vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off

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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
PLEASE NOTE THAT THIS IS A SECOND CFPB COMPLATINT AND IS NOT THE SAME AS MY PREVIUS COMPLAINT. DO NOT LABEL AS DUPLICATE. 

I filed a complaint against Duvera Billing Services since they prevent me to make payments on my account and later sent to collections. I couldn't make payments or even pay off due to their phone and web sites are not available. 
They responded to my previous CFPB complaint with a copy of " Summary of Terms '' and a " Retail Installment Contract '' as proof of the debt, but these are unsigned copies. 

I would like to receive a clear copy of the signed Retail Installment Contract as validation of the 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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: UT

Complaint narrative:
Mariner finance sent a live check of a loan amount of {$2500.00} to my personal postal mail. This check was subsequently stolen from my mailbox and cashed. I did not cash this check, nor did I ever have it in my possession. Now Mariner Finance has opened a loan account in my name for money that was stolen and used fraudulently. 

The check was in my mail on XX/XX/2019. I have the scanned image from USPS. I never saw this check in my mailbox or possession. This check was stolen from my mailbox and subsequently cashed XX/XX/2019 at XXXX XXXX XXXX in XXXX, UT. I do not know how this check was legally cashed without a fingerprint or two forms of identification.

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 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
see case number XXXX including the company response and my feedback ; I want to discuss further with the Ombudsman at 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 2019-11-14 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: PA

Complaint narrative:
Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: PA

Complaint narrative:
Someone using my name getting a lot of credit cards like 7 credit cards with XXXX XXXX and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do

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 2019-11-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Someone using my name getting a lot of credit cards like 7 credit cards with Comenity bank and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
The school closed down and I am not responsible for this loan I need help great lakes wont removed it. The school rip all the students off and we left stuck fraud school con artist teachers and loan departments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I want to complain about XXXX XXXX XXXX, servicing by XXXX. This company gives an extremely hard time to customers in order to remove PMI. 

I bought my house in XX/XX/XXXX, by paying 10 % down payment and paying {$100.00} PMI ( mortgage insurance ) each month. In my loan document, it says I could pre-pay more principal anytime to make the loan amount < 80 % of the house purchase price and remove PMI. However, from early this year around XXXX XXXX, I contacted XXXX  to ask about how to do pre-payment of principal and remove PMI but I was told I was not allowed to pre-pay any principal and remove PMI in the first two years! In the summer around XXXX, I called and got the same answer. However, my loan document has NO such rules. 

Finally, XX/XX/XXXX, I found out I COULD pre-pay more principal on the online account and my loan to house value ratio became around 79 %. Immediately I requested online to remove my PMI. Later I called their insurance division and was told it would take them at least 30 days to review my request but later was told they were sure I could not remove PMI because of some government rules but they refused to tell me. 

On XX/XX/XXXX, I found on the online account, it wrote : " The Homeowners Protection of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. If you do not request cancellation, and you are current on your loan payments, then PMI will terminate automatically : On the date the principal balance of your loan is first scheduled to reach 78 % of the original property value. '' I immediately paid more principal to make the ratio of loan to house price to 77.2 %. However, till now ( 2 weeks later ), the online payment still shows I need to continue to pay the PMI! 

Finally I reached their " real '' customer service to tell me what happened about PMI. I was told my loan to value ratio was fine now. However, I had to send them a check to pay a fee ( {$100.00} or more depending on the market price ) for a new quick appraisal on my house to make sure my house value did not drop!!! 

Think about how long they want to waste my time to drop PMI!! I will have to mail them a check to pay this appraisal, then they let me schedule the third party to come to do the appraisal which might take another 2 to 4 weeks. After they receive the appraisal report, it will take them another 30 days to remove PMI if they finally say yes. So in total, it will take at least 2 months in order to let me pay the appraisal and remove PMI. At the same time, they continue to charge me PMI!!! 

I have never heard any other loan company to give customers such a hard time to remove PMI with all the lies and delaying the process. 

This is illegal to keep pushing me to pay PMI. Crazy experience.

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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: SC

Complaint narrative:
The account is showing as being included in my chapter XXXX bankruptcy on my XXXX  credit report, the account was paid off before I filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: IL

Complaint narrative:
In XX/XX/2019, Transunion closed my positive rating account of mine due to a recent bankruptcy ( this Bankrutcy was recently dismissed ). I wrote to them to find out why, and instead of fixing the issue, they deleted the entire account! This was not what i wanted them to do. They didn't even investigate it, they just deleted it. When i called them over the phone, i asked why, they response was that this account was never reporting with Transunion! I said yes it has, i have proof of it. They actually hung up on me.They are being incoopertive in fixing this issue. They carelessly removed a very important new account of mine that was a new car loan that was helping my credit in a big way. They removed it from my credit report without even questing it. This is unprofessional! Also, i called up today at XXXX ( XX/XX/2019 and spoke to someone for a second time and was not only rude to me, but they hung up on me. This tells me they do not care how i feel! I work very hard in rebuilding my credit and building a stable credit history, and they do this to someone. This is not fair or right to me! They are violating my rights under the fair credit reporting act and want to file a complaint and charges against them! I am submitting documentations as proof that they did in fact delete my XXXX XXXX XXXX XXXX account that was being reported accuratly! This is a positive account of mine, and they deleted it for no reason! This is a violation of my rights and they are refusing to fix this issue!!! BTW, i did contact my finance company and had submited a ticket and had sent all 3 credit agencies information on my account, and transunion still is not reporting anything! It just shows you that once its deleted, its hard to add it back!

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My payment is always XXXX dollars a month. I had fraud on it for over XXXX dollars last month to some online gaming. They raised my interest rate and added fees. I told them I was locked put of my account and I was having XXXX on XX/XX/XXXX. They sent a new card. I got and email stating my card was declined and it gives the last 4 digits of the new card. Declined at XXXX. I never activated it and never attempted to use it. Again I called and told them the fraud was coming from inside being the perps mew the 4 digits. I still could not access my account. I just got home from XXXX  XXXX and called them again to unlock my account They put me through sending them my dl picture and harrassed me like I was the criminal. I was told I had to pay XXXX dollars to get my account current! They raised my interest rate due go the fraud and added on on feed. All I wanted to do was pay my XXXX dollars and never use thier card again. Please help me. They would not unlock my account until now but, charged me fees that were unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I used to have auto payment on my Target red card but after losing my job because my XXXX have tried repeatedly to STOP the auto payments. I have emailed, messaged them, written a letter and the last TWO months called them and demanded they STOP attempting to debit my checking account. They are causing MANY, MANY overdraft and return check fees. Last call, I recorded it and advised them I was doing so, they are STILL trying to debit my checking account for payments. I also told them I was in the process of filing bankruptcy and they had NO right to continue trying to charge me and not give me the option of stopping payments online ( because I can't it always tells me a payment is in process even though they have NO authorization to continued to do so. I want ALL debit fees/overdrafts and fees on their end reimbursed to me NOW!!! They are STEALING from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PR

Complaint narrative:
National Credit Systems, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX reported a collection debt opened XX/XX/XXXX for their client XXXX XXXX XXXX in the amount of {$2100.00}. 

This account does not belong to me and I do not have any responsibility for this debt. i have never done any business with XXXX XXXX XXXX, nor signed any lease agreement with then. I was in XXXX  XXXX in a XXXX  in Puerto Rico from XXXX through XX/XX/XXXX ( 6 yrs. & 6 mos. ) I have never lived in the State where this property is located. 

Here with I am providing documentation as proof that I was in XXXX  in Puerto Rico during the time this account was created. I have disputed 4 different collections account on my credit reports from XXXX, XXXX and XXXX, and three of them have been removed as well as inaccurate information ( addresses, names ).  The only collection agency that refused to removed the collection debt is National Credit Systems, even though I have provided strong proof. 

I have also written to the creditor XXXX XXXX XXXX and collection agency involved with no results at all ( attached certified letter with proof of deliver. 

I am trying to get my life in the wright direction but with this credit issues are causing me financial injury as well as making things difficult for me in the job search, etc. 

Hope you can assist me, Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MA

Complaint narrative:
I attempted to request a Mortgage Modification with my mortgage servicer XXXX XXXX. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Title loans do not go on credit reports. Its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I visited a bank officer at the branch in XXXX, New Jersey and the bank manager at the branch in XXXX, New Jersey of Bank of America to ask them to remove the 2 stop payment fees of {$30.00} each on each check of {$54.00}! 
I told them these fees were exhorbitant because each check was for {$54.00}! 
The fees have not been removed!

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 2019-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
Title loans do not go on credit reports. Its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I turned in my lease for my XXXX XXXX XXXX with GM financial on XX/XX/XXXX. On XX/XX/XXXX, I called GM financial to inquire when I would be receiving final amount due on the lease. They informed me that the payment had yet to be determined but I would be receiving a letter in the mail when it was finalized. On XX/XX/XXXX, I called in again to ask the status of the final amount due and was told that a letter had been sent to my previous address with a due date of XX/XX/XXXX. I asked for and was granted a 30 day extension from the XXXX to allow time for me to receive a new bill and to respond. On XX/XX/XXXX I received an electronic copy of the bill. I mailed a check with the full amount of {$2200.00} on XX/XX/XXXX. GM financial processed the check and the money was debited from my account on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my credit monitoring service that the account had been reported as 30 days delinquent. A couple days later, the delinquent account status was replaced by a late payment derogatory mark. 

I have been corresponding with GM financial throughout the process. Their processes are slow and ineffective. On XX/XX/XXXX, they claimed a 30-45 day turnaround time to remove the mark. They promised a letter would be issued within 5-7 business days to allow me to show potential creditors that they were correcting an inaccurate report on my credit. As of this writing on XX/XX/XXXX, they have not yet done this. After yet another phone call, they are asking for another 5-6 business days to send out the letter. Meanwhile, my credit score has dropped 84 points from XXXX to XXXX. I no longer qualify for top tier automotive lending solely because of GMs incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I attempted to request a Mortgage Modification with my mortgage servicer Freedom Mortgage. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.

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