vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On or about XX/XX/XXXX I filed a complaint with Navy Federal Credit Union regarding two purchases made. These purchases were made to buy airline tickets with two airlines ; XXXX XXXX and XXXX XXXX. Navy Federal Credit Union is failing to properly investigate my claim. When they resolve my claim, they indicate that I used the airline tickets when in fact I did not. 

The disputed transactions are : XXXX XXXX on XX/XX/2018 for approximately XXXX XXXX XXXX ( approximately {$100.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

XXXX XXXX on XX/XX/2018 for XXXX EUR ( approximately {$160.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

Neither of these two tickets were used. XXXX should ensure the airline is referencing these two tickets when disputing the transaction. 

I furnished documentation proving that I cancelled these two tickets and the airlines agreed to issue a refund. Nevertheless, XXXX continues to claim that I used the tickets. I believe their confusion may be that I did purchase two other tickets with the same airlines after these purchases were made, but they are either disputing the wrong transactions with the airlines or the airline is giving them the incorrect information on the used ( but not cancelled ) tickets.

To be clear, there were four tickets purchased. Two were used ( and are not disputed ) and two were cancelled. 

I have asked for a representative who handles the dispute to contact me, but I do not receive a phone call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02 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: MI

Complaint narrative:
I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
My mortgage was transferred to HomePoint Financial ( which identifies as a debt collection agency ) in XX/XX/2018. I called them and was told that they would reconcile my last payment with my previous lender, and there would be no issues for 90 days. In XX/XX/XXXX, I began receiving daily calls identifying a missed payment. I have provided evidence of all my timely payments to them, via email, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after lengthy calls with their representatives. I have evidence that a monthly payment that was received and deposited, and have provided evidence of checks that have cleared. I have also provided a spreadsheet of my payments. 

Their response to my evidence is to provide a listing of payments that match neither the actual amount paid nor the timing of the payment. Please see the attachments below for detailed evidence. 

HomePoint Financial has been terrible to work with. You can never speak with the same representative, no one can tell you if your issue is resolved, and it is now three months of frustration. They are asking for late fees when none are due. I am worried about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello - I am at my wits ' end with Experian, trying to lift a long term credit freeze. 

1 ) On XX/XX/18 printed and mailed this online form from Experian to lift the fraud alert from my credit file with them : XXXX XXXX XXXX 2 ) I subsequently received a letter dated XX/XX/18 from Experian saying THAT THEY WERE PLACING A FREEZE on my credit file - THE EXACT OPPOSITE OF WHAT I ASKED FOR.

3 ) I then received a letter from Experian dated XX/XX/18 saying that they would unfreeze my file if I mailed them certain documents as proof of ID and residency, etc. 

4 ) I sent a letter with the documents and information Experian requested on XX/XX/2018 5 ) I  then received a letter from Experian dated XX/XX/2018 enclosing a credit report but with NO INFORMATION OR CONFIRMATION THAT THEY HAVE COMPLIED WITH MY REQUEST AND REMOVED THE FRAUD alert. 

Experian 's apparent incompetence is honestly getting farcical and impossible to work with : A ) They make it next to impossible to call them ( there is no phone number on their website and never any phone numbers in their letters ) B ) I have spent appreciable amounts of money snail-mailing them repeatedly via certified mail. 

C ) I need to apply for a credit card and the fraud alert is impeding me from doing so. 

Action Required : i ) Remove the fraud alert as requested ii ) Send me a letter confirming this has been done iii ) Send me {$30.00} to cover my mailing costs to them.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I switched phone carries from XXXX to XXXX. XXXX paid the rest of my phone and i had some charges left over for accessories that i had. On XX/XX/2018 the rest of the balance owed to XXXX was paid. The check cleared XX/XX/2018. A few months after i started getting calls from a debt collector several times a day but never recieved any mail saying something was owed. I thought it was a scam becuse I paid all my bills. Recently i tried getting a credit card and was denied saying I had something in collections. When i talked to the collections company they said it was for XXXX. I went to XXXX to see why they sent me to collections when I paid the remaining balance on my old account. When i went in store it showed I did pay the remaining balance but in their system it showed that the account was only just cancelled not cancelled in XX/XX/XXXX. Then after about 7 months of my account actually being canceled they charged me for a months bill to a phone that was no longer in service and a phone number they no longer had. I sent a dispute into the collection agency since XXXX said it was out of their hands. I had to send it several times since they kept saying they never got it. When they reviewed my dispute they said it was still due in full. I should not have to pay for something that is not my fault. XXXX made an error which I have proof of and yet the collection agency says i still have to pay.

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 2018-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
XXXX County Nevada isn't given my ( Tax-Exemption ) to Freedom Mortgage at all. Now Freedom Mortgage Coming after me for Tax payment. As they gave me my Parcel # XXXX, and Tax-Exemption # XXXX still not given to my Mortgage Company over a year since XX/XX/XXXX. Why are they doing this to us, deemed to be a breach of information wise. Please ; I need help to relegate this unrighteous Dominion and Unscrupulous practices and conduct by such a County ... .. '' XXXX County '', Nevada.. 

I am XXXX XXXXt XXXX Veteran. since XXXX.

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 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Pay pal and XXXX held funds without my authorization, in doing so they have caused me Financial Deformation. It is now XX/XX/2018 and my funds have been held for a week and I have to ship .XXXX XXXX XXXX XXXX to the buyer but I am unable because my funds are being held without my authorization. Spoke with XXXX representative, XXXX had see refused to release my funds after she verified, delivery of product. 

Paypal payment address is XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$75.00} Print shipping label Add tracking info Contact XXXX XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$86.00} Track Shipment Contact XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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: TX

Complaint narrative:
XXXX XXXX XXXX,,, collection agency XXXX XXXX XXXX XXXX. 
Balance {$57.00} Highest Balance {$57.00} OpenedXX/XX/2014 ( 4 yrs, 3 mos ) Account statusOpenType -- XXXX XXXX  NameXXXX XXXX XXXX I have a doctor in XXXX, Tx .... XXXX XXXX. I pay for all office visits out of pocket. The XXXX XXXX XXXX have the wrong information. I do not owe them anything and want this negative remark removed from Equifax and XXXX. XXXX already deleted it. Incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I started the loan modification in XX/XX/XXXX, theyve misplaced several documents, asking for documents 2 or 3 times. I had to complete the application 2 times now, the underwriter seems not to understand self employment. There is still no decision. 15 years ago we were victims to Predatory lending. Weve made every payment and not decided to short sale or foreclose. But the interest on the mortgage keeps going up, which we cant afford. And now principal will become due in XX/XX/XXXX. Were just asking for the interest to be frozen for a few years until our house is worth what we paid for 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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30/60 DAYS ; XX/XX/XXXX - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 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: PNC Bank N.A.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX On XX/XX/2018 I noticed in the morning an overdraft was going over the weekend so I deposited more then needed to cover the check and as I deposited money it deducted the money from my deposit so I felt all was good. The next 2 days on XX/XX/2018 my fee was added I made the deposit prior to XX/XX/2018 but the bank doesn't credit it the same day even though they told me it was.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements. 

XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The  company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 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: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a letter from Wells Fargo Home Morgtgage a couple of weeks ago indicating that their escrow ananlysis indicated an upcoming escrow shortage of {$490.00}. I agreed with this analysis and immediately called Wells Fargo Home Mortgage to advise them that I would be mailing them a check for {$490.00} to cover the escrow shortage. I subsequently made my monthly mortgage payment ( which includes escrow ) by the XX/XX/2018 due date. The separate check for {$490.00} was received by Wells Fargo and was reflected as having been cashed by Wells Fargo according to my bank.

Today I received a statement for the XX/XX/XXXX payment from Well Fargo. It omits the fact that I paid the escrow shortage of {$490.00} and my subsequent XX/XX/XXXX payment ( and every payment thereafter ) is higher than it should be. I immediately called the Customer Service Department at Well Fargo and they could not confirm receipt of the check for the {$490.00}. I advised them that I can see through my banks online banking features that the check was cashed by Wells Fargo. I was told they would look into where the {$490.00} went.

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 2018-10-02 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:
In 2018, disputes letters were sent to Experian, XXXX, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

Experian Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated

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 2018-10-02 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: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XXXX XXXX. It is now XX/XX/2018. I sent the XXXX XXXX-XXXX and all XXXX credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation