vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 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: VA

Complaint narrative:
On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of Equifax dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC
State: CA

Complaint narrative:
The debt collector was calling and harassing friends and family members and telling them to get a message to me. When they said that they didnt know anything about what the collector was talking about they asked if I had committed fraud on the original application. I then started getting calls about how my social security number was being deactivated because they found out that someone was using it to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I sent a rent payment to XXXX XXXX for rent in the amount of {$75.00}. They in turn closed both of our accounts and kept the money. They didn't provide the service that was advertised nor tried to return any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
When I went back to school, I had no knowledge of student loans. I applied for a private loan with XXXX XXXX not knowing the difference between it and a federal student loan. The primary piece I did not understand was the income-driven repayment was not an option for private loans. I currently have a balance of {$120000.00} in private student loan debt and have a monthly payment of {$1500.00}. This does not include my federal loan debt. 
Prior to XX/XX/18, I spoke with XXXX XXXX a number of times and was told that my payment had to be past due before they would work with me. On XX/XX/18, I finally was allowed to speak to someone about lowering my monthly payment. I gave a detailed financial statement and they asked to speak to my father who is my cosigner. I explained that he could and would not pay on this loan but gave them his details. My father gave his financial statement on XX/XX/18 and he told me they would call me. After not hearing from them, I called back on XX/XX/18 ( I learned that did not have my current phone number on file ). I was told I could enroll in auto-debit to lower the interest rate by XXXX and skip my XX/XX/XXXX payment. This is an offer I had read about online and knew about so I told them it would not work and hung up. I needed to reduce the monthly payment amount considerably. I called back on XX/XX/18, thinking perhaps there was an option where I could extend the payment term or move to a graduated repayment plan. I was told unequivocally that was not an option and that all I could do was put the loan in forbearance for a month and apply to refinance at another company. I checked at XXXX, XXXX, and XXXX XXXX   XXXX. All have said I would need a co-signer that I can not get at this point for that amount of debt. The representative was polite and as helpful as she could be given the situation. Her employee number is XXXX and the confirmation for my forbearance payment is XXXX. 
I want to pay on this debt but I am not receiving any real help in lowering the monthly payment. I make XXXX/yr and have upward mobility in my career. I do not like not meeting my obligations. That said, I am at the point where I am beginning to think my only option is to try and get the debt settled through bankruptcy. 
Please, please, please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was not working for a short time over the summer but was staying up on my payments. I did not realize I had a couple return payments and when I went to make a payment today ( XX/XX/2018 ) Capital One ( credit card ) informed me they had closed my account on XX/XX/XXXX and I was not aware of this. I also spoke with a customer service representative less than a week before this and was never once informed my account could be closed or would be closed if this was not taken care of. 

I let them know I was calling to make a payment and wanted to take care of any issues on the account. They said they were happy to take my payment but could not make any promises that the account would be reopened. This does not make any sense. 

The issue is why would I or anybody want to make a payment and take care of the account if they are not going to reopen it. I would prefer for it not to go to collections for 7 years and get written off but I also am not going to make a payment if they are not going to reopen the account. The lady did say there is a chance they would reopen the account after payment is made but they could not make any promises. 

The only options available to me were to make a payment and see if they reopened the account or to not make any payments at all and just let the account stay closed for good and just let the collections go which is ok by me if that's how Capital One does business. If they are not willing to reopen the account than I don't think it makes any sense for anybody to continue to make payments. It seems to make sense though for Capital One to allow me to pay on the card and reopen the account and it would be a win win for everybody. Instead we aren't getting anywhere and there is no real winner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: CA

Complaint narrative:
XX/XX/XXXX-opened a " checking '' account with XXXX XXXX it is advertised as a checking account XX/XX/XXXX-fund account 1200.00 - my merchant banking deposits from processing my business credit card is connected to this account.

XX/XX/XXXX-i contact XXXX XXXX to ask where my debit card for my account is they say it would arrive within the next couple days XX/XX/XXXX-still no card and im now being told that it will be another 14-18 days for it to arrive ive also been told that this account is not a checking account as it was advertised online i can not order checks to this account. it is just a debit card. that is not what i signed up for or agreed to " free checking '' because of app problems i can not link another external account to withdraw my money. i have also contact XXXX XXXX XXXX who actually holds the account and the phone just rings and rings.

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 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.

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 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company, Experian, refuses to verify to banks that I exist. Therefore I am unable to access my excellent credit history which should show records from 1988.

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 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Certified mail sent to Di Tech on XX/XX/XXXX concerning my payments of {$870.00} which are not behind as they have been claiming. I have not missed any payments except one in XX/XX/XXXX which has been paid for quite some time now.. 
Ditech keeps sending me letters saying I still owe random amounts, like a past due of {$1000.00} on statement, XX/XX/XXXX ( it changes monthly ) yet there is {$4600.00} sitting in my escrow account. My taxes are {$1000.00} paid twice a year and are current. My insurance of {$360.00} is being already prepaid for XX/XX/XXXX. Taxes and insurance were on an impound account since the loan began in XXXX and started with an overage. 
They are collecting forward to XX/XX/XXXX and claiming I still owe them, yet they are collecting from my impound account monthly. My bk XXXX forwarded them {$3400.00} into my escrow account. After all this they apparently are raising my mortgage to {$1000.00}. 
I am on a fixed 4.00 % rate for 40 years. 
It looks like my monthly impound of {$120.00} was applied incorrectly. On a statement dated XX/XX/XXXX it shows {$120.00} as being on ongoing deduction from the balance rather a credit it shows the amount climbing with a negative balance of {$120.00} which should be a positive. 
My payments were {$750.00} up to XX/XX/XXXX about the time they took over my loan from XXXX. I was in a BK XXXX since XX/XX/XXXX and it was discharged in XX/XX/XXXX. I was told by a DiTech Representative that {$3400.00} was sent to them on XX/XX/XXXX from my trustee into my escrow account. I requested the money returned or applied to my mortgage but to now say that I still owe them money and am behind is harming my credit and stressing me out! I would appreciate your correspondence for any violations and your help in rectifying this ongoing payment issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of XXXX  dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I spoke to XXXX XXXX on Thursday XX/XX/XXXX in regards to my outstanding lease term balance of {$2900.00}. I asked the representative to get me on payment plan to payoff the remaining balance, I was told that XXXX XXXX does not offer any payment plans and that the balance would have to paid in full by XX/XX/2019 or my account would go into collections and be reported to all the major credit bureaus as a collection.The {$2900.00} is a significant amount to be paid in one payment and the repercussions for not making that making are quite severe, this would have serious impact on my credit score. I want to pay my balance however I need a practical payment plan in order to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: COMMERCE BANK
State: AR

Complaint narrative:
COMMERCE BANK, PLEASE CORRECT ALL BUREUS, ESPECIALLY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We need your help : Bank United wants to hold fund from an insurance or the 2017 hurricane damages of approximately {$70000.00}, they want to release about {$49000.00} to initiate repairs, they have been advised that there is a payment to the private adjusters of abut {$6500.00}, they say it is my problem. " they are not part of it '', the unit is in habitable, with no restrictions what so ever, to the point that we have had offers to buy it at the current market value of approximately {$800000.00}, ( names and phone numbers could be provided with their consent ) the present mortgage with Bank United is {$380000.00}, it is current and has been currant from the closing date about 4 years ago. 
Bank United wants to hold the funds because of a clause in the mortgage. My husband and I are seniors, I had a XXXX XXXX, which was about a year ago, I can not have stresses like this, as per my Doctors. Also I am having XXXX XXXX on the XXXX of XXXX, at XXXX XXXX XXXX XXXX of University of XXXX and my husband is having a XXXX XXXX, on one of his XXXX, on XX/XX/XXXX at XXXX XXXX XXXX. 
The pressure to us caused by Bank United is unreasonable, and unbearable for they will have to do inspections as the money is use and we will have to pay for said inspections. 
We have been talking to XXXX XXXX VP, Escrow Administration and Special Loans??? WHY BankUnited, N.A. 
XXXX XXXX XXXX XXXXMail Code : XXXX XXXX XXXX, FL XXXX Direct : XXXXFax : XXXX XXXX Also Email has been sent to XXXX XXXX XXXX Chief Operating Officer XXXX bankunited.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
At XXXX on XX/XX/2018 we received a call from SYNERGETICS asking to speak to a XXXX. The operator would not answer what the call was about and became hostile when she could not be connected. After informing her this is a personal matter and she will have to reach her another way the operator said " that's fine. We'll just call you another time until we talk to her '' and hung up refusing to remove our number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: AR

Complaint narrative:
XXXX XXXX, PLEASE CORRECT ALL BUREUS, ESPECIALLY EQUIFAX.

Company response to consumer: Closed with explanation