vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: PA

Complaint narrative:
I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. 

I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. 

I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. 

Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. 

I am concerned this may occur again with this servicer. 

Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Capital one reported 2 of  my accounts negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and instead of removing the negative mark on my payment history they changed the status update from XX/XX/XXXX to XX/XX/XXXX on one and XX/XX/XXXX on the other. 

I filed a dispute with Capital One directly as well and they state that they were reporting correctly. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX or XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting payment history on any months where there was no late payment made should be removed. 

I am attaching a copy of my credit report from XXXX to show what I mean by negative payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
this is an old expired dept.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX18 I received a letter from Experian that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason. I was also informed to dispute online and I had to accept there terms and conditions and accept online dispute results, which I do not want to accept either. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a  representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
i have tried to settle issue with this company and no anvil they refuse provide proper information on this debt. this company is reporting invalid amount and invalid dates the amount owed is XXXX and the are reporting XXXX owed the original default date in XX/XX/XXXX they have updated it toXX/XX/XXXX restarting sol texas for debt collection I have sent out two letters to this company requesting proper information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
this is an old expired dept.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I tried to open an account at a local bank and 3 days later they told me they need to close my account. The bank told me it was in there system to call XXXX XXXX XXXX because there was a check fraud placed on my consumer report. I called them and they named a bank that I'm not familiar with. Please help me solve this problem, my identity was stolen before back in 2011. I have a fraud alert on my credit report now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My brother, XXXX XXXX went to Chase Bank at XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX to work with XXXX and XXXX, his " personal bankers '' to change a will or turst fund to include my son.When eh gave CHase bank my social security number, they told him it belonged to XXXX XXXX and that nothing further could transpire until they reach such person I called the Main # of the bank and it said all teers were bust and redirected me to their XXXX #, that operatory tired to transfer me to their fraud dept and I was on hold for 1 hour on cell phone # 1. I also tired calling both XXXX and XXXX and both promised that they would call me back asoon as s they completed businesss with their current customer. They never called me back and a dedicated phone I held open for them.The branch manager, XXXX XXXX also di not retrun my calls.My brother retruned to the bank to learn that this XXXX XXXX had a closed account with chase with my SSN and that she lived in XXXX, CT-I live in XXXX Ct and opened a case with the XXXX police case # XX/XX/XXXXthe police have access to a database and they could see that XXXX 's ssn was 1digit different than, So I finally Chase Bank fraud detection dept and they told me that they simply can not help me over the phone.CHASE Bank is nto taking ownership for their error and not resolve this fraud that my brother detected and they seem to be insulating themselves avoiding consumer calls and complaints form this .They are irresponsible and horrendous customer serviceI thibnk they are trying to sweep it under the rug,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GU

Complaint narrative:
I have lost access to my email that is associated with my coinbase account. 

I made a new email and submitted my ID and Photo so I used the new email to recover my account and the ID was accepted. 


It has been a month since I submitted my ID for verification but still no resolution to the issue. 

Note : According to Coinbase website, it takes 48-72 hours to verify the ID and photo

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I'm submitting a complaint against Diversified Consultants, Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 30 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Diversified Consultants, Inc. ) authorizing ( Diversified Consultants, Inc. ) to collect alleged debt.

Show me that you are licensed to collect in my state, and provide licensed number if  you are

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. 
At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. 
Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This is with penn credit at the XXXX County clerk of court,  XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: NJ

Complaint narrative:
On XX/XX/2018 I sent a letter to Equifax requesting a PIN so I could have the Security Freeze on my account lifted. Per their instruction I included copies of my Birth Certificate and Driver 's License. 
I was to receive the PIN in 7 - 10 business days. This did not occur, and I have had no reply from the company. 
Today, XX/XX/2018, I am sending them another letter. 
Until I get the Freeze lifted I am unable to open a new credit account with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stern & Stern. P.C.
State: NY

Complaint narrative:
Stern & Stern is requesting payment of XXXX for a bill that was paid, perhaps even several times over the years to XXXX XXXX XXXX to lower our property taxes. He has since placed a lien on our property and according to county clerks office this bill dates back to XX/XX/2002. We have repeatedly asked Stern and Stern evidence of this bill to see if it is indeed the one that dates backs years ago to which they have never responded even though one of our requests was made via certified mail with signed returned receipt. We have the signed returned receipt but still have not received any bill, invoice or any proof of dept from them. We can not continue paying them for a bill we do not owe this has been going on for years. 

About one year later of our sending out the certified mail, I was notified by Stern & Stern that there was a judgement again my property and a lien on my house. I thought it was a scam, it took me weeks of working with my local town government to confirm that their is indeed a lien on our property. I believe that they may be targeting senior citizens because I recently found another complaint on XXXX reviews for the same law firm representing the same tax company describing Stern and Stern 's use of unscrupulous tactics. 

I asked my bank if it would be possible to return that far back in my banking history and they informed me that NY state has 6 year statue of limitations on collecting dept so that it should not be necessary for me to go through this trouble. I do not understand how they could legally place a lien on our property for a dept that exceeds the state 's statue of limitations. 

I do not want pay this company again and have them come back in a year or two and ask for payment once again. I do not want anyone to have to go through the time aggravation and stress I am going through trying to solve this. I do not want my assets frozen as he did to the gentlemen 's father ( XXXX XXXX ) on the XXXX review which I copy and pasted below. 

This seems like fraud to me and I would like a criminal investigation opened so that they can not target anyone else. 

Thank you for attention you can bring to this issue XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX,,, XXXX XXXX : " These guys went after my father on a claim that he owed money to a property tax reduction company, I happen to have the same name as my father so they froze my bank account! They couldn't even ensure they had the correct social security number, and froze my assets illegally. When I asked them to pay the bank fee I was charged to get my bank account reinstated ( a couple of hundred dollars ) they refused. Now this event is coming back to haunt me again because this event made it onto my credit report. I called them to get it worked out and they gave me an attitude on the phone and were not sympathetic. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: DC

Complaint narrative:
PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.

PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX.  At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me. 

How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.

Company response to consumer: Closed with explanation