vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On multiple occasions I have attempted to dispute fraudulent charges and transactions on my account ( s ), I spoke with a representative from my financial Institution on Thursday XX/XX/2019. I advised them of the following situation, which permits my ability to file as a victim of identity theft, I advised them that on XX/XX/2019- I made a purchase on my account, that was the last purchase that I authorized on that account, Since then I have not made any purchases on that account, Aside from ATM withdrawals, and managing the settings and preferences on that account, the following transactions are the said unauthorized transactions. Date varies as well as transaction amountsXX/XX/2019- {$8.00} XX/XX/2019- {$9.00} XX/XX/2019- {$10.00} XX/XX/2019 - {$39.00} XX/XX/2019 - {$20.00} XX/XX/2019 - {$160.00} XX/XX/2019 - {$30.00} XX/XX/2019 - {$86.00} XX/XX/2019 - {$99.00} XX/XX/2019 - {$58.00} XX/XX/2019 - {$120.00}XX/XX/XXXXXX/XX/2019- {$5.00}XX/XX/2019- {$27.00} XX/XX/2019- {$16.00} XX/XX/2019- {$22.00} XX/XX/2019- {$18.00} XX/XX/2019- {$24.00} XX/XX/2019- {$17.00} XX/XX/2019- {$11.00} XX/XX/2019- {$2.00} XX/XX/2019- {$1.00} XX/XX/2019- {$8.00} XX/XX/2019- {$1.00} XX/XX/2019- {$12.00} XX/XX/2019- {$12.00} XX/XX/2019- {$6.00} XX/XX/2019- {$80.00} XX/XX/2019- {$16.00} XX/XX/2019- {$8.00} XX/XX/2019- {$18.00} XX/XX/2019 - {$2.00} XX/XX/2019 - {$12.00} XX/XX/2019 - {$4.00} XX/XX/2019 - {$6.00} XX/XX/2019 - {$21.00} XX/XX/2019- {$6.00} XX/XX/2019 - {$10.00} XX/XX/2019 - {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage/XXXX  XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that Shellpoint was not reporting my mortgage payments to the credit bureaus. In 2017 Shellpoint reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, Shellpoint removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to Shellpoint. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that SHELLPOINT MORTGAGE/XXXX XXXX   WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that Shellpoint did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could Shellpoint not have knowledge that my mortgage was not a part of the Chapter XXXX??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
We contacted Quicken Loans Inc. for a cash out conventional refinance. After discussing rates, terms of the loan, etc. we signed a deposit agreement that states, " If your application is denied of withdrawn, for any reason, we will refund your deposit minus the actual cost of your appraisal and credit report. '' We paid our deposit of {$500.00} with a debit card. 

Quicken sent an appraiser out and the appraisal we received was factually incorrect ( acreage, structures on the property, rooms in the home, and square footage ). We were prepared to contend the appraisal and report the appraiser to the XXXX XXXX XXXX XXXX in Missouri. We requested another appraisal or a refund. Quicken denied our request to send another appraiser and denied our request for a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: B and F Capital, DBA    H and H Legal Support Services,    DBA Paid in Cash
State: OK

Complaint narrative:
Received a 30 days notice from H & H legal support services attempting to collect a debt for a car repossession. I did speak with them and advised I would take the car back if possible since the collection was for the full amount of the original sale they got back with me saying the shady, dealer had already sold the car. I proceeded to still keep my arrangement and made the 1st payment to them. I am legally only supposed to pay the difference they sold it for and this agency should only be charging me the difference. I did not receive any other update or letter with the correct amount and when asked they said this was a new customer and they were not aware of certain things!? Good customer service is not there strong suit and apparently proper collection methods either. They are quick to collect and send letters and threaten small claims and garnishment of wages but do not even have the correct information to proceed to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ERC
State: OH

Complaint narrative:
XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. 

The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. 

I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I  'm sure she's aware of that. Her behavior was very suspicious. 

She gave me this reference # XXXX Is there any thing else I can do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
XXXX XXXX has been trying to say that I spent, in excess of {$800.00} to XXXX XXXX XXXX in XX/XX/XXXX. I did No such thing and I believe they are a fraudulent company that got ahold of my identity. I can't even get a small loan from my local bank. This is embarrassing and I might lose my house because of this fraudulent claim on my credit. Please contact XXXX XXXX at XXXX That is who my bank told me to call when I was denied a simple loan. Check my clothes!! I have XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MA

Complaint narrative:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NJ

Complaint narrative:
I have been trying to refinance my second mortgage with Provident Funding. They originally had my first and second mortgage and sold my first mortgage to another company. The second mortgage which I thought was a fixed term is a balloon payment due in less than 2 years now. They refuse to work with me and refinance this mortgage to make it a fixed term. After going back and forth for many months they now tell me they will refinance my mortgage if I do my first with them. This is unacceptable because they sold my first mortgage to begin with. Now they want to charge me full fees in the amount of {$3000.00} in closing costs plus a {$550.00} appraisal fee to make this happen. The only other option is the second mortgage will default when it come due which Provident is aware of and they said they may help me or work with me when I default. This is the most outrageous thing I have ever dealt with when dealing with a financial company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Westlake Services, LLC
State: TN

Complaint narrative:
XX/XX/XXXX Prior loan from Westlake Financial that was charged off in XX/XX/XXXX, still shows a balance owed to thrm of {$1500.00} on my XXXX credit report. I discussed this issue with them in XX/XX/XXXX thru XX/XX/XXXX to get this mistake fixed and was told this charge off and balance would be removed due to car being sold at auction by them. Recently I applied for a personal bank loan and was denied due to this severely derogatory listing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MA

Complaint narrative:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MA

Complaint narrative:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.

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 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
- {$380.00} payment from XXXX XXXX was received on XX/XX/2019 and cashed out to my account which should have happened on Tuesday, XX/XX/XXXX. I contacted my bank and they said they did not receive any payment from the cash app. 
- my cashtag is XXXX XXXX and my phone is XXXX - Senders cashtag is XXXX XXXX and her email is XXXX -I am the recipient and my email is XXXX and my phone number is XXXX - Transaction : {$380.00} on XX/XX/XXXX at  XXXX cashed out to Bank Account XXXX - Date : XX/XX/XXXX payment was received, XX/XX/XXXX payment was cashed out to bank account -The money never got to my bank -Cashapp provided an ACH number that my bank couldn't trace and was fake. The cashapp stole my money and blamed my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems Inc is reporting inaccurate information my XXXX & XXXX credit report after several attempts to address the inaccuracy. 

I asked the National Credit Systems if they reviewed the documents that were sent to me about the debt and they said they understood the discrepancy but they are not required to verify information, they just send the information to the Credit Bureaus to satisfy the request. 

National Credit Systems told me to contact initial creditor for inaccuracies, the original creditor sent my requests back to collection agency. 

XXXX representative refused to enforce my legal rights of reporting incorrect information to my credit profile and agreed with the illegal practices of National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I was in Chapter XXXX that included my mortgage company Flagstar bank. On XXXX XXXX, my chapter XXXX plan was completed and fully discharged. I received a letter from the attorneys representing Flagstar bank stating my balance was XXXX dollars and to resume my payments directly to the bank as normal. I have paid every month on time since XX/XX/2018. Since then Flagstar claims that I am one payment behind from when I was still actively involved in Chapter XXXX despite paperwork stating other wise. I sent them the necessary paperwork proving that my balance was XXXX dollars at the time of my discharge. On XXXX XXXX, I received a letter from Flagstar bank admitting to their error and stating they would fix it. As of today, the problem still has not been resolved. They are now reporting late payments to all three credit agencies and reported late payments while in active bankruptcy. I have called them on several different occasions and never receive a call back that the problem is resolved. Instead I receive automated messages that my payments are late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Our mortgage payments are handled through our online bank. We normally send Ditech $ XXXX/month, which is above the monthly payment. We have never been late and have never missed a payment since we got the mortgage in XX/XX/XXXX. We sent Ditech 's Escrow department ( XXXX ) a check for {$100.00} in XX/XX/XXXX, to cover the increased escrow cost. Instead they applied the funds to our principal and raised our monthly payment by {$9.00}. This is not the first time they have done this. Secondly, we sent a letter dated XX/XX/XXXX, requesting PMI removal and authorized the appraisal of our home at our expense. We received a letter dated XX/XX/XXXX denying the cancellation of PMI stating that our mortgage is " scheduled to reach 80 % LTV XX/XX/XXXX. '' Before we requested cancellation in XX/XX/XXXX, we checked their policy and there was nothing about " 80 % loan to value. '' We are both retired and feel that if these actions are not unlawful, they are unethical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page XXXX attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation