vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2018 I requested due to hardship, at the time there were not options for gov  workers. On the call capital one setup payment arrangement. I have attached the document, and the new document from capital one. Over the phone, and in the hardcopy document it never said that a " specific '' month would be put to the back of the loan. I thought the agreement was for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. On XX/XX/XXXX, XX/XX/2018 payment would have prevented XX/XX/XXXX for being late, and XX/XX/XXXX payment would have prevented XX/XX/XXXX from being late. I called again and asked why I was reported late for XX/XX/XXXX, XX/XX/XXXX months when an agreement was in place. The issue is, why would capital one make me more late. A plan is supposed to help get you out of debt, based on what capital one is saying they just made an arrangement, this didn't help me to be current if it made / reported late for those two months. This is predatory, and the agreement never mentioned it was only for XX/XX/XXXX,XX/XX/XXXX payments, I was already late for those based on capital one data, why make me more late? Calling over the phone I was upset with the rep, and one advised at the leastXX/XX/XXXX definitely shouldn't have been late. Capital one reported predatory payment and I think at the least if they don't want to investigate XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, atXX/XX/XXXXt, and XX/XX/XXXX should not have been reported I feel it was incorrect. Please show me where in the agreement, that it said the two payments pushed to the back of the loan were for XX/XX/XXXX,XX/XX/XXXX. If I call in XX/XX/2018 as mentioned before, I wasn't let yet for these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were sued by XXXX XXXX Bank on XX/XX/XXXX by the attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, CA for a title issue that had existed since we refinanced with XXXX XXXX back in XXXX. There was an error in the way title was registered during this refinance. Since both XXXX XXXX and their title company, XXXX XXXX XXXX no longer exists, their is no title insurance company to manage this issue on our behalf. The law suit identifies XXXX allegations with title impropriety as the primary issue. They allege that by taking title in our individual names and then placing title in our Trust we some how placed XXXX XXXX Bank into a secondary lien holder position. It was never our intent to deceive or circumvent paying them when we sell or refinance. We contend that XXXX XXXX Bank could have taken a less heavy handed approach to correct this title error. New documents could have been provided with a letter explaining the oversight and what is required to put things in order. Instead, we have had to engage counsel to protect our property in interest costing us over {$15000.00} to date. 

We reached out to the XXXX XXXX XXXX Recorder, State of California Insurance Commissioner with no success in engaging their assistance or involvement. 

We contend that we never had any intention of not paying XXXX XXXX Bank the mortgage we entered into and welcome resolving this issue at the earliest date possible. We also contend that we are not the only clients who are facing this type of litigation since it places our property into a liz pendens status ( pre-foreclosure ) which places additional financial strain on us and our resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, Florida for medical services. I had XXXX XXXX XXXX, and they paid the bill for that date of service. I received a call from a person saying he is a doctor and he asked me to pay a bill of {$350.00}, but I did not believe him because I have never received a call from an actual doctor about a medical bill. I thought it was a scam. On about XX/XX/XXXX I received a written bill from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX. I then called XXXX and explained what happened about the written bill, and XXXX researched the date of service bill and told me the bill was paid in full. I was good because XXXX the billed was paid and I had no responsibility to pay anything except my {$30.00} co-pay, which was already paid. I had to pull a credit report in the last quarter of XXXX, and that is when I actually looked in detail at my credit report and at that time I had a debt collection on my credit report from XXXX XXXX XXXX XXXX via XXXX XXXX. I called XXXX and they sent me a letter of no responsibility for me and summary explanation of benefits claim/s to send to Experian along with my statement that I was not responsible for any charges and all of the bill was paid according to XXXX XXXX and XXXX agreement. Experian would not accept my proof, so I sent all the same information to XXXX XXXX XXXX XXXX, they would not accept my proof. I called XXXX XXXX again and they got involved. They communicated with XXXX XXXX and XXXX XXXX. XXXX called me at the end of their investigation. XXXX said the billing department who filed this bill in the first place made the error and used my social security instead of my husband social security number, therefore I got charged personally instead of the correct way, charging my sponsor husband. Experian still will not accept this proof and the incorrect debt collection is still on my credit report, wrongly! When you may have no actual money, good credit goes a long way. I have filed 3-5 times with Experian disputing these charges. The charges was {$270.00} $ {$72.00} for a total of {$350.00}. I want rightfully this debt collection removed from my credit report. The mistake belongs to the billing department, not me. They should own up to it, but Experian will not budge even after XXXX XXXX XXXX has release me from their agency and provided Experian with no responsibility proof and debt collection release. XXXX 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 2019-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
Iberia Bank increase the amount of my escrow by an incredible amount. I call customer service and also went into the local XXXX, La. Branch to get an explanation, but no one could or would give me and answer to the increase. I was informed to just continue to make my regular monthly payment until the matter could be sorted out. My credit to a big drop in XX/XX/XXXX and when I check it, I found out that Iberia Bank had charged off my mortgage in XXXX of XXXX. I did not receive any notification of such and event. According to the charge off date and the delinquency date on my statement, I was 3 month delinquent, when the full charge off when induced. I was offered no aid or help in trying to get this matter resolved. I am asking CFPB to aid me in getting this matter straight so that I may get my mortgage back into a current status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I disputed a public record that was in my credit file, the account came back as verified I then requested the method of verification which is my right as a consumer according to FCRA 611 ( a ) ( b ) ( 6 ) ( iii ) and was told by representative at credit bureau initially the courts verified this account. I made them aware that I had spoken to someone at the court house and they DO NOT verify or report anything to credit bureaus. The representative then stated they used a third party and When I asked for business name, address, phone number and point of contact as to who verified this information I was told he can not and will not give me this information, and that there are many third party reporters. I then made him aware that by not providing this information to me was in direct violation of my rights as a consumer he stated that I can look it up myself and he has read the law many times. The federal law is very clear that if the agency can not or refuses to provide their method of verification when requested by a consumer that that account must be removed from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I am uploading this letter which covers all the problems that I have had with Flagstar mortgage Company! This was sent to the loss mitigation department as of XX/XX/XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I lost my job working as a XXXX XXXX. I found an online job that was not legitimate and was paid by a check that bounced. I explained this to my bank along with overdraft fees building up as well. Everyone seems to not care and they restricted my debit card. My tax refund is sent to this account as of XX/XX/19 from the irs. Chase bank now is holding my funds stating I will not receive them until after two business days. Along with the weekend. I am behind on every bill this has caused a Major disruption. I just want whats rightfully mine and no more problems. There has to be some laws protecting tax payers dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
In, I believe XX/XX/XXXXor XX/XX/XXXX, Ocwen was contacted by XXXX XXXX with the details of my new insurance policy with a request to pay from escrow. A month later, I get a call from XXXX XXXX telling me it's not being paid. I call Ocwen ( who has admitted having phone records with XXXX XXXX ) and I'm told that I have to request in writing. After explaining my health issues that made it nearly impossible to type or focus on my computer, the ( Ocwen ) agent said she could take care of it right away. Here we are in XX/XX/XXXX and I find that Ocwen has placed Lender Placed Insurance ( LPI ) without my permission OR any notice. This happened once before and I received certified mail with a reasonable time frame. I'm FED UP with this company REFUSING to cooperate. I received a letter ( now gone ) last time this happened that stated : If you can not afford insurance, Ocwen can pay insurance out of escrow. We can even reinstate your policy if cancelled. Ocwen is ripping me off with insurance over XXXX times what I was paying before THEY XXXX   XXXX. I NEED this rectified before next months mortgage payment or I won't be able to pay. I'm only asking Ocwen to follow through. Seems easy if they gave a XXXX!!! 

My name is not on this loan. It should be ONLY the Estate of XXXX XXXX  XXXX, for which I'm the sole responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: CO

Complaint narrative:
I was a victim of identity theft in that I did not receive any benefit, money, goods or services as a result of the events described in this report. I responded to a XXXX ad for temporary work and the employer sent me a payroll check with a letter of instructions. On XX/XX/2017 I deposited the check {$1300.00} in my account. With the help of an employee at the bank {$100.00} of the funds were available immediately. XXXX held the check for XXXX days prior to releasing the funds. XXXX performed the necessary security measures and confirmed the funds were available for withdrawal. On XX/XX/2017 I did what the letter from the scam employer and made a withdraw and sent {$600.00} to another coworker via XXXX XXXX. On XX/XX/2017 the bank recalled the check, closed the account and left it overdrawn {$630.00}. Reported the events to the local Police Department, and the FBI IC3, XXXX, FTC, XXXX, XXXX XXXX and have had no progress and no assistance. The bank XXXX, is reporting inaccurate information to TransUnion. They report the type of account is a Credit Card and my monthly payments are {$630.00} and delinquent. 
This is not true. The account is a checking account, not a credit card. I understand there is NO safeguard for victims of an Employment Scam, check fraud. Why isn't the check writer and his bank responsible for the 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 non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
post office overcharged for package. charged XXXX when should have been XXXX. 

Although TD initially did check- they refuse to make correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
Plaza home Mortgage inc .has put forced insurance on my house after they rejected to my policy in XX/XX/2018 they then took more money from my bank account and said I signed a agreement that they can take what ever out of my account so I stopped payment on them taking it out payment that was XXXX became paymentXXXX which they know I dont get I'm XXXX. Then when I contacted the supervisor XXXX XXXX he said that there was a problem with the insurance that get in touch with my provider and send the insurance back to XXXX that they would not charge me for check return and payment would be made at the end of the month. That didn't happen they sent the check back through the bank costing me again another overdraft fee plus there 20 on each one. I called back on the following morning and they said that they dont know XXXX is but he does work there .but no one knows who works there. Plaza home Mortgage company is junk I've been fighting with them since I purchased my home .they put I was 2 months behind on my credit which I was not .there crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint narrative:
HI THERE U.S.A./XXXX ; GREETINGS OF THE DAY!!! 

MY PAN NUMBER IS - XXXX IN XXXX. MY MOBILE NUMBER IS XXXX XXXX IN XXXX. I CAN'T GET MY CREDIT SCORE OR REPORT IN XXXX SINCE ... .. I DON'T KNOW XXXX CRIDIT SCORES/REPORTS WERE BORN HERE IN XXXX. HELP. 

THANKS & REGARDS XXXX XXXX XXXX, XXXX, XXXX, 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 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A merchant owed me a lot of credit which was promised would be credited back. the merchant was supposedly a victim to a load of counterfeit goods which he claimed placed him in financial stress and he was unable to pay back fast enough his customers and creditors. ultimately, back in XX/XX/XXXX & XX/XX/2019 Capital One received all these credits back to my account. my account currently has $ XXXX in a credit balance. I had requested a refund for my credit balance to be mailed back to me, they told me it would take 7-10 days, but its been 2 weeks and they have not refunded me. when i called to follow up, they are telling me now it could take 90 days. I believe this is totally improper and base don what I've read, the bank is legally obligated to refund me within 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.

Company response to consumer: Closed with explanation