vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I am writing to you regarding my loan for hardship for the second time. In XX/XX/XXXX I filled a complaint against my bank who in return told you they would work with me. It was not true once you close the complaint they ask me to fill out a hardship letter for the third time so I did. I faxed it on XX/XX/XXXX & XX/XX/XXXX to  the bank. On XX/XX/XXXX I received a foreclosure notice on my house, and yet still today I have not received a denial letter from the bank. I am XXXX years old and have had my house for over 15 years. I would love to keep my house so I hope the bank will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I open a credit card with Kohl around in XX/XX/XXXX, they told me that they closed the account because I haven't use the card in 36 months, well that's was ok with me, but they also told me I can apply for a new one. So Saturday XX/XX/XXXX I was ordering some shoes online and apply for a credit card, and the response I got back from them is that I already have a open account, so I call them and they are telling me my account is closed, and I told them no it not because it showing in there data base that it's open. I ask them to send me a conformation letter stating it is closed and they refuse to do. They have my personal information floating around in there system, number one they did not sent me a letter saying they closed the account, and they still won't give me paper work confirming to me it closed. I believe something fraudulent is going on. I do have a copy of the screenshot they sent to me. I just want my account completely closed and I am no longer want a credit card from them or do any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE CONTACTED EQUIFAX SEVERAL TIMES ( 7 ) TO HELP FIX THIS PROBLEM, BUT THE WHAT IT IS THEY JUST DONT CARE. I HAVE SEVERAL ACCOUNTS ON MY FILE WITH EQUIFAX THAT ARE FRAUD! I HAVE SENT OVER POILCE REPORTS AND MY ID SEVERAL TIMES AND WITHIN THREE DAYS OF THE DISPUTE IT SAYS COMPLETED. THEY FINALLY REMOVED AND BLOCKED A FRAUD ADDRESS BUT THE ADDRESS LINKED TO THAT ADDRESS ARE STILL ON MY FILE. HOW CRAZY IS THAT. I HAVE ACCOUNTS ON MY REPORT THAT ARE FRAUD AND THE PEOPLE WHO STOLE MY IDENTITY HAVE BEEN ALREADY BEEN TO TRIAL AND FOUND GUILTY AND SENT TO JAIL, XXXX XXXX LOAN OFFICER ( XXXX XXXX, XXXX WHICH IS THE BRANCH MANGER, AND THE OLD CEO IS ON THE RUN SOMEWHERE IN NJ. THEN XXXX XXXX BOUGHT A TRUCK UNDER MY NAME ONLINE WITH A BLANK CHECK PROGRAM THROUGH XXXX XXXX  AND IT WAS RECOVERED WHEN HE WAS ARRESTED AT XXXX XXXX XXXX, XXXX SC XXXX. ALL I WANT IS MY ACCOUNTS THAT ARENT MINE TO BE REMOVED AND BLOCKED FROM MY ACCOUNT. 1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I HAVE ATTACHED A POILCE REPORT TO THIS COMPLAINT WITH A COPY OF MY ID. XXXX PLEASE STOP BLOCKING MY PERSONAL ADDRESS OF XXXX XXXX XXXX XXXX, XXXX NC XXXX. IF NOT REMOVED I WILL SINK LEGAL ACTIONS AGAINST EQUIFAX. NOW I CANT EVEN GO ONLINE TO DISPUTE ANYTHING, EQUIFAX HAS ME BLOCKED FOR SOME REASON AND THEY KEEP SAYING WE ARE SENDING IT UP TO I.T. DEPARTMENT TO FIX YOUR PROBLEM AND IT NEVER HAPPENS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: AES/PHEAA
State: GA

Complaint narrative:
My XXXX XXXX on my credit report shows from XX/XX/2016 to XX/XX/2016 as delinquent but my account was in forbearance with XXXX XXXX and it has not been update to reflect what XXXX XXXX has on their records

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: NM

Complaint narrative:
I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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 — Investigation took more than 30 days
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
ftc violation acol stystems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I opened a checking account in XX/XX/XXXX XX/XX/XXXX called and requested account closure and cheque to be mailed to me in the amount of US {$1000.00}. XXXX advised a letter would be sent to me to be signed and returned then cheque would be mailed. 

XX/XX/XXXX - spoke to XXXX re my cheque as I have no record of receiving it but it shows online that the account is closed. He could not find any information about my account. He will have to check with Back Office. 

I have made a number of a calls - certainly more than 6 ; I had not kept notes on all but my last contact was XX/XX/XXXX. I had called on XX/XX/XXXX and again they could not find any info so could not verify me. I was told to go to a BMO in XXXX and have my ID notarised. I went in and spoke to a gentleman there by the name of XXXX XXXX. He told me they did not do nortarisation however he did call BMO Harris to try and help me. He got the same results I did - will have to check with Back Office because they dont have the information for my account. He left his information with them asking for a follow up and he promised to keep checking in for me. I assume he is having no better results than I am. 

XXXX from BMO Harris called me the next day ( XX/XX/XXXX ) to tell me they were still checking and that someone would call me EVERY DAY to update. I have not heard from her or anyone else since. 

I am frustrated with this process and tired of trying to get a plausible answer. On top of which this behaviour seems very suspicious especially coming from a bank. Closed accounts or records of any business do not not disappear from a system. Tired of the run around for my hard earned dollars. 

I can provide account opening letter, associated XXXX form, copy of deposits, statements, copy of debit card etc. 

Thank you.

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 2019-03-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violation XXXX  stystems

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 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Debt Reduction Services, LLC
State: KY

Complaint narrative:
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The Nationwide Debt Reduction Administrator is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
My mortgage payment with Freedom Mortgage was set up on an autopay for the monthly mortgage payment and the XXXX payment was increased by {$73.00} due to escrow analysis the previous month. My partner called and they said to just send in the difference on the next payment which is what I did. Then I received a notification that my credit score had dropped XXXX points due to a mortgage late of 30 days. I called and they refused to help in any way and said that they would not change.

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 2019-03-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed disputes with the 3 major credit bureaus XXXX, XXXX and Equifax. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, {$3100.00} was charged on my Capital one Credit Card. It was rent for an apartment for the month of XX/XX/XXXX. The Real Estate Agent refused to allow me to see a copy of the Lease before making the application and deposit. I relied on Capital One to return my deposit in the event the Real Estate Agent did not deliver the apartment as agreed. The Real Estate Agent did not deliver as agreed because she submitted to me a Lease that had different terms and conditions than what she promised. I immediately asked for my deposit back and she refused. I asked Capital One to cancel the transaction. Capital One initially credited my account, but reneged stating that I did not show them proof that the owner did not approve the Lease. I spent more then 2 hours with Capital One on the telephone during several calls trying to get them to re-credit my account. I explained to them the following : The merchant lied in their response to Capital One in saying that the application and deposit states there will be no refund. The deposit application clearly states '' the down payment is refundable to the applicant in the event the application is rejected by the apartment owner '' The merchants response contains a second lie when it claims the client canceled at the last minute. The request for the refund was made within 24 hours of delivery of the Lease with different terms and conditions then was agreed upon. The merchants delivery of a Lease inconsistent with what was promised is in fact a rejection of a application and a counter offer to Lease on different terms and conditions. Therefore, under the terms of the application, the deposit should be refunded. I never received the apartment even though I paid in full for it and there was never a Lease signed. The merchant refused to present the Lease with the application and then later presented a Lease with different terms and conditions which was never signed. Capital One needs to re-credit my account in the sum of {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: KY

Complaint narrative:
I spoke with a relative of mine ( I'm domiciled at her address ) and she explained that someone called her looking for me about a warrant. She gave me the phone number ( XXXX ). I called and spoke to an alleged " XXXX XXXX '' who asked me for a case number. I explained none was given. I asked for the name of the company. He stated XXXX XXXX XXXX, XXXX and said that he could not do anything without the case number. I explained there was no case number. While doing so, I looked up the company and it appeared to be a collection company. I asked if he could cross reference other information. I gave him the number he that they called my relative on. I stated that they were a collection company. He said it was not. Then he said he will just have the court documents served and then hung up. I believe he was impersonation an attorney or court officer and should be held to FDCPA to answer for his and his companies tactics.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are 16 inquiries on my report that were either fraudulent or part of trans unions inquiry problem, Customer service would not help me and I am in the process of trying to buy a home. These should not be on my report and need to be removed

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 2019-03-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. 













The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I )  PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
PHOENIX FINANCIAL SERVICES LLC Is a 3rd party trying to collect monies that have already been paid by my insurance company. Please remove all collections from all 3 credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management. Midland has failed to provide me with requested information about the alleged debt. I have made several attempts to rectify this by written dispute letters to them and the credit reporting agencies. All of my efforts in sending certified letters to them were of little or no avail. On XX/XX/2019, I received a demand letter from this debt collector Midland,  stating they were " uncertain of what you are specifically disputing ''. In my disputed letters, I clearly and respectfully ask in my letter for documentation of the following : ( 1 ) The signed copy of the original consumer contract, a contractual agreement that you say I owe and agreed to pay you ; ( 2 ) Any receipt ( s ) of sale ( s ) of the alleged debt ; ( 3 ) Copy of your debt collection rights, license or any proof that Midland is licensed to collect this debt in the state of Florida. Midland 's demand letter never included any of the requested information that would show ownership of this account. Let it also be mentioned, that failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the alleged debt. I hope this matter can be resolved soon and that it be taken care of amicably as my credit has taken a hit because of it.

Company response to consumer: Closed with explanation