vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: HI

Complaint narrative:
I was a victim of fraud or breach. There is an address on my credit report from OH. Only resided in XXXX, XXXX, and XXXX. Also, multiple hard inquiries on all 3 credit agencies that were not made by me. Also an account in collections from XXXX ( {$560.00} ) already disputing Spoke to Transunion, XXXX, and XXXX via telephone. Just had dispute letters drafted, will be putting in the mail. 
The hard inquiries ; Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XXXXl XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( 2x ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XX/XX/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 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX sent mail to them and they signed on XX/XX/XXXX and heard nothing back from them. I mailed them again on XX/XX/XXXX and still I heard nothing back from them they also did not update the remarks on my credit report stating my dispute

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was contacted by phone about an 11 year old debt that I had previously tried to pay. This put me into a panic and I reached out to XXXX XXXX through the contact information provided. I was told that there was a civil lawsuit against me in the county I live in and that I was going to be charged with financial fraud. I was told If I paid the Fee of {$3100.00} on a orignal debt of {$450.00}, that all proceeding efforts against me would cease and the issue would be resolved. 
Out of fear of criminal action against me, we negotiated a payment of {$2000.00} which I paid with the understanding that that the issue was done and I have no further fear of criminal charges being levied against me. 
Now I am questioning what I have done and am inquiring if this was legal on their part. 
Did this debt have to be repaid? I was told by a representative of XXXX XXXX that the contract I had signed with USBank upon opening an account that in the tolling section there was a stipulation of no statute of limitations for debt collection.

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 2019-05-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There was a hard inquiry placed on my account. This inquiry was fraudulent in nature. However I was able to contact the vendor who ran my credit. The vendor also agreed that this was indeed a fraudulent attempt and agreed to remove the hard inquiry from my account, even going so far as to email me an official letter stating just that. The inquiry was only made with equifax. I used the equifax online dispute tool to file for removal. A few days later i received an email stating that my dispute was completed. However, upon attempting to check the results i found myself locked out of equifax.com/dispute. I then called and was told that my dispute was COMPLETE and the item on my credit report in question will indeed stay present for up to two years. I then was told to have this removed I would need a police report as if the vendors letter and request was not enough. How is this so? Where is the protection for the consumer? I then asked the equifax representitive for documentation of the policy that states that i need a police report to have inaccurate information removed. Silence. I also asked for the process in which determined that this mark on my credit report was accurate and valid. The Equifax rep stated that there will be no investigation and that there was no investigation. So what criteria was used to determine the validity of this inquiry? Who decided? And why wasnt i asked for any evidence to support my dispute? This is highly unlawful and a violation of my rights in accordance to the fair credit reporting act. In addition to the lack of examination of my dispute i was also locked out of my own file restraining me from submitting a statement on my credit file. Another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
In XX/XX/2019, Portfolio Recovery contacted me to pay off a very old credit card. 
I informed Portfolio Recovery that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Contacted by voicemail from an unknown caller on XX/XX/XXXX from a woman who claimed to be with the XXXX XXXX County Processors office to call a # regarding a debt being collected. Called # left in voicemail and was directed to XXXX XXXX of XXXX and XXXX who advised that my husband and I owed over {$2000.00} from a charged off account from Wells Fargo fromXX/XX/XXXX. I called Wells Fargo to verify the claim and they could not validate this claim. When I called XXXX back at about XXXX I requested that he please provide me with the supporting information for this supposed debt he refused to provide such information but stated that it would be revealed in court! I called the courthouse just after we hung up and gave them all of this information and they advised that it sounds like a scam! The telephone # provided for this company is 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 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a check totaling {$150.00} to pay for the cost of a Brokers Price Opinion as instructed in the letter received from my mortgage loan services ( NewRez LLC ). The check included the required notation instructed in the letter Funds are for the BPO fee required to proceed with a loan review for PMI cancellation. My check was received and erroneously posted to my account on XX/XX/XXXX as a partial principal payment instead of its intended payment for the cost of a Brokers Price Opinion. The Brokers Price Opinion was  never ordered despite my explicit instructions and timely payment. I have been charged another month in PMI, and will likely be charged again next month as I have been told by the NewRez LLC  customer service agent - XXXX XXXX - that the process to reclassify a payment can take 3-5 days. She has refused to transfer my call to a supervisor or to anyone who is able to expedite the reclassification, not willing to provide any contact information so I can follow up to ensure this is taken care of correctly. I asked repeatedly for a contact with whom to raise a complaint and this request was also refused.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Called Equifax today, XX/XX/2019. Several months ago I asked for a freeze on my account because it appeared that someone had fraudulently accessed my account. I needed to have the freeze lifted so that I could apply for a new credit card. 

I called Equifax and got a woman in XXXX who was hard to understand. She asked me a number of questions which I answered easily but then she wanted to know what credit cards I have and the minimum payment due. I told her my credit cards but said I always paid off the balance each month. She kept telling me to answer the minimum payment question which is a XXXX  question. The full balance is paid directly from my checking account each month. Moreover, the amount would fluctuate monthly. She continued to tell me to answer her unanswerable question. Finally, I asked for a supervisor but he also insisted I answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I requested a payoff quote from Flagstar online and nowhere does it state that if you request a payoff that they will not pay your escrow account, They mail you the quote by USPS and the statement they said informs you that there will be a halt to the escrow and you show know to call them and tell them to continue your escrow payment. During this time where Flagstar halted my escrow my property tax became due and them paid late by Flagstar escrow department and the late fees was {$300.00} dollars that they charged to my escrow account. The servicer is required to pay my escrow account on time so that I the consumer is not levied late fee. I feel that Flagstar should refund me the {$300.00} dollars that I was fined because they paid my property taxes late when the funds were available in my escrow account. I simply requested a payoff and this in no way should freeze my escrow account. This is an overreach by Flagstar.

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 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
I paid the XXXX XXXX XXXX XXXX people to negotiate with my lender for my loan modification ... .... and theyve ask me to pay {$16000.00} dollars up front, they say this will served as a bond and would be refundable after the loan modification is done. This was way back in XXXX. And then last year if Im not mistaken XX/XX/XXXX, theyve ask me to pay another {$6500.00} dollars for their legal team to handle my loan modification. Then sometime in XXXX of the same year, they send me a confirmation letter that the said modification was already been approved and theyve asked me to pay in advanced the 3 months probationary period so that according to them they can be able to negotiate for a lower monthly payment, which I did.I paid them more or less another {$7000.00} dollars.Then after 3 months I called XXXX XXXX, XXXX aka XXXX XXXX and a certain XXXX XXXX XXXX, that the probationary period already ended and how come I havent received any regular billing statement from the lender. Theyve told me that I was lucky because the lender doesnt ask me to pay anything yet and maybe theyre still evaluating my monthly payment and they assured me that nothing to worry about cause my case are well being taken cared off. I went spoke to them last XXXX of this year, I even told them that one of this days I might receive a foreclosure notice from the lender, and they assured me that thats not going to happen. Then after a month, sometime in XXXX the thing that Im worrying about happened.I received a writ of ejection notice from the lawyers of the bank. And I tried to call this people but can not reach them, I think they de-activated their phones. So I still try calling their office and to my success I was able to speak with XXXX XXXX XXXX, Ive ask him why I couldnt reach XXXX XXXX, he informed that shes in XXXX cause the in law is dying, I told him that what I know she was divorced from the previous marriage and he told me that was the boyfriends mother.Ived told XXXX that I feel like Im getting scammed, he told me theyre doing everything and will update me.Ived waited for their update but it doesnt happens.So I decided to call them again but to my dismay the only thing I got when I dialed their number that it was temporary out of service. Now to hold the foreclosure proceedings for the meantime, I filed a chapter XXXX bankruptcy.Tomorrow XX/XX/XXXX, Ill be attending the said hearing at around XXXX XXXX Hawaii time. With this problem that Im facing right now, I wish that your good office can help me negotiate with Mr. Cooper ( XXXX ) to be able to secure the loan modification that Im trying to for the past 3 years. Hoping that you could help me save my property from foreclosure. Looking forward for your help. Thank you very much in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: DC

Complaint narrative:
I have been a customer of XXXX for many years. I've never been late on one payment. They failed to process my annual income certification for IBR, which created a cascade of problems. Most recently, the company has reported my account as " Payment Deferred. '' I never once have requested a deferment or forbearance. As a result, my credit score has decreased. The company is so bad at addressing problems that itself has caused. I've had no less than 10 separate calls to customer service reps who have never been able to fix or address any issues - and in fact just create more problems. Now, my credit is damaged because of something the company did without my consent or request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened my Chase account XX/XX/2017, I have been making the payment on time since 2017. Last year, I had a minor XXXX and I was unemployed for six months, it kept me so behind on my bills since I didn't have a job. I explained this situation to many chase reps and asked them to help me with my financial crisis. I also asked them to waive the late fees and also reduce the interest charges because it's too hard to pay off with my situation. They refused to waive the late fees which is {$37.00} and also refused to waive the interest charges. Now, my balance is {$9100.00} and I started my card with {$8300.00} limit. My minimum payment is {$1800.00} and it keeps showing on my credit report as a delinquent account. I spoke with many people and they all are helpless. They do not help at all on the other hand, XXXX XXXX really helped me out when I was in a same situation. 

I can not pay such a high amount because I don't make much and I am also an XXXX XXXX so it's super hard to pay off the whole balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/2019, XXXX XXXX contacted me to pay off a very old credit card. 
I informed XXXX XXXX that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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:
This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Our home mortgage loan was transferred from XXXX XXXX XXXX , XXXX to TIAA BANK, effective XX/XX/19. 

I set up a user name and password to access my account and was successful in doing so. I visited my account several times after the initial establishment of online access, but one day I could no longer log in to my account. I contacted customer service and I was told the reason for this problem : TIAA BANK can only be accessed with XXXX XXXX and my XXXX XXXX browser was incompatible, but their I.T. Dept. was " working on it ''. I was told if I wanted to gain access to my account, I should download XXXX XXXX. 

What gives?? I've NEVER heard of this from any company I do business with. It appears that TIAA is trying to steer me to use XXXX XXXX This sounds ludicrous, dishonest and possibly illegal. I don't want to download XXXX XXXX or anything else. I contacted TIAA through social media today again, after I tried to login to my account with no success. A CSR contacted me after a few hours, only to apologize for the situation and that their I.T. Dept. was still working on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: TN

Complaint narrative:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

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 2019-05-14 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: TN

Complaint narrative:
They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Called from local number XXXX-XXXX-XXXX and threatened to come to place of work for a signature, requiring a supervisor or HR rep from my company present as a witness. Left callback number of XXXX-XXXX-XXXX. Message was a recording, exact wording as such : I'm a private carrier contacting you in regards to a sealed document that requires a signature from you they are scheduled to be delivered and presented to you at a place of employment or residence within the next 48 hours between XXXX XXXX and XXXX XXXX please make sure to have two forms of valid ID and A witness to sign off on the document if you happen to be at a place of employment you will need a supervisor or HR representative to sign off as a witness if you have any questions or would like to place a stop on the service please contact the filing party immediately at XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation