vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting on Experian & XXXX XXXX XX/XX/XXXX 30 day late For the last 15 yrs. I have made my payment via phone to XXXX Card. I do this because it is free, easy, and I have confirmation that my payment has been received. Just as I do every time with XXXX I called to their automated system to make a payment. However, on this particular-occasion XXXX interrupted the call with a live customer service person that wanted to sell me on a balance transfer. I respectfully declined and stated I wanted to just make a pmt. She replied that she would be happy to help me, so we moved forward with the process. Normally the automated system would prom me if I want to make the pmt. from an already existing checking account which is what I do every time. But because the customer service person was prompted this avenue wasnt available to me. Therefore, I had to recall my checking account number and give to her directly. Which is what I did and was given a confirmation number. 
In XX/XX/XXXX because I am an owner of mortgage company my warehouse banks pull my personal credit on a quarterly basis. One of my warehouse banks alerted me to the fact that XXXX reported me 30 days late on XX/XX/XXXX. I immediately called XXXX and apparently my recall of my checking account was missing the first 4 digits and the payment was never made. I went up the customer service channel and explained to them that I never been late on any account for the last 25 yrs. I also explained to them on what exactly had had happened and asked them why if I missed 4 digits would I then receive a pmt. confirmation number? They totally understood and stated they would give me a letter stating that I made the XX/XX/XXXX payment on time. Which is exactly what I uploaded to Experian in my prior dispute. Now that it has come to this I want proof from XXXX of my late. As I called in to make the payment on time and received confirmation of it.

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 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There's a fraudulent account that's being reported by XXXX XXXX on my Equifax credit report. I've been fighting this account close to a year now with no results. I've sent in copies of my police report and FTC affidavit notarized and signed by the reporting officer and still nothing. I don't understand, if someone steals your information, opens a fraudulent account using your personal information including address, social security number ; etc, then it's should be a simple process to have the account blocked from my credit report. I submitted this same information to XXXX  and XXXX and the account was deleted immediately. Equifax is the only credit bureau that's giving me issues. I'm trying to purchase a home for my family and can't do so all because Equifax isn't helping the situation. All they keep telling me is the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I authorized payment of {$580.00} to HomePoint Financial to cover an anticipated increase in the amount of my monthly escrow payment. 

XX/XX/XXXX - My usual monthly electronic mortgage payment of {$2300.00} was debited from my checking account. 

Starting in XX/XX/XXXX my monthly bills indicated that my account was in suspense. I contacted HomePoint on numerous occasions and after I had made 3 or 4 phone calls it was escalated to a manager in XX/XX/XXXX who told me that my account would be taken out of suspense and the derogatory credit reports that they had submitted to the credit bureau would be withdrawn withn 30 days. I have not been able to confirm this at this time, however. Additionally, in XX/XX/XXXX Homepoint withdrew TWO mortgage payments from my bank account instead of just a single one on the dates below. 

XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} I contacted Homepoint on XX/XX/XXXX and escalated it to a supervisor named XXXX, who told me that he would have to research exactly why the extra payment was deducted and if I had not pre-authorized the payment, they would issue me a check by mail. After I spoke with him I contacted my bank and had them attempt to stop payment on the XX/XX/XXXX payment which they were successful in doing. On XX/XX/XXXX I called Homepoint and talked to a male who gave his name as XXXX (? ) and asked him to notify XXXX that my bank had issued a stop payment. Nevertheless, on XX/XX/XXXX I received a check for {$2400.00} because Homepoint was in error in deducting the 2nd payment, I am holding the check in lieu of instructions from XXXX. On XX/XX/XXXX I received a letter from Homepoint requiring that I resubmit the payment for {$2400.00}. On XXXX I contacted Homepoint and was told by the female representative that my account was in arears {$2400.00} and that the charge was being reversed and would be taken from my escrow account! At that point I asked to be transferred to XXXX but he did not answer, so I left my name and number on his voicemail to call me. 

I can provide all bills, bank statements, call times, and letters to document and support this complaint. I am a XXXX veteran and this is a VA loan on my primary residence. I need the help of the CFPB to stop the predatory lender practices that HomePoint Financial is carrying out against me because of their own error, by their own admission, and to restore my credit so that I am no longer financially harmed by their predatory actions. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been trying to add a bank account to pay my PayPal MasterCard bill for the past two weeks but continue to run into an error. When I call PayPal the queue is over two hours long and the PayPal MasterCard support is entirely useless and does not offer any assistance. This is unacceptable.

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 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for a Capital One credit card in XX/XX/XXXX. 

I received a denial letter from Capital One shortly thereafter, with the reason listed as " insufficient duration of credit '' attributed to XXXX ( only ). 

I subsequently requested and reviewed my XXXX report, which accurately listed the fact that I have had a single credit card in good standing since XX/XX/XXXX. 

I followed Capital One 's procedure for dispute resolution and wrote a letter explaining that the XXXX   report accurately reflected my record, and I received a letter stating that the decision on my application was final. 

Since I did not understand why I was being turned down for credit - there was no specific explanation regarding what in the XXXX  report suggested that my credit was of " insufficient duration '', I filed a complaint with the CFPB ( XXXX ) in XX/XX/XXXX. 

I received a letter in response from Capital One on XX/XX/XXXX which stated the following : " I looked into this further for you and can confirm that the decline was correct. Please understand the decision was based on information in your credit file. '' The letter did not specify what information in my credit file was used to provide the rationale for the denial. The letter further stated : " If you have questions or concerns, please give me a call at XXXX, etc. I'm glad to help any way I can. '' I subsequently called this number a total of 5 times over the next 6 weeks. I learned the name of the specific agent who crafted this letter - XXXX - and was told by Capital One that she would call back within 24-48 hours ( each time ). She never called back. Today, after my 5th attempt at calling XXXX, I was informed ( by XXXX in the " excecutive office '' ) that XXXX considers this matter closed and will not be calling me back. 

I still have no idea why Capital One denied my application for credit ( other than a claim of " insufficient duration of credit '' unsubstantiated by the XXXX  report ), and while XXXX provided a written response to my first CFPB complaint in which she offers to " help in any way that ( she ) can '', she now refuses to return my calls or speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp
State: PA

Complaint narrative:
On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.

The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: MO

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. 
My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I paid XX/XX/XXXX payment on XX/XX/XXXX and was delivered on XX/XX/XXXX transaction number XXXX   and I paid XXXX payment on XX/XX/XXXX transaction XXXX and was delivered on XX/XX/XXXXXX/XX/XXXX according to XXXX. I paid {$140.00} both times to MB Financial electronic bill pay thru my XXXX   checking accounts. Both payments have been paid out according to XXXX records and MB Financial can not find the funds. Because of this my XX/XX/XXXX payment that was due on the first is now late and missing. I sent over proof of payments as well as my bank statements to prove that the funds were in fact paid out and they are not locating the funds and told me I should resend the money that is lost otherwise payment will be late. This is not the first time something like this has happened with MB Financial. 2 years ago the payments were on auto-pay and they for some reason stopped pulling the money straight out of my account with out notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been making payments on this student loan from Navient ( originally taken out from Sallie Mae ) since 2010, every payment on time and for the correct amount. I have been enrolling in a Rate Reduction Plan as long as I have been able to, since I have almost always made under {$13.00} an hour and can not afford the ridiculous amount of money they expect a person to pay. I also have other student loans that are not private from other companies. I am a XXXX year old adult, who works full time, sometimes two jobs, in order to live. I have rent and other bills like any other person does. Navient had sent me an e-mail in XX/XX/XXXX that my rate reduction plan was ending and to contact them. I called and gave someone all my information, and I was told the computer would not accept it, because it was too soon and I still had scheduled payments, and to call back closer to XX/XX/XXXX. So I called again in XX/XX/XXXX, and was told the same thing, the computer would not allow her to do it, but she didn't know why, and to call in XX/XX/XXXX. I spoke to someone else today, XX/XX/XXXX, and I was told I could not enroll in this plan any longer, they did not know why, but I can not do it. He said they look at my credit history and other things, and I can use my 4 months of forbearance, or temporarily do interest only payments, but both options are only temporary and since I am not experiencing a specific hardship there is nothing they can do to help me. I however make only {$12.00} an hour, and work full time, and make under XXXX a year. I always pay my bills on time, and am financially responsible with the money that I do make, and it's seeming to get me into more trouble rather than helping me in this instance. I don't know what other options I have if I just do not have the extra {$400.00} dollars a month to pay them. That could be rent for an entire second apartment. I also have other student loans that equal around {$100.00}. I would like to be able to make payments on this loan, however they are not willing to work with my financial ability. I don't know what else to do. I am not able to get ahead, save up any money, or do anything for my own future. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I'm having a financial hardship and I have been unable to pay the loan. I'm getting harrassing calls to myself and family threatening an attorney action if I don't pay off the loan. I told the debt collector I didn't have the funds to make the past due amount. He said what about your check i said I paid rent am I supposed to pay the loan and not have a house to. Live in he responded yes. I'm tired of this man harrassing my family and myself by being abrasive and rude over the phone. He keeps threatening legal action unless I make the minimum payment even went as far as calling me a criminal for defaulting on the loan. I'm tired of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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, my husband and I requested credit investigations as Equifax and XXXX XXXX. Since that time, my husband has received his results, but I still haven't received anything in response. Equifax and XXXX XXXX were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received the following email today, XX/XX/18 from XXXX XXXX XXXX. I am not sure what this notice is about but I have been threatened to be sued. 

Here Plaintiff ACS ( Legal Department ) XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Defender, We are hereby informing you that my client ACS is going to file a legal case against you at XXXX XXXX. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby giving you a notice before filing this case. 


Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with company. In addition, you are incurring additional expenses to yourself and to us. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being Charged. 



( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 



( d ) Bankruptcy or liquidation You will receive a legal notice at your address within next 7 business days if this case remain unresolved. It is essential that you immediately settle this account by sending money for full amount. The consequence of ignoring this notice could be very serious. 

To settle this case contact directly XXXX XXXX and reply back to the same email. 



Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I spoke to a representative about a couple of weeks who said that they had sent information regarding their claim to the wrong address. I explained that they had the incorrect address and also that I never had a personal loan with HSBC. I tried to give the correct information so that they would send the information to me so that I could dispute it. The representative would not allow me to. They said that they would just notate that I refused to pay. I told them that they were not adhering to Fair Debt Collection Practices Act and they said that they did not have to because they are not debt collectors. They called again today with a recorded messaged saying that I was avoiding my responsibilities. I have never had a loan with HSBC. I need for them to verify the information that they are using so that I can file a proper dispute.

Company response to consumer: Closed with explanation