXXX XXXX, XXXX ).  The person with whom we worked with took the time and effort to explain the process to us from start to finish. To lock-in a rate, we 've provided him with our personal and business tax returns, and a list of our assets and liabilities. Unfortunately, this is where our good experience came to a halt. After telling our loan officer that we 've decided to pursue a 15-yr loan instead of a 30-yr, he flat-out stopped responding. Did n't answer his phone or voicemails, did n't return our e-mail. This is a person whom we 've entrusted with our new home. To make matters worse, loandepot saw it fit to print out our ENTIRE credit history, financial assets, complete with our FULL social-security numbers, dates of birth, bank account numbers, etc. Basically, EVERYTHING you 'd need to steal identity and credit. They simply mailed these to us, by good-old US Postal Service, without tracking or signature requirements. And since the packages had so much paperwork, they did not fit through our mail slot, and were thus left UNATTENDED in front of our house, for anyone to take. At a day when identity theft is rampant, and major companies like XXXX have compromised our personal data, loanDepot 's complete lack of good judgement and care in safeguarding our most valuable information left us completely flabbergasted. I choose not to upload photos of any of these documents given how much valuable personal information they contain, but if CFPB requires them, I 'd be happy to submit them later upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: DC

Complaint narrative:
I opened a US Bank Gold Checking account online on XX/XX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XX/XX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XX/XX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XX/XX/XXXX. On XX/XX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XX/XX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received.

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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company equifax have in my credit multiplie account for the same amount and the same company and the account is already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
As a result of the XXXX data breach I wanted to block credit inquiries to all three major credit reporting agencies - XXXX XXXX, and Experian. I could block credit inquiries with XXXX XXXX XXXX for free, but Experion required that I establish an account with them at a minimum of {$10.00} a month in order to block credit inquiries. I believe this places an undue burden on me. I am only trying to protect myself from fraud which might result from the XXXX data breach. It seems unreasonable that I have to pay to protect myself from potential identify theft. XXXX and XXXX offer this simple protection for free.

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VERITAS FUNDING, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I received a yellow card in the mail telling me to call an XXXX XXXX number immediately about a closing on a mortgage with Veritas Funding. I got the mortgage in XXXX of 2015 and it was sold to XXXX the same year. It has also been sold by XXXX to XXXX mortgage. When I called the XXXX number it had me enter a mortgage id number and the dropped my call. As a result, I called Veritas directly and was told that is looked like fraud. They had me scan the card I received and reported it through their company. I have not noticed any fraudulent charges on my credit cards and have a credit freeze on my credit bureau accounts. Veritas also verified that the XXXX number on the card is not their XXXX number. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have an unauthorized inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX charged me {$400.00} deposit on a cell phone I was purchasing in full, at retail price, in cash, in person. 

This happened when I opened my non-contract pay as you go plan. I purchased the XXXX XXXX XXXX. 

I later found out that they performed a hard inquiry on my credit. 

During this interaction, I had never BORROWED anything from XXXX. I am not on a contract plan, I am paying month to month. I feel that this credit check is unwarranted as I never applied for any line of credit or borrowing. 

I later sold this phone and disconnected the line. It took months and multiple phone calls to get this deposit back. They originally told me I would receive a check in the mail. I never did. They applied it to my account balance without notifying me. 

I had also purchased an XXXX phone at a different time, and was also charged a deposit. Again, no borrowing. I paid the full price for the phone. I have since sold the XXXX, and purchased a XXXX XXXX. I brought this onto the XXXX network by swapping my sim card. Now that the XXXX is no longer on my plan, I would like the deposit to either be credited to my account, or mailed to me. 

Throughout my experience with XXXX, I have had issues with my coverage. Especially after Hurricane XXXX hit my area. I get 1 bar of service in my apartment. This has n't been fixed, and it seems like almost every call to XXXX is STILL about trying to get my deposits resolved. They have not sent me a signal booster like I 've requested multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I have an unauthorized inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On Monday XXXX XXXX I called the company around XXXX. I spoke to a guy XXXX XXXX XXXX stated I believe I was a victim of some type of inquiry issues. XXXX would not help me with the matter that was at hand. I have XXXX hard inquiries on my report and I 'm only knowledgeable of 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 2017-10-23 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
I was denied credit on XX/XX/2017 and the listing company was XXXX XXXX XXXX, Consumer Office XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX When I tried to get my report they are asking for personal information in a Hard Copy. Such as Passport and other personal documentation. The other credit agencies do not do this and it seems very suspicious to me that this company asked for this information mail or faxed to them. I should be able to get my free credit report without these additional hard copies.

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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is my second report with the cfpb regarding Capital One. I hold credit with Capital One and so does my father with this card. 
My father is undergoing a refinance with his home. I had several excuses of Capital One not taking off late charges when the card company was at fault of not processing my payment correctly. 
I had another excuse of due to the hurricane that the company is short staffed. 
I had attempted payments and phone calls three times to XXXX at Capital One 's Corporate office. Her number is XXXX. ( XXXX ) XXXX # XXXX. The Customer Service Department has threatened prosecution of non-payment to the credit card holder. I agreed several times before the due date to make payment arrangements, which Capital One agreed to {$30.00} several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I have an inquiry on my credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To whom it may concern, Portfolio Recovery Associates are attempting to collect a debt that was sold to them from the original company, XXXX XXXX. Portfolio Recovery Associates are not licensed to operate/collect in the state in which I reside. Two of my accounts have been sold to them from XXXX XXXX. One in the amount of {$1400.00} and another in the amount of {$1600.00} both sold to Portfolio on or around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XXXX of XXXX, Ditech made an error and suddenly added escrow to my mortgage. I have had this mortgage for close to 12 years and have never escrowed my taxes or insurance and have always paid them independent of my mortgage. Ditech continued to charge me late fees and penalties for said escrow error they imposed on my account-additionally, they reported me to the credit bureau as having late mortgage payments which caused my credit score to drop and began sending me letters regarding financial hardship. 

I made a call to Ditech after finally realizing the error they made and that they were not taking initiative to remedy it on XXXX XXXX, XXXX and spoke to " XXXX ''. She stated she saw where they made the error and would send a code to have it taken care of. 

I followed up with a detailed letter on XXXX XXXX, XXXX, which I faxed to Ditech 's customer service department. I had also been filling out customer service requests and reporting the error through their website. I did not receive a response to any of my complaints or requests to be contacted. 

I have had to call Ditech multiple times to simply get them to remove the escrow and late fees as well as negative credit reporting. 

On one occasion, I called and spoke to a manager, XXXX, who assured me they had taken care of the problem and great news that I had overpaid and would be soon getting back a refund. Upon receiving the refund, I was then told that there was now a back due escrow balance for the same amount they refunded me! 

As of today, XXXX XXXX, XXXX, they have still not resolved the problem after telling me it was resolved. They are now holding my mortgage payments in " Funds in Suspense '' and not applying them to my mortgage and reporting that I have not paid for the months of XXXX and XXXX I feel that I should not have to fight for months to get an error caused by the mortgage company resolved. They continue making error after error and are causing me a lot of stress and time in having to constantly check behind everything they do. I wonder if anyone else has had the same issue and what benefit would it have for the mortgage company to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.

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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Have no knowledge of this Address is wrong

Company response to consumer: Closed with explanation