vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have consistently stated amount of debt on capital one CC was incorrect and has had a XXXX balance for over a month. Neither XXXX  XXXX  or XXXX   seems to correct there score and debt owed. I paid down on XXXX XXXX   {$7000.00} on car loan with a balance of {$2500.00} approximately and they refuse to correct They bounce my credit score up and down 20-50 points every few weeks. I report they sometimes fix but the next reporting period drops down for NO apparent reason Please let them know

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2014 I applied and approved for a credit card with capital one, I had just been discharged from XXXX XXXX and had a small parttime job at XXXX. There was a time when I was unable to pay. I was homeless, and I was doing everything I could to get to a better place in life. I was more than 150 days late. Since that date, I have only missed one payment due to not having cellular access in the middle of a military training event. For the last three years, I pay my statement balance in full, and I have maintained a responsible history. However, this card is hurting me now after so much time. I have called Capital One many times, asking if they could do a goodwill service and forgive the late payments considering my exceptional payment history after my life hardship. I have asked for credit limit increases and was also denied and told that this can only be done on the app. The app automatically denies my request. But I can't increase my credit score if I  have these negative items on my report. I would like to continue being a capital one customer. However, no one has been able to help me improve my relations with CapitalOne as a future customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2019-12-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On Monday, XXXX, I emailed my mortgage company to request a payoff, as I am considering selling my home. Using the email located in the lender 's portal, I emailed my request for a payoff statement. The email bounced back as undeliverable. I did my due diligence and made sure the email address was correct. It was. The email address in the lender 's portal for payoffs is not an active email address. I then forwarded my email to every email address on the lender 's portal that I was able to locate, asking that they please contact me or provide me with a correct email address so I may obtain a payoff. 

To date, I have not received an acknowledgment or response from the lender. I am entitled to this information. This appears to be a deliberate action by the lender which is artfully designed to not provide payoff information on their mortgages and the practice is unprofessional. I do not know if this violates any banking laws but I do know I am entitled to obtain a payoff from my lender. 

I would be grateful for some assistance. This lender is : PHH Mortgage ( formerly Ocwen ) who has been guilty of a myriad of violations in the past ( i.e., class action lawsuits. ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a HELOC with the respondent. The account number is XXXX. 

The mortgage repeatedly is past due despite the fact that I have consecutive monthly withdraws sent from my bank. This time I caught the annual fee, which I swear was not disclosed during the application process. The respondent swears that I have an outstanding payment of {$130.00}

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 2019-12-07 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2019-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My husband lost his job and he was without a job for 8 months and the mortgage went from XXXX to XXXX because we didnt do the start program. We started the process of the loan modification and we made 3 payments in a roll. One day we received a letter saying that we going into foreclosure. The letter include the name of the case manager with an extension number we started calling and we couldnt reach him so when other representatives answers the phone they cant give you information about our case. One day finally other case manager tell us that the modification process was denied because we have a hold in the tittle. The house was purchased in XXXX and the hold was for a ticket in XXXX. We put 20 % of down payment. So they tell us to started the process again sending all the information that we pay the ticket. We did that and for several weeks since we started for the second time in XXXX they never received the information or the system was down or we needed to wait 48 hours for them to receive the emails. I send the information by fax, mail and email and they never received it. Our intention was always to pay but they dont let us pay part of it. So now on XXXX we received the letter that we are in foreclosure. So we feel that we were played. I do have emails proving that they received the letter email. But they keep changing the email address every time that I spoke to a different customer representative

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Additional information as requested by the bureau. XXXX and Equifax is currently reporting an account that has multiple inaccuracies and violations. 

( XXXX XXXX XXXX XXXX ) Currently reports that account was open in and around XXXX of 2019. However the company does not report last date of activity, last date of payment. Or last date of delinquent. This account appears to be a reaged. A violation of the fcra- Account and must be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: MI

Complaint narrative:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I discovered several unauthorized transactions on my account on XX/XX/XXXX. The bad transactions started approx.XX/XX/XXXX. The card was in my possession, and I used my debit card everyday during the time of the fraudulent transactions to buy my morning coffee, lunch, and other small daily expenses never exceeding {$20.00}. when I checked my balance on XX/XX/XXXX. I  saw several fraudulent transactions : {$330.00}, {$320.00},  {$150.00}, {$150.00}, {$28.00}, {$37.00}, {$35.00}, {$100.00}, {$170.00}, {$28.00}, {$160.00}, {$67.00}, {$31.00}, {$18.00}, {$15.00}, {$100.00}, and {$33.00}. All these transactions had taken place with my debit card in my possession, while I was using it on a daily basis. I immediately made a claim, the rep explained how my card info was compromised and deactivated my debit card and sent me a replacement. My account was soon credited for my loss, and I continued using my account. A few weeks later 2 of the unauthorized transactions were deducted from my account. ( {$320.00}, {$170.00} ). When I asked why? I was told the bank was not going to honor this portion of my claim. I have made several phone calls to recover my money to no avail. Thus I've been forced to file a Civil Suit against the institution. Index # XXXX XXXX In XXXX County District Court . XXXX, Can you Please help me.

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 2019-12-07 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: GA

Complaint narrative:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management
State: TN

Complaint narrative:
On XXXX XXXX, 2019 I was contact by Central Mediation Services four times in seven minutes. I finally answered on the fourth call for XXXX XXXX to ask if I received his voicemail. I still have the voicemail that he needed to meet me to serve me papers at my home or place of employment and to have an ID with me. He also said I could call ( XXXX ) XXXX to discuss as well, I called the number and spoke with XXXX XXXX. I had stop him as he immediately started in on why they were calling that I was being served a demand letter. I had to ask who his company was as he did not identify them. He then said I was being served a judgement. I kept asking if was I being served a demand letter ( which would normally be sent by mail since its not a court document ) or a judgement ( which would have to be signed by a judge in a court of law after a hear & I was never served with papers saying I was being sued, so there could be no judgement. ) There are so many violations of the FDCPA ; Harassing phone calls ( 4x in seven minutes ), false representation of serving papers, no information on how to verify what they were saying, telling me a cease and desist letter for contacting me wouldnt work. From what I can gather about the loan theyre talking about it would be an illegal loan under Tennessee law so they couldnt collect. The loan company is not licensed to conduct business in Tennessee nor is Central Mediation Services licensed to conduct business or collect in Tennessee. I have mailed a cease and desist letter but the company is engaging in illegal collection activities.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: SC

Complaint narrative:
The XXXX at XXXX XXXX entered into a lease for my son a college. I signed the lease. Each unit has 4 bedrooms with 1 common area. The utilities are included up to a dollar amount and then overages are passed on to the 4 tenants equally. After 6 months the other three units were vacated and the XXXX   started applying the overage to only our lease even though they had locked the other rooms and would have been their responsibility to heat and cool. My son went down to the leasing office for the first 3 months and the charges were reversed. About that time they started having management problems and the managers were changed twice. We called and and my son visited the office repeatedly to rectify the matter of {$120.00}. They would never give us a number for the parent company to speak to someone that could actually make a decision and they always passed it off and would never address the matter. At which point they turned it over to collections of which I never received a notice to be able to even address the matter and now it has shown up on my credit report for {$290.00} with no notification or such to be able to address the matter. I have no recourse other that to sue the rental company of which I can't get any information on, three states over for ruination of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: MS

Complaint narrative:
This CFPB complaint is concerning INACCURACIES in the XXXX XXXX XXXX Account reported on my Equifax Credit Report. The PAYMENT HISTORY reported shows Late Payments and Charge Off in the years XXXX and XXXX ( See Attachment 1 ). This XXXX XXXX XXXX   Account was sent to a Debt Collector, AT LEAST, by XX/XX/XXXX ; I PAID and SETTLED with XXXX XXXX XXXX, the Debt Collector, in XXXX ( See Attachment 2 ). There should be NO PAYMENT HISTORY reported after the account was sent to Debt Collection in XXXX or earlier. I have contacted XXXX XXXX XXXX numerous times about these INACCURACIES, and no action was taken. I have disputed these INACCURACIES with Equifax, most recently last month, on XX/XX/XXXX. I recently received a notice from Equifax that this reinvestigation was completed on XX/XX/XXXX ... even though, the disputed account still contain the comment Consumer disputes - reinvestigation in progress ( See Attachment 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I bought a new car and the old loan from Bridgecrest was rolled into my new loan. My Bridgecrest account has been closed for 2 MONTHS. I disputed this and it showed as correct. It is not

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 2019-12-07 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: FL

Complaint narrative:
I disputed XXXX XXXX collection for {$100.00} after speaking with XXXX in which they agreed to delete the account from collection due to an error in their accounting. Due to Me having a current Active account with XXXX. The dispute results were verified as accurate even though it is false. Please verify with XXXX and remove the account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: Clarity Services
State: GA

Complaint narrative:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CORELOGIC INC
State: GA

Complaint narrative:
My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
In the last few months I have noticed a tricky/sneaky change done to the way payments are processed. Citi has two date " cut-off 's '' - one is the date which the minimum payment is due, and then the other one is the date which is considered the close of the statement ( i.e. interest, fees, etc. are calculated & a new statement begins the following business day ). These two dates are normally separated by 2-3 business days. 

I normally pay the minimum payment immediately after receiving my new statement. Then I like to pay off the card in full prior to the close of the statement, that way I avoid being hit with interest charges. In the past I was able to schedule the payment any day except the final " close of statement '' date. However, lately they have prevented me from paying anything between the " minimum payment due date '' and the " close of statement '' date. They also are taking longer to process payments to shops, etc. ... all of this has the effect of essentially locking me out from paying off the card in full as I am unable to pay anything that is not " posted '' ( i.e. pending/processing charges can not be paid ) at least a two or three days prior to the minimum payment date. This means that I basically have a full 1 week window in which I can not charge anything to my card if I want to ensure I get a XXXX balance going into the next period. 

This is NOT business as usual. It is a change which occurred within the last several months. Prior that time, payments to shops would be processed & cleared within 1 day and payments could be made any date except the final " statement closing '' date. 

I wanted to send an email to Citi regarding this scam/issue but the website has removed the possibility to send messages and instead requests only that you " chat '' or call on the phone. I assume this is to limit the paper trail which could be used in a court of law. 

I am hopeful that something can be done to correct this abuse & fraud.

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 2019-12-07 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: FL

Complaint narrative:
Since loan inception I do not believe the companies of the loans were incorrectly applying the full federal interest subsidy and the 50 % unpaid interest subsidy thus capitalizing a higher amount of interest.

Company response to consumer: Closed with explanation