vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
For 8 months now, XXXX XXXX from Monterey Financial in  XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After having cards on my American Express account issued to two people, I have begun getting solicitations via USPS from XXXX XXXX and others. 


To expand : I've expressed concern to AMEX that my information was being sold on a mailing list on two separate occasions. The service representative at AMEX stated that they do not sell my information. In both instances, I was assured a return call within 24 hours. 

AMEX will not return my calls. 

I worry about the security of my identity when things like this happen and AMEX isn't helping the matter by behaving as if they have something to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

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 2018-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: PA

Complaint narrative:
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.

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 2018-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NV

Complaint narrative:
My issues began back in XX/XX/2018 when I requested Selene Finance to  remove my MIP due to my LTV falling below the {$170000.00} value of my original loan amount of {$220000.00}, below the 77.6 % LTV per USHUD,  mortgage letter XXXX. I have purposely made large principal payments to increase my equity as I have never qualified under any of Obama 's Affordable Housing programs to reduce my interest rate from the high 6.375 % that I have been stuck with since the inception of this loan. The benefits were not provided to a working male XXXX who is not only a XXXX XXXX veteran, but I have also never missed a payment. My MIP was removed as my payment decreased, but I never received any letter from them stating the outcome or if I was due any refunds. In XX/XX/2018, I made another large principal payment and they applied it to escrow. I called and spoke with XXXX ext XXXX on XX/XX/18, who said she would submit the correction to her supervisor. I also advised her that I could no longer see my statement or amortization schedule online nor have I received it by mail. She was not aware why it was no longer available. She was to look into the issue for me. I called back on XX/XX/18 and spoke with XXXX who said it still hadn't been fixed and would submit it again to a supervisor. I asked for a statement and amortization to be sent as I want to validate my payments are being received an applied correctly. To date, I have not received any statement or amortization schedule validating that my payments have been applied correctly. Today, XX/XX/18, I called and spoke to a female customer service representative. I could not understand her name. She did not know what an amortization schedule was. She asked her supervisor about me not receiving any statements as well as the requested schedule. Her supervisor directed her to have me put my request in writing. I told the representative that I have requested my monthly statement and amortization schedule several times and should not have to put that request in writing for a statement that I should automatically receive. I told her I was going to submit a complaint to the CFPB and she didn't even know who of your agency as well. I feel that Selene is purposely punishing me for paying extra principal payments due to them losing out on interest. This is an egregious act on their part to injure me by hiding how they are applying my payments. I am reaching out to you the CFPB in hopes that you can assist me in getting to the bottom of this.

I am hoping you can get Selene to provide me with the following : Monthly statements mailed to me without me having to request them each month My amortization schedule available to me when requested A copy of my original loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: IN

Complaint narrative:
In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX college from XXXX to XXXX. however, the college was a for-profit company and loan from Navient XXXX college misled me. They made me believe the school was accredited. They made me believe I was going to be placed in a job in my field of XXXX XXXX. they had tv commercials saying I would have a job in the XXXX XXXX field. but the truth is that the school is not accredited and after I graduated I was left alone with no job. 
They forced me to take out federal and private loans throw Sali mae ( navient company ). 
The navient company was taking out loans from me to support a fraudulent company like XXXX College I had a lot of financial hardship since i started school there. Thinking I was going to have a job after was my motivation. Since XXXX I had lost my apartment, lost my car, my kids did not have enough medical assistance at one point, my wife devoiced me, I was XXXX for three year. I had to see a XXXX because of all of this. Because of the loans from navient company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/2012 we received a letter from Chase offering a Mortgage Rate Reduction. Since we were only given 1 week to act on this offer and I was unable to handle the application, my daughter and my husband took care of the application for this adjustment to the interest rate. Because of our current financial situation I have been going back over previous records regarding the mortgaging of our home which is why I'm writing this complaint today. 
First - the letter you sent is very deceiving ; it gives the impression that you are only reducing the interest rate when in fact you are refinancing the loan. The reduction in the interest rate of .63 % would have made a minimal reduction in the monthly payment. The reduction of {$200.00} in the monthly payment was really the result of refinancing the loan and extending it back out to 30 years costing us an additional {$35000.00} in interest. If you were going to refinance the loan ( you could have just adjusted the rate on the original loan ) you should have left it at the remaining years but then the payment reduction wouldn't have been as attractive. 
Second - You refinanced this loan as a HARP loan that I don't think we were eligible for because our LTV ratio was way below the 80 % requirement. I think this is the reason our loan has been pooled with other underwater loans that have been sold at a great discount but makes my mortgage not eligible for most of the help programs because I have too much equity. 
Third - The income we received from social security wasn't enough to support the mortgage payment, taxes, and home insurance. The additional monies we were using from our XXXX and savings would have been better used to pay down the balance of the mortgage and than refinance the lower balance with a lower interest rate. Having said that you still should have verified how we were getting the additional monies to pay the loan and for how long that would have lasted. It would have brought to light the financial path we were on instead you chose to capitalize on us. All of these actions could be construed as predatory lending. Between what transpired in the refinancing of our loan in 2012 and how chase handled our loan 4 years later with a request for mortgage assistance has lead to me having to file for bankruptcy just to keep our home from being sold at a sheriff sale. I may have been a very responsible homeowner but you are not a very responsible bank. 
I know from the internet that other customers also received these letter but with their own customized offers and they too didn't feel your offer was in their best interest. I don't know the status of these loans now but it does make me wonder if they too are facing the same financial dilemma I'm facing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Credit Plus Inc
State: GA

Complaint narrative:
I do not recall paying my XXXX XXXX XXXX XXXX 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to XXXX XXXX XXXX. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was added as an authorized user to Chase credit card which appeared predatory for emergency purposes only. As per my recent credit report the account shows 1 30 day late, 1 60 day late and 3 90 days late from a period of XX/XX/XXXX to XX/XX/XXXX with a chargeoff balance of {$8000.00}. I was not aware account was being paid late by creditor and I want these late payments removed because this debt does not belong to me as well as I want this collection account deleted from all three credit bureaus remove my name as authorized user. I did not co-sign on this debt. This negative activity has impaired my credit and I need all negative information removed from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I learned about my debit when I was denied for a car loan. I had a perfect XXXX score and to my surprise, I discovered I had a XXXX and did not know why. After pulling my credit report it I found that I had a debt against me of over {$700.00} from XXXX. All I could find was the name Sequium Asset Solutions. I spent the next 3 days calling, emailing and leaving voicemails. I never received a return call. On the 4th day, I was able to speak with one of the rudest people I have ever spoken with. I was unable to provide any reference number as I had never received a single letter, email, or phone call notifying me of the debt. I was finally able to get the woman to pull up my information and they had an address that I hadn't lived at in 10 years. The woman continued to be rude and kept asking how I planned to pay for the debt. It appeared to be from an account I opened when I was XXXX, but that my parents had closed and might have not paid the bill. I don't have any proof of the debt or any paperwork on my rights or how to pay it, but yet they keep increasing the cost even though I was never notified. I learned of the debit on XX/XX/18 and set emails the XXXX, XXXX, XXXX. I also called all 3 days before finally reaching someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXXXXXX XXXXCalled my job @ XXXX on XX/XX/18. Harassing : Rude, Hung up on me several times. Threatening to sue me and garnish wages. I am not allowed personal phone calls.Never discussed any other option. Just very rude and yelling.

Spoke to D Scott Carruthers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2018 An attempt to increase my credit with Discover was made. The decision was denied due to " insufficient credit history. '' Twice since the account has been opened, increases previously we're made to the account. This is a violation of the ECOA ( Equal Credit Opportunity Act ) under FDIC Compliance section IV 1.1 " a lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is far from definition to be fair lending practices set forth by the FDIC. My credit report is far better then previously when the small increases to the account we're made. Which leads me to believe that I am a victim of financial discrimination. As a consumer I would like Discover to be fair in they're practices and adhere to the regulations set forth by the FDIC. This is unjust and illegal. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exter Fin pulled a hard inquiry on XX/XX/2017. I am unaware of the company and what they do. I did not give permission to pull my credit

Company response to consumer: Closed with explanation