vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Hello Digit, LLC
State: NY

Complaint narrative:
I downloaded an app called digit to help me manage my money and savings. Its a legit app, I even researched it before I downloaded it. I closed my checking account with my bank that I was using through digit. When you use the digit app it can automatically transfer money into a savings account through them. So when I closed my bank account I wanted to withdraw my money that Digit had automatically saved. Easy enough I had to verify my routing number and account number and they would send me a check. I did verify my account and the app kept refreshing me to the home page. I did this several times on different days and got the same results, so I decided to contact digit. What I found out was that they did not have a help hotline only an email address. Irritating, but I emailed them. My first email I sent was in XXXX on the XXXX, I received an automated email back saying that they would be in touch within 48 hours. I checked my email all week and nothing. I never received any phone calls either, so I emailed a second time on XX/XX/XXXX, again same automated message. And again no real response to my emails. So I emailed again for a third time on XX/XX/XXXX and the same thing happened. I have now emailed Digit again today on XX/XX/XXXX, I have emailed a total of four times over the course of two and a half weeks and each time they said they would be contacting me within 48 hours. Im very  frustrated and would just like my money back l. It shouldnt be this hard to contact support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
My husband lost 2 jobs this year one from XXXX  his XXXX XXXX at his employment, found a new job and was diagnosed with XXXX  XXXX XXXX and then fired from that job, before we were 60 days behind on our mortgage we called Caliber home loans about our situation the informed us there was nothing that could be done until we were 90 days past due at which time then filled the foreclosure, we have filled out many loss mitigations and have been denied everytime. We never received another phone conference after our second was canceled due to calibers attorneys rescheduling. We also havent received a judgment on the foreclosure date from the courts only from Calibers attorneys and a card from XXXX county sheriff sales. We are about to be homeless with our children. We were working with XXXX XXXX from hud XXXX she never returned any of our emails and she was the one handling our case, supposedly working with the judge and the attorneys from Caliber. Assuming she has gotten our information from the courts and not allowing us the chance to fight for our home. Due to these neglected actions my family is now being effected and going to be homeless. We cant afford an attorney and nobody seems to wan na help, legal aid refuses to help even know they cant find a judgement on the sale date in our case look up they claim that the case has already made a judgement even though it was ever properly given to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
these loans was a forbearance these loans was defferred and in XX/XX/XXXXXXXX any lates was covered my bankruptcy

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 2019-12-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
these loans was a forbearance these loans was defferred and in XX/XX/XXXXXX/XX/XXXXany lates was covered my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
these loans was a forbearance these loans was defferred and in XX/XX/XXXXXX/XX/XXXXany lates was covered my bankruptcy

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 2019-12-05 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: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Over the years I have obtained annual reports periodically. On XX/XX/2019 I paid {$1.00} to get an annual credit report from Experian. 
On XX/XX/XXXX + XX/XX/XXXX Experian then charged my credit card {$21.00} for a monthly report. I called Experian and their representative " XXXX '' only would stop billing me further without explaining how this happened.. " XXXX '' said the company would not refund the previous fraudulent ( to me ) charges from XXXX and XXXX. I can speculate that Experian has a check box somewhere disguised on the {$1.00} report web page such that they are allowed to begin charging monthly reports on unsuspecting elderly clients such as myself. 
I do not need the refund money. This is predatory of Experian and I hope you will stop this from affecting other folks. 
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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX placed a hard credit inquiry on my credit report without my consent. I was pricing wireless plans on XXXX XXXX XXXX 's website and provided information such as my address, current phone number, and date of birth. I did not provide my full social security number and did not complete the checkout process, accept any terms, sign any contracts, or agree to have a hard inquiry placed on my credit report. I contacted Experian about this to dispute the report, and they told me that they were unable to do anything and that I would have to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX using the phone number provided by Experian, which routed me to XXXX XXXX XXXX 's identity theft department. An automated system answered the call and placed me on hold for over an hour before a representative answered and stated they had no record of an application under my name and they were unable to help me. The representative transferred me to another department, who said that they were unable to remove the inquiry, and then transferred me to customer service, who also said they were unable to remove the inquiry.

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 2019-12-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have submitted multiple disputes by mail, phone and via the Equifax website. I have received at least 6 responses which are attached saying these invalid addresses have been deleted from my credit report but they have never been which is in violation of the fair credit reporting act. When I called i was told they must have been reported again but since theyre invalid addresses they shouldnt be reported by anyone and since its on there immediately as the results were received obviously they were never deleted. The addresses to remove are XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. The following are the most recent confirmation numbers of results stating they have been deleted but still appear : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: IL

Complaint narrative:
The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

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 2019-12-05 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: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: OH

Complaint narrative:
I called in to seek help and al I was told was to pay the behind payments not given any other options what so ever

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 2019-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
i fell slightly behind the the Mortgage company Loan care started returning my payments and refusing to accept payments to this date Im due XXXX to this date they returned XXXX in payments I asked them how much is due to fix this said said I cant fix it i need to contact an attorney and pay over the amount I owe on my loan to cover attorney fees. I did not contact the attorney, I'll contact HUD or my own attorney I have the money to pay them but they will not accept it

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Tried to refinance. Small amount destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a card from Netspend XXXX XXXX XXXX XXXX, TX XXXX. 
I never applied for this card. It arrived with instruction for activation. 
I DID NOT REQUEST OR DESIRE AN UNSOLICITED Credit CARD.

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 2019-12-05 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: TX

Complaint narrative:
Experian refuses to delete a negative XXXX XXXX XXXX account that is too old to report. Experian has date of first delinquency incorrect and will not correct.

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 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is in response to Capital One'sletter to me via XXXX  to clarify why they randomly closed, reopened and then closed the bank account that I and my brother share in XXXX XXXX XXXX . My brother, who is XXXX went to the bank at the first of the month as he always does. He was told his account had closed. They was no attempt to rectify or explain. He had benefits check denied by the bank and then sent back to various governmental agencies and for the three months we have tried to track them down to resend. We are still out {$87.00}. If XXXX XXXX XXXX couldn't figure out how to re open the account we thought the XXXX XXXX XXXX branch could. Not. Worse yet they said they could. There were some good guesses as to why it was closed in the first place. Minimum at XXXX dollars for 4 days, maybe?. Accident? Glitch? Corporate tried to reopen it too. They opened and closed account twice in three days. All the wile governmental checks coming in and being rejected.. After dozens and dozens of calls to SSA, corporate, local banks I was still at square one a month later. I finally found CFPB which I hoped would investigate and deal with Capital One accordingly. Apparently not. They simply put me in touch with someone at the bank and act as a mediator. Sort of an anonymous and non threatening way for Capital One to receive and respond to complaints. " XXXX '' responded in writing to my first detailed complaint to CFPB. His letter indicated no last name or title and I'm not even sure where it came from? It does however read in summation '' " .. We may close any account in our sole discretion at any time, for any or no reason and without noticed to you.. 
noticed? have to love the person who edited this response. ) I called several times before he answered. XXXX reiterated this disclosure, disclaimer information. He was sorry his employees couldn't provide me with the Rules of Accounts from when I opened it but he would send one now. He was " also sorry for the miscommunication and incorrect information from both corporate and local bank and the lapse of procedure in notifying my brother of the pending closure .But once again, given the terms of the bank 's responsibility they can do whatever they want whenever they want. Its bad enough that they have this privilege but given their incompetence and this lack of accountability this is just a recipe for disaster waiting to happen to your bank account!!!!!. RUN from Capital One!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I purchased a home on XX/XX/2019 in XXXX, Virginia. The mortgage company on the loan was XXXX XXXX. In XX/XX/2019 XXXX XXXX   sold the servicing of the loan to LoanCare LLC. The community I live requires an additional real estate  property tax referred to as a CDA. This additional tax is paid to the same place as the the usual real estate tax. XXXX XXXX paid the first part of the CDA which was {$790.00} on XX/XX/2019. The remaining {$790.00} due today ( XX/XX/XXXX ) should have been paid by Loancare LLC. Those payments are due on XX/XX/XXXX and XX/XX/XXXX of every year. I called Loancare this morning to ask them if the payment had already been paid. The representative did not know what I was referring to but told me that XXXX should pay it. I called XXXX and the representative there told me that I was the second call he had asking the same question. He informed me that Loancare should pay it since it is included in my mortgage. I called Loancare back and spoke to a representative name XXXX ID # XXXX. He told me that I would have to send him the bill. I asked him if I should send it by fax or email. He said fax but never mentioned it would take 48 hours which seems ridiculous. I faxed the bill and explained to him as well that the bill needed to be paid today. I called Loancare again at XXXX XXXX. to ask if it was paid. the female representative said they had just paid my taxes. I explained to her that this is an additional property tax and should be paid to the same office they paid the other taxes from my escrow account.. she said I would have to email them the bill. i told her I faxed it earlier. She told me that a fax can take up to 48 hours. I told her that the bill had to be paid today and that XXXX didn't tell me a fax could take 48 hours which makes no sense to me. I told her I was going to go ahead and pay it because I didn't want to pay a {$79.00} XXXX late fee. I asked her how long would it take to get my money refunded. She said I would have to send them the information showing it had been paid and the could take 30 days.

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