vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I logged onto the Capital One mobile app on XX/XX/XXXX to transfer money from my external checking account to my Capital One money market account, as I do each time I get paid. I authorized one transaction of {$1000.00} and immediately received a confirmation email ( confirm # 134 ). The next day, I noticed 2 pending withdrawals on my external account and it also showed this way on Capital One 's app as well. Again, I only completed one transfer and received one confirmation email. I called Capital One  the morning of XX/XX/19 and explained what happened. They initiated a transfer to put back the unauthorized payment. I asked for an explanation of why this happened ... was it a system glitch, did someone access my account, etc. The rep could not provide me an answer. I asked that it be escalated and I be called back with an explanation. He would not do so for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used paypal normally to sell my personal item on XXXX and have a good feed back and receive and send funds to family/friend and suddenly today this XXXX i received an email from paypal say i can no longer used my paypal account anymore and they decided to permanently limit my account as they found potential risk associated with it. and paypal told me if i have money in my paypal balance they will hold the money for up to 180 days which i had {$900.00} in there and that's all my money in it i can not wait for 180 days that long to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly lates in XX/XX/XXXX and XX/XX/XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XX/XX/XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XX/XX/XXXX. This incorrect reporting is harming my credit score.  Please delete these items from my 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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX provided me with my credit report : All accounts satisfactory. Included Wells Fargo Card Svcs secured credit card. In question is adverse action on my credit not upgrading my secured credit card and Wells Fargo charging me {$25.00} fee to use my own money? Their executive office XXXX advised me he saw adverse action against me I'm not aware of? My rights are any/all records under FCRA must be provided to me, my " file disclosure '' and also advise me of the name, address and phone number of the agency that provided adverse 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 non-monetary relief
Consumer complaint received 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received initial text message on XX/XX/19 from # ( XXXX ) XXXX claiming to be Capital One, the text addressed me using my real name, asking if Id applied for a Capital One credit card and to please respond with an answer. After I did not respond to the first text, they sent another, again using my real name, insisting that I respond urgently. Knowing that I definitely have never applied for a Capital One credit card, I brushed the text off as just a scammer considering I do receive a number of different scam calls and texts ( mostly phone calls, multiple per day ) regarding numerous things, but this text in particular did stand out as Ive not only never received any other similar calls or messages and this was the only instance where my real name was used. However, on XX/XX/19 I received in the mail an actual Capital One credit card in my name that Id absolutely and definitively never applied for, and it was mailed to my parents house in which I no longer live ( I bring up this fact because if hypothetically I were to apply for a credit card, I would have it mailed to my current address, not my parents ) I called Capital One and the automated system was unable to locate any account under my name, however the card had yet to be activated but I have no intention on activating the card. I was able to speak with a live representative on XX/XX/19 who could see that an application had in fact been filed under my name to which I was approved for and the card was sent out to me, but did not yet have an actual account since I have not activated my card. I attempted several times to speak to a supervisor which were all unsuccessful, though I was assuredly told by the rep that I spoke with that the text messages were in no way affiliated with Capital One. I intended to take further action this evening when I return from work, however my fianc who lives with me called earlier to tell me that she had received a text message from the same number listed above, referring to her as Mrs. { My real name } and asking if shed applied for a Capital One card and that a card was already in the mail to be delivered on XX/XX/19, when she responded asking for them to verify their authenticity, they requested that she send photos of the front and back of the credit card when it comes in the mail. They only referred to her as Mrs { My name } or just my name, never hers. I do not have any idea as to how they obtained her phone number or knew we were connected. I will again be contacting Capital One in an attempt to speak to a supervisor later on however I felt the need to report this incident to the proper authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR THEY HAVE BEEN DISMISSED. PLEASE CORRECT YOUR REPORTING INACCURACIES AND HAVE THOSE NEGATIVE ITEMS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX pm I called Telerecovery of Louisiana and spoke with a collection agent by the name of XXXX. I informed her that I have not received and correspondents in regards to the disputes I submitted through the credit bureaus. XXXX confirmed that they revived my disputes and request for validation of the debt from the bureaus on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX But she had no idea why the collection agency never followed up with my disputes. I then informed the agent that I requested debt validation and she stated to me that she could only send a generic form and had nothing in writing nor any legal documentation showing that I owed the debt. After being unable to help me, The agent, XXXX transferred me over to her supervisors voicemail to leave a message. I left a message but have yet to receive a call back not any legal documents verifying the debt that is being reported by their agency on my 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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I utilize XXXX credit monitoring. Through XXXX, I found two incorrect " Major Derogatory Accounts '' showing up under Experian 's credit reporting. I disputed these online back on XX/XX/2019 but have not heard back from Experian. I have tried, again today XX/XX/2019, for the last several hours to register online with Experian and to call Experian numerous times, as well as to request my free annual credit report from Experian, all without success. Their online dispute center won't let me check my status and their phone system does not allow me to talk to a real person, nor does the phone system allow inquiries into disputes. As stated, by " Major Derogatory Accounts '' are incorrect and I have the proof to show that both of these accounts were paid in full. I'm tired of wasting my time trying to reach Experian to correct a problem that isn't even a problem. Proof of payment for the 1st Major Derogatory Account is attached. 2nd Major Derogatory Account was paid online with a credit card, receipt attached.

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 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX. 
I had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX. 
I tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Ditech Financial regarding an incorrect, negative report at all three of the credit bureaus concerning a debt that is at {$0.00}. I contacted them by phone, fax, and email. A copy of the communication is attached, which shows the house sale by foreclosure, and subsequent house purchase seven months later to a new buyer. 

On XX/XX/XXXX, after no response, I contacted Ditech again by email requesting a status update and communication from Ditech concerning this serious error. I received no response from Ditech. 

On XX/XX/XXXX, I contacted Ditech by phone and spoke with seven customer service representatives, who passed me around and told me to call XXXX XXXX. I spoke with XXXX XXXX who apologized for Ditech trying to " get rid of me and the issue '', but they confirmed that the only outstanding loan on the property belongs to the people who purchased this home in XX/XX/XXXX, and told me to call Ditech back. 

Finally, I reached a woman named XXXX XXXX, with Ditech, on XX/XX/XXXX, she looked into the issue and then confirmed that the issue was rectified on XX/XX/XXXX, by email, and that incorrect information has been reported against me at the credit bureaus. A copy of the email is attached. She stated that the credit bureaus had been resubmitted the information and my balance was {$0.00} for this debt. This was corrected in XX/XX/XXXX, by Ditech. 

Then in XX/XX/XXXX, Ditech resubmitted the fake information back to all three credit bureaus and now have debt collectors calling me for a falsified outstanding debt. They call at all hours of the day. 

On XX/XX/XXXX, I was denied a loan based on Ditech 's false reporting of this debt to the credit bureaus. I sent XXXX XXXX at Ditech an email on XX/XX/XXXX, requesting immediate action or I would be seeking relief for Ditech 's egregious behavior. I am seeking intervention as Ditech should not be allowed to purposely report false information, after confirming the original information was false, in order to harm a consumer. I am requesting this department to assist me in rectifying Ditech 's treatment of me, continued harassment, and their continued reporting of false information to the credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Im a victim of identity theft. I had received some phone calls from unknown source claiming to be, a deptcollector/ XXXX ( cableOrCellular ) I denounced this claim, because it wasnt me, I have been a XXXX Customer for over 19yrs,  and so I have no idea of using XXXX. I have explain to the deptcollectors Over & Over every time they called. Recently during my enquirer to purchase a HOME, I  realized that, they have send an amount of {$2900.00} to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX I had my credit report file from all tree bureaus ( XXXX, XXXX, and XXXX ) printed. To my surprise, I see that my mortgage bank ( Loancare Servicing Center ) had me being late 2 payments ( XX/XX/XXXX& XX/XX/XXXX ). 
First, I disputed this erroneous information with the credit buraus with no success. 
Second, I disputed it with the bank ( Loancare ), who not only told me I was 2 months late, but that I am 1 month behind. After verifying with my banks ( XXXX XXXX electronic payments report and my bank statements, both, support my dispute, that I have never missed a single payment. Ive sent them all the information theyve asked for, but I have not success. 

Loancare has failed to update my mortgage payment information ( DATA ) on all 3 Credit Bureaus. It did not update data for XX/XX/XXXX. It did not update data for XX/XX/XXXX& XX/XX/XXXX. And, it did not update data from XX/XX/XXXXto XX/XX/XXXX ( 8 months ). All 3 credit report files have discrepancies. 
Till this day : 16 payments of {$1600.00} ( {$26000.00} ) were made from XX/XX/XXXX to XX/XX/XXXX21 payments of {$1500.00} ( {$32000.00} ) ( including this month ( XX/XX/XXXX ) have been made from XX/XX/XXXX to XX/XX/XXXX. 
A payment of {$500.00} sent to on XXXX XX/XX/XXXX to be added to the principal. 
They owe me {$2000.00}. 

I have attached the following documents that support my dispute & my complaint. 
1. Mortgage Payments XXXX XXXX Report with Transaction Numbers. 
2. XXXX credit report file with notes & discrepancies.

3. XXXX credit report file with notes & discrepancies.

4. XXXX credit report file with notes & discrepancies.

5. My XXXX XXXX Statements ( XX/XX/XXXX - XX/XX/XXXX ). 

Ive been fighting them for more than a month now and all I have got is frustrations and tears. I dont know what to do anymore!

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 2019-07-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I've already talked to the bureaus. They need this updated information to come from Navient. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to XXXX at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the XXXX do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage took over my existing mortgage from Ocwen. In the process, they have made my life miserable by causing delays on the phone ( being on hold for up to 2 hours! ) and refusing to send funds back to repair my home from the XXXX XXXX. This is adding injury to insult because of major problems with the CA " Fair '' Plan, who have been refusing to repair damages to multiple claims in CA. 

A check was located, which had been previously issued and to be signed by my original note holder, which was Ocwen. I spent {$50.00} to send this check to PHH overnight on XX/XX/2019, and since then they have refused to send the check back. 

1. Ocwen 's ombudsman 's office had placed notes in my account to prevent this sort of thing from happening because they understood the hardship I was enduring after the fire. A check previously sent to Ocwen was signed promptly and returned to me. 
2. PHH has chosen to IGNORE the directions from Ocwen and HOLD MY CHECK INDEFINITELY because they are now asking for insurance documents. 
3. After multiple calls I was told that " their corporate office directed everyone not send my check back to me ... '' 4. I sent them the adjuster 's summary and additional document from my insurance which answered their questions, however, they continued to insist that they wanted " more '' information. 

My area was declared a national disaster and my family was displaced. Setting aside the downright bad faith and atrocities being done by the CA Fair Plan ... what PHH is doing is stopping me from fixing my home, moving forward and creating additional hardship and undue delays. 

They have threatened to send back the check UNSIGNED if they don't get what they want. 

I will send a letter to Washington in light of the National Disaster in my area so that they are aware of all the fraud, mishandling of claims, and incidents like this that are happening to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I am a vicitm of identity theft. On XX/XX/XXXX NCC Business Services received my DEBT VALIDATION REQUEST. I respectfully requested them provide me with competent evidence that I have any legal obligation with them. At that time, I also informed that reporting invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), might constitute fraud under both federal and state laws. I did not receive any validation for that debt. 

There two accounts being reported as mine are the following : 1.  1. NCC BUSINESS SERVICES, acc # XXXX. Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 
2. NCC BUSINESS SERVICES, acc # XXXX Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 

Please help me solve this issue, since they are commiting a Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation