vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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: FL

Complaint narrative:
On XX/XX/XXXX Equifax received my certified letter to investigate collections accounts on my credit report, to verify validity, provide original creditors, person contacted for validation etc. to date I have never received any information from Equifax. In fact it has been almost 60 days and my accounts say under investigation. The fair credit act states if the debt can not be validated in 30 days they must be removed. 
Also common wealth is a third party collection company who has sold the debt. The credit laws state old debt collections must be removed when requested by the consumer. I have requested this be removed, with no response or removal. I had several hard inquiries on Equifax which I did not give approval for. I requested in writing these inquiries be removed. To date they remain on my credit report from Equifax. 
Equifax has all the wrong balance ps on my open accounts. My credit score has not changed from Equifax in months. The Equifax credit score is over 100 points lower than my other credit reports from XXXX  and XXXX. 
This is causing me unfair and unnecessary financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GB Collects, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I enrolled in XXXX  insurance with XXXX of New Jersey. In XX/XX/XXXX I started work again and obtain insurance from my work. I called XXXX to cancel the coverage in the same month with the intention to cancel the entire month. Due to miscommunication or lack of proper communication from both sides they used the date I called as the cancellation date. I don't have any confirmation from them that of what date they used to cancel the coverage nor did i received further bills or invoices. If i had I would have corrected the above mentioned miscommunication. On the first week in XX/XX/XXXX I received a letter from the GB collects demanding the payment of {$600.00}. I immediately called GB collects. I explained the above and they suggested I called the market place XXXX to request the cancellation date to be turn back to XX/XX/XXXX ( one month ) as I was cover by my work insurance from XX/XX/XXXX. They refuse to change and told me i had to call XXXX. I called XXXX and they told me I had to open a written complain in their website. I tried doing that but the website said this kind of complain had to done by calling the number above which i already called and they did not help me. I don't feel I should pay for something I did not need and never used and especially after almost 2 years have passed since then. Hope you can help. Thank you. XXXX XXXX

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Newman, Hesse & Associates, P. A.
State: IL

Complaint narrative:
Newman, Hesse & Associates garnished my wages in XX/XX/XXXX while working at XXXX XXXX for {$2000.00}. Upon completion of payments I was sent a Release Of Garnishment, evidenced in the upload.

Today XX/XX/XXXX I received a letter of garnishment for the exact same case number that was paid in XX/XX/XXXX as evidenced via the upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I paid for the rent cancelation of the amount of {$5600.00}. I was an authorized user on the account at that time. My husband disputed the transaction. I talked to XXXX  onXX/XX/XXXX at XXXX XXXX  the Discover representative and she told me that I am no longer on the account so I can do nothing about it. I made a transaction when I was an authorized user. If they let him dispute all my

transactions in all the years that I made it that would be incorrect. I have an invoice for the transaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My automatic payment on XX/XX/XXXX inexplicably went to a bank account that had been closed for 6 months and that was deleted from my payment profile for this card since XX/XX/XXXX. As a result, the payment did not go through. Due to this, I was charged {$85.00}. I think this was a system malfunction at citibank NA ( in fact all previous payments, automatic or otherwise, had been debited from the correct account since XX/XX/XXXX ). Citibank has been slow to resolve this issue.

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 2020-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan is with Shellpoint Mortgage Servicing They are collecting escrow account to pay for property tax and insurance. However, they missed payment my first property tax bill. I called them four times and wrote an email to beg them to pay but they just ignored me. The county sent me tax delinquency notice. Every time I called they sounded like I bothered them. They kept promising to set up payment. Until now, they did not make payment to county tax at all. I demanded all my escrow fund to return to me so I can make payment by myself but they refused. They even asked me to pay my own property tax while they hold close to 10,000 of escrow fund and doing nothing. Now that the 2nd tax is due I am afraid they just accumulated the escrow fund and my money would be gone. I do not have that much money to pay property tax and pay them every month into the escrow account.

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: NV

Complaint narrative:
These are not mine. Please remove them immediately.

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 2020-02-15 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: U.S. BANCORP
State: IL

Complaint narrative:
Around XX/XX/2019 I filed a dispute with Elan Financial who services my Fidelity Credit Card. The dispute was in regards with a payment made on XXXX using the Fidelity credit card. Around XX/XX/2019 I received a provisional credit of {$1400.00}. The very following day my credit limit was reduced from {$3000.00} to {$1400.00}. About one week later the dispute was not found in my favor and the provisional credit was removed from account. My account balance went back to the original amount that slightly shy of {$3000.00}, my credit limit was now {$1400.00} instead of {$3000.00} so I was {$1600.00} over my credit limit and they wanted payment of the entire amount in one month. They are clearly in contravention with the spirit of that law which states that your credit limit can not be lowered beneath what your balance is, assuming you are not over the limit. I spent over 90 minutes on the phone with Elan financial, receiving no solution beyond pay {$1700.00} today. The point of the credit card is to spend and make monthly payments, not to simply owe over 50 % of your balance in one month. 

Also my credit report shows that I was 30 days past due in XX/XX/XXXX, despite the fact that the provisional credit covered my minimum payment before the cut off. I did make the minimum payments required for XX/XX/XXXX, but ceased form then on since I was being asked to pay a sum over 50 % of my {$3000.00} credit balance.

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 2020-02-15 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: NV

Complaint narrative:
These are not mine. Please remove them immediately.

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 2020-02-15 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: NV

Complaint narrative:
These are not mine. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: NV

Complaint narrative:
These are not my accounts.

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 2020-02-15 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: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: WA

Complaint narrative:
In XXXX my partner XXXX  from XXXX. He deeded the house over to me. I started with XXXX and then XXXX XXXX and then XXXX. I was sold to XXXX XXXX last year. I was paying mortgage under my partners name. In XXXX a Gang stole my back up fund of cash. I failed the mortgage payments. I was turned over to Loan Care. I am almost XXXX and XXXX with XXXX  problems. Loan care just informed me I have a second mortgage on my home for {$75000.00}. They informed me it was XXXX XXXX debt and I have to assume it. Was created in XXXX. I said no they had forgiven the debt. Representative said talk to XXXX They are not available due to insolvency. 

I have talked at great length with XXXX XXXX and Loan Care. They are rude and over ride my every word. Loan Care did a loss mitigation plan and it works out more than my old payment. They also charge {$10.00} dollars daily for late charges. XXXX XXXX is an awful company.

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 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Today, XX/XX/XXXX, I tried to get my free credit report from Equifax using their online request system. After providing the requested information I received the message " Online delivery unavailable ''. I tried calling them and I get an automated system which says they can not find me in their system. I have tried this before several times. I have also carefully and fully mailed them all the requested information twice and been told they can not find me in their system. I know I have been in their system because I place a credit freeze on my Equifax report in XX/XX/XXXX and XX/XX/XXXX. I have attached confirmation documents from Equifax showing this. Yet now, when I try to unfreeze my credit, they say they can not find me. This has prevented me from opening an account at a credit union. I have a credit card, I have no outstanding loans, I always pay my bills on time. And I buy things with my credit card and am never behind in my payments. I am the secondary on my wife 's card and Equifax can't find her either. I want to be able to access my Equifax credit report and unfreeze it, if it is still frozen. Please help us get access to our credit reports and find out why we can't, and why no one else can either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am writing again about Ace Cash Express debt collection tactics. I was contacted today, XX/XX/XXXX by a woman calling from XXXX saying that she was calling about a court case and that I needed to call XXXX case # XXXX or officers would be at either my home or job by the end of today. I didn't call the number because it seemed to be a scam. I then got a call from my mother and she said she got a call from someone saying that I was being sued and will be arrested if I didn't call the same phone number. My mother was very scared and upset. I called the number back only to find out that it was someone calling about a XXXX loan that I got from them in XXXX. She said the with interest and fees the amount owed was XXXX. She then said that because they are having to sue and file fraud charges against me that I will now owe over XXXX I told her that they couldn't do that, and that I would not be paying it. She then kept repeating the threats of court and arrest until she ended up hanging up on me as I told her that what she was doing was illegal. I have now gotten a call from my ex-husband who lives in Tennessee saying that he received a voicemail message on his cell phone saying that there was a court case against me and for him to tell me to call them. We have been divorced since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
DATE:XXXX-20 COMPANY : XXXX XXXX XXXX Michael J. Scott XXXX XXXX XXXX Scott & Associates , PC ISSUE : Ive NO CONTRACT with these entities and have been disputing this for some time as your files will show. As soon as I disputed here they illegally noted derogatory trade lines on my credit.They also illegally impersonated an officer of the law showing up to a residence and spoke to people they believed associated with me fully disclosing procedures against me. They violated numerous FCRA FTC and TILA Statutes by way of not responding to over 33 written certified correspondences from myself asking them to verify and provide information specifically requested which they refused to do. During this time they filed a lawsuit against me where I do not reside serving someone else. Thankfully I was alerted of this information and filed a motion to quash service of summons and motion to dismiss.I also filed a complaint with the attorney general as well as the FTC and Federal Reserve. On XXXX-20 they legally DISMISSED all allegations ENTIRELY against me by way of filing with the courts. MY CREDIT REPORT IS INACCURATE NOT REPORTING THIS AND NEEDS TO BE FIXED IMMEDIATELY. I PLAN ON FILING FEDERAL RICO CHARGES FOR THEIR CONTINUING CONSPIRACIES AGAINST ME SHOULD THIS NOT BE REMEDIED ASAP.PLEASE REQUEST THEY PROVIDE YOU WITH COURT DOCUMENTS SHOWING THE INACCURACIES AND THAT THEY REPORT TO XXXX  XXXX  AND XXXX  ALL EQUALLY WHICH HAS SIGNIFICANTLY BEEN LOWERED BY INACCURACIES AND LOWERED MY FICO.I REITERATE I DO NOT HAVE A CONTRACT WITH THEM AND THEY HAVE AGREED BY FILING WITH THE COURTS THEY HAVE DISMISSED ALL ILLEGAL ACTIONS UPON MY CREDIT WHICH HAS YET TO BE REMEDIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am trying to purchase a second home through quicken loans. They are requiring a relocation letter from my employer even though it is a second home purchase and I am not relocating. Because of this they have decided to deny my loan. I have tried numerous times to get in touch with my loan officer, and his team lead, and they have been suspiciously unresponsive. I have tried as best as I can to reason with them and come up with a solution but they have been unresponsive and unwilling to work with me. They chose to tell me this 14 days before the closing date of my purchase agreement not leaving me enough time to go through another lender. They have been extremely unprofessional and have not communicated well throughout this entire process. I have spoken with other loan officers with other lenders and no one can see why a relocation letter would be required for a second home. It was also never once mentioned as a possible need before the loan application was submitted to underwriting that a relocation letter would be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I made 3 payments. XXXX did not apply my payments correctly because of that they left my money I paid in limbo making it look like I was on schedule with my payments. Then in XX/XX/XXXX they sent money back to me that I paid. Causing me now to be behind in payments due to there neglect in apply my funds properly. So they are reporting me as delinquent and saying I owe money to make sure I am up to date. I called and tried to talk to them and all they wanted to do is blame me and take no responsibility. To this day they are harassing me about it. They act as if they report to no one and I feel like I am being bullied by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I need help with my Federal Student Loan Servicer. They are not correctly applying my payments towards my PSLF. I've been in repayment since 2015 on IBR and REPAYE and working for a non-profit educational institution. I sent them two PSLF documents verifying my employment, and they are claiming I only made 15 payments over a 5 year history. It's been so frustrating they I've resorted to unprofessional means of sending multiple emails a day, angry in tone and admittedly with foul language. I also submitted a request for a legal last name change that they never responded to or updated my account. I'm ready to just default at this point. What is the use of working in public service and watching your debt just grow and grow and grow. It's almost as though they are intentionally NOT processing these applications. I have done everything asked of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 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: Klima, Peters & Daly, P.A.
State: NY

Complaint narrative:
I was not properly served and no longer live at the address that the courthouse has for at least the last 7 years. My ex mother in law called me about a month ago stating that she had received from the courthouse with my name on it and if I wanted her to open it. Otherwise I would have never known. I tried calling the law office of peroutka and peroutka to figure out what was going on. The lady that answered the phone was very rude and unempathetic. I asked if there was any way to stop this wage garnishment that had gotten approved 8 years later and told me that the only way to stop it was to pay the amount of almost {$2000.00}. In the last 8 years I have not heard or received anything from them at all and she was also going to send me a copy of the judgement to my current address which I still never received nor a copy of the wage garnishment. I am a single, divorced mom that has bills and expenses to pay for a teenage daughter and is going to definitely cause a financial hardship. I also currently have 2 credit cards currently with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
I have been in contact with Transunion yet they have ignored my request to delete accounts that are fraudulent on my credit file thatchy maintain.. Not only was I not aware of the accounts XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX neither have never given me notice to dispute the validity of these account before inserting it into my credit file. I am formally disputing these account once again as I am a victim of identity theft and this account is a result of thereof. Please remove these account from my credit file that you maintain.

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 2020-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive contacted capital one numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.

Company response to consumer: Closed with explanation