vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested my annual credit report from Equifax by mailing the form on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying I needed to post to them a load of identifying personal info to prove my Mailing and Current Address. Problem is despite my filling out the form as such and the fact that the mail reached me at my current address which is also my mailing address, they've decided that my former residence is my mailing address ( then why did you mail it to my actual address ). Halfway down the letter as they explain all the hoops they want me to jump through to get something that I'm legally entitled to they change it up by saying that my correct mailing address is my mailing address. So then which am I proving? I got the letter hence this is my mailing address, and I live here, pay taxes here, am registered to vote here, and all my credit lines reflect this as my address. Yet, apparently I need to prove I receive mail somewhere I don't to see my credit report? The whole exercise just seems blatantly designed to make them not need to follow the law and instead sell their credit reports as simpler to get. Luckily they've used my signing up for monitoring from their breach to bombard me with adds telling me to just pay them for the report, surely there's no gain for them sending contradictory and confusing letters to add hassle to the actually free option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANCO POPULAR DE PUERTO RICO
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been a loyal customer of American Express since XXXX. On XX/XX/XXXX, I was going over my transactions history and noticed a bunch of transactions that I didnt recognize. I immediately called American Express Serve Customer Service and informed of unauthorized use of my card. XX/XX/XXXX : I submitted a police report to the Police Department advising of fraudulent use of my card. XX/XX/XXXX : I have received an e-mail from the bank advising that my claim was declined based upon their investigation. I called back the Customer Service. This time, the Representative e-mailed me a Declaration of Fraud form that I completed and promptly returned to them. XX/XX/XXXX : I have received their e-mail, advising that my claim was declined based upon their investigation. I was really shocked to learn that American Express has determined that no error occurred and that transactions in question were authorized. I live in XXXX  Virginia. The majority of the fraudulent transactions were done in XXXX, FL. I have not been to XXXX, FL, or anywhere near Florida, in XXXX or XXXX of XXXX. I did not do the below transactions, and I did not authorize anyone to use my card. I included the all transactions, including date, amount and merchant name as an attachment. The same day I called their Customer Service. The conversation with the Representative on the phone did not go well. I asked the Representative to explain the reason why my claim was declined for the second time and why these fraudulent transactions are not eligible for a credit to my account. In response, I was told to check my e-mail. I explained that I have that email right in front of me and that it is still unclear to me why my claim was declined. However, I again was advised to check my email. Customers trust the bank with their money and in my honest opinion, are entitled to a simple explanation. I asked to speak with a manager. My request was ignored. I was told that the investigation was already closed and that I should check my email. I was then advised that I violated cardholder agreement and now my account is suspended and I no longer have any rights and privileges to use my card. I was told to check my email once again and at that point, the Representative ended the conversation and hung up. The Representative handled this conversation very unprofessionally, was rude and disrespectful. This is not a level of Customer Service a frustrated customer would expect. After that, I have sent a mail with detailed explanation of the situation. Still, nothing in return. I have called many times once again, hoping to get my money back. Almost one year has past but all my attempts to get my stolen money back were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX  credit alert and per the attached my account XXXX has erroneously inaccurately been reported 30 or more days late by Chase.This is some straight out institutional racism XXXX that permeates in this country at it's highest form!!! 

I have NEVER been 30 or more days late on this mortgage in the 13 years that I have had it, and this is a blatant attempt to ruin my excellent payment history, because I am in the process of refinancing my property with another lender, and these XXXX at Chase know that if I have a late payment on my history in the last 12 months that I will be unsuccessful in refinancing, and have to continue the loan with them. 

On XX/XX/19, I made my mortgage payment via Chase payment by phone system, and the payment information ( routing number/account number ) were correctly provided, confirmed, and I was provided a confirmation # of XXXX!!! 

Then I'm informed through my credit alert program that I am 30, or more days late with my payment with the representative claiming that my bank ( XXXX XXXX XXXX ) said that there was NO such account with them. Which again, is pure XXXX ... I contacted XXXX XXXX and was clearly told that that was incorrect, and they don't operate like that, and were NEVER contacted by Chase, and if so that they would have reached out, and contacted me to communicate such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX/Loan Care Servicing  has sent me notice of foreclosure.  I have been paying the Loan Care Servicing through my Credit Union account since XX/XX/2019. My original refinance with XXXX (who declared bankruptcy) was purchased by XXXX XXXX XXXX XXXX. My monthly mortgage payments are up to date, I continue to get calls and letters from Loan Care Servicing everyday.  I have faxed proof of payment to Loan Care servicing x2, talked to several of their loan care representatives many times.  I was assured the problem had been taken care of on XX/XX/2019 when I talked to a supervisor of Loan Care Servicing. They stated that payments had been applied to the principal and that put me owing another payment, this had gone on since XX/XX/XXXX when they took over my loan.
This is a list of my payments and dates of my payments to Loan Care Servicing
XX/XX/2019 $XXXX paid early for XXXX
XX/XX/2019   $XXXX  plus $XXXX additional payment on XX/XX/2019 as I received  notice of increase in monthly payments.
XX/XX/2019   $XXXX as I received notice that I was owing another payment.
XX/XX/2019    $XXXX
XX/XX/2019   $XXXX early payment for XXXX
XX/XX/2019  $XXXX
XX/XX/2019  $XXXX  included a late payment fee.
XX/XX/2019  $XXXX   
I have proof of all these payments from my CreditUnion account.  Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/2017 my Bankruptcy was confirmed. My Trustee is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Maryland XXXX. For the last 2 years, Owen Loan Servicing, LLC and now PHH Mortgage has failed to following Bankruptcy procdures. They have attempted 3 times to CANCEL my homeowners insurance, fraudulently informing my Homeowners insurance company that I have vacated the premises ( home : XXXX XXXX XXXX, XXXX XXXX, Md XXXX ). When i thought it could not get any worse, they Changed my Gas and Electric Bill into there name and attempted to turn off my Gas and Electric.  My bank can provide statements that {$2000.00} each month is automatically sent to the Mortgage company. My Job can provide documentation that Bankrupcy payments are payroll deducted. They continue to contact me even though i'm fully in compliance with the Bankruptcy Agreement. They fraudulently attempting to bully me. They refuse to comply with the Bankruptcy agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
To whom it may concern, On XX/XX/2019 my wife wrote out check # XXXX to XXXX XXXX to the amount of {$850.00} to pay our mortgage. On the morning of XX/XX/2019 the check in a XXXX XXXX  envelope was put into our mailbox. At XXXX security footage shows the mailman ( not our normal Mailman ) picking up the mail. 
On XX/XX/XXXX we received a notice from XXXX XXXX  that we did not pay our mortgage that month. We had to go to the XXXX XXXX  and pay right away to avoid a late fee. At this point we just thought the check # XXXX was lost in the mail and would eventually show up at XXXX XXXX. 
On XX/XX/2019 we received an overdraft notice from our checking account bank XXXX XXXX. At this point we though the checking bank made a mistake for we had more than enough money to cover any checks that were written. When going into our account we found that someone had taken Check # XXXX that was sent to XXXX XXXX  was fraudulently altered and changed to someone calling himself XXXX XXXX for {$1900.00} which he or she deposited into a bank account # XXXX USAA FSB ( routing number XXXX ) by some kind of mobile device. At this point we had to put more money into our checking to avoid overdraft payments. 
We contacted the XXXX XXXX XXXX  and State police who are investigating this case. 
At this time we are notifying you so that you can investigate your end of this fraud forgery. 
Please investigate and send all findings to Tpr XXXX badge no. XXXX, at XXXX, Incident no. XXXX or you can send directly to me and I will forward to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I had my son onXX/XX/2019. I received a statement a statement for anesthesia services onXX/XX/2019 for $XXXX. I paid the balance of $XXXX in full on XX/XX/2019. Since this point in time the company has sent the balance to their collections agency and I have been contacted twice. Both times I let them know I paid the balance and sent a copy of the charge on my credit card statement, and was told that was not enough proof for the company. I then contacted my credit card company and had them do a three way call directly to the company and they were told the charge for the exact balance was paid. They again asked for something in writing and I faxed this over to them. Since I have had no response. I then logged in to their online portal and can see the balance still shows as owed. I emailed them in via contact us/inquiry portion in their portal with proof again and still no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. Experion, XXXX, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free 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