vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted Equifax and XXXX via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On the XX/XX/XXXX I submitted a request via telephone to TransUnion credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which transunion 's response to my request is that transunion 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint 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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been a Bank of America customer since 2009, with just one checking account to my name. 
I recently noticed two fees in the amount of {$12.00} each for the months of XXXX and XXXX. I contacted Bank of America to inquire about the fees, and they claim that they changed their policy to charge a maintenance fee to " be fair to all customers ''. The bank claims that I received the notice of the policy change, but going back to check electronic statements on Bank of America 's own website, I see that they did not, in fact, send me any such notice.

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 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am trying to access my account data via a website for monitoring and Barclay is blocking access.

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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )

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 2017-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been 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 non-monetary relief
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.

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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
A third party operator keeps calling my place of employment, they represent a third party debt collector. I 've never provided a general phone line to my place of employment, and have told them repeatedly that I can not take personal phone calls. The company is called MCM. What concerns me is how they got the phone number since I never provided it and why they continually call when I say I can not take personal calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 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: ERC
State: MI

Complaint narrative:
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: GFS II, LLC
State: MI

Complaint narrative:
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. XXXX is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally.
I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I purchased my home in XX/XX/XXXX through XXXX using a VA loan. The mortgage servicer was XXXX and I had automatic payments set up in the eight years since. Apparently XXXX XXXX XXXX handed off their servicing of this loan to Loancare, a Service Link Company during XX/XX/XXXX of this year, and I never got any notice of the change. I do n't follow that checking account frequently as I moved out of this house in XX/XX/XXXX and have had it rented through a property manager since. During the handoff XXXX did not send my current mailing address, email nor phone number to Loancare. Over three months went by without a payment nor any contact from either XXXX or Loancare. I only found out about the error when I called XXXX to refinance this property and they notified me that I had delinquent payments. I reached out to XXXX who redirected me to Loancare. I found out that Loancare had been sending bills to my rental house, as that was the only point of contact they had for me. XXXX had and has my current residence, email and a phone number but failed to pass any of this on to Loancare. Both XXXX and Loancare failed in their due diligence during the change of mortgage servicer. Because payments were over three months late, my FICO score has been severely effected due to an error on behalf of two companies that made zero effort to contact 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 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX two Account Wells Fargo

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 2017-11-14 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: NC

Complaint narrative:
Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years

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