vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: NC

Complaint narrative:
I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or XXXX and Equifax. Ultimately it is now on XXXX and Equifax to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my Equifax online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
I get called on a daily bases, I dont always answer, i do have payment arraingement agree to XXXX a month for my private student loan debt, and my reloadable card has been charged, yet i continue to receive calls everyday, the calls started eveyday after i made my first payment back on XX/XX/2019, i get harress everytime i do answer, they keep asking for more and more money, they wont even let me politly off the phone, i have to get rude or hang up on them, they wont meet my budget monthly limit, they wont agree to stop calling me everyday, i can not work with this company on an acceptible agreement to solve this private student loan debt. The company name is Activate Financial. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX <XXXX> Wed, XX/XX/XXXX , XXXX XXXX to answers, me Hello, I hope you can help. 
XXXX XXXX transferred my loan to XXXX and in XXXX of 2019 XXXX transferred to a company called SLS. SLS will not work with me on updating my mortgage and are threatening foreclosure. 

I have provided them with all my monthly payments. 

I want to refinance but no one will refinance as long as SLS shows me delinquent. 

I am XXXX years old and I need to keep my home. SLS is the worst company ever. 

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 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Jcpenney credit card initially gave me a limit of {$300.00}. I would spend {$100.00} and immediately pay right after. I would never hold a balance on the card it was always paid. Around XX/XX/XXXX time I had noticed they bumped my limit to {$700.00} I had went to the store purchased some makeup for {$100.00} the next week I got letters in the mail stating my limit was decreased to {$100.00} thus making me overdrawn on the card. I called them and they could not explain why they did that. And if I didnt pay the XXXX because of the overage fees that occurred I would have my account closed. In XXXX they told me my balance was XXXX now they are stating its 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 monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Atm check deposit on XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX {$300.00} Atm withdrawal XX/XX/XXXX {$1000.00} Atm withdrawal XX/XX/XXXX {$300.00} Deposited item returned unpaid XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services Refuses To Validate Debt Belonging To Me, Phoenix Financial Services Also added additional debts to my credit report for the amounts of {$450.00} {$1600.00}, XXXX, and {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I received a letter from Equifax dated XX/XX/2019. It had been sent to my previous address as I had just moved in XX/XX/2019. The first sentence of the letter stated, " As you requested, we successfully placed an initial fraud alert on your Equifax credit report. '' I am not aware of anyone, including me, requesting an initial fraud alert. I called Equifax to inquire about the meaning of this letter, and to update them with my current address. After answering security questions for 15 minutes, they told me in order to explain the letter to me, I would need to mail them a number of documents including copies of my Social Security card and my Driver 's License. I felt it was unreasonable to be asked to submit documentation simply to have them explain a letter they sent me. I am hoping you can help me to find out what this letter is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I attempted to have XXXX XXXX installed at my home. The company ran into problems connecting and after several attempts I said forget. The equipment didn't work on all of my systems so there was no use. I spoke to several people there and was told to take the equipment to XXXX and they would pack it up and send it back to them. I than purchase the system from XXXX XXXX. I was told that XXXX would pay for any disconnect fees. WRONG In XX/XX/XXXX my credit took a dip and after checking it out I found that XXXX XXXX  had sent the fees into collection. I have no idea what game is being payed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Recovery Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX sold the debt to a collection agency who is using hostility and aggressiveness to settle the debt. They are contacting family members and relatives without my permission, and also my previous employer after I asked them not to contact them. They are also using tactics by saying that there is a pending complaint or suit against me in XXXX county, and that they researched my employer and relatives that I did not put on the application to try to reach me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I called and spoke with a member of their team known as XXXX I asked for my account to be closed and he stated a confirmation letter would be sent to my current address. I received a confirmation letter with that same date We have close your Kohls charge account as requested. 

On XX/XX/XXXX I received notification from one of my other credit cards ( XXXX XXXX ) stating they would be unable to continue to allow me to use my credit card due to my deceased status on my credit report. I ran a credit report through each of the credit bureaus and each of them showed the Kohls account status as consumer deceased. 

I called and spoke to XXXX on XX/XX/XXXX and he had me go to a local Kohls store to prove I was very much alive. I show two forms of ID and they said within 30 to 60 days they would remove it from my credit report that they had missed keyed their entry. They also stated I would get a letter confirming their mistake in 2 weeks. 
All of this information was confirmed by a supervisor named XXXX employee number XXXX. 

XX/XX/XXXX I called as I had still not received the letter and spoke to XXXX as well as XXXX employee number XXXX who states that the card was closed due to me being deceased they are just now opened a dispute with their company as of XX/XX/XXXX. The resolution of this phone call with stated that the status on my account would be updated in 24 to 48 hours and the credit bureaus were already told as of XX/XX/XXXX that I was not deceased. 

XX/XX/XXXX I received a letter from Kohls stating that I had recently requested a Kohls credit card account be re-open but they were unable to process this due to missing income. At no time have I asked Kohls to re-open my card I am simply asking them to correct their error in keying my credit report as a deceased consumer. When I called on XX/XX/XXXX again I got the same answers of they hadnt started yet but that I would get a letter as soon as they had. 

I have filed a dispute with each individual credit report all of which have returned to me having corrected the deceased portion however today I spoke with XXXX and they stated that Kohls was still reporting me as deceased and though they can fix it internally until Kohls fixes that my credit report will remain troubled. I would have to call every time and tell the credit bureaus I am not deceased until I can get Kohls to fix their internal error.  Unfortunately I feel I can get nowhere with Kohls they are refusing to admit error on documentation or fix their error in mis-keying my account as deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: NC

Complaint narrative:
Failure of mortgage servicer to automatically terminate PMI once the LTV reached 78 % without requiring an appraisal. This date was provided to me during closing with the loan underwriter. The date was XX/XX/2019. The amount is {$80.00} per month. So far, the total is {$240.00}. I initiated a request via phone then followed up with an email. The method of communication was requested by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
The company CBE Group is reporting a debt of {$290.00} from the original creditor XXXX XXXX. This debt was originally falsely reported by a previous company, XXXX XXXX XXXX, in the amount of {$160.00}. The debt amount has not only increased but is not valid. The original debt was deleted XX/XX/2016 from all credit bureaus due to it being a invalid debt. I have not received any communications from CBE group. This debt has already been disputed and deleted through the previous collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
There was an unauthorized credit inquiry made on my credit file from Charles Schwab. On XX/XX/2019, a fraudulent account was opened with Charles Schwab. I contacted the company immediately advising that this account was not opened by myself. I requested to have the account closed and the credit inquiry removed from my credit file. I followed up with Charles Schwab on Monday XX/XX/2019, to advised that the credit inquiry was still on my credit file. I requested a copy of the letter that was sent to the credit reporting agency for the removal of the inquiry, the company advised that the letter could not be provided due to being an internal system that is used to submit the request. Charles Schwab advised to allow until XX/XX/2019, for the inquiry to be removed. It is now XX/XX/2019, and the inquiry remains on my credit file and no follow up has been completed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: ME

Complaint narrative:
I got a phone call from Receivable Performance Management stating XXXX XXXX had reported debt in my name to their agency in the amount of {$69.00}. Although I had canceled my XXXX XXXX account a year ago and physically went to their office paid my account to {$0.00} with confirmation. RPM collection agency advised me to pay it to avoid the account going to collection then reach out to XXXX XXXX to determine where this amount derived from and dispute it with them. XXXX XXXX has stated legally they can not tell me anything about the account since they passed it off, and RPM has stated the same. This is very poor practice and seems like a way for companies to rip off consumers and create fake write off 's to the IRS. Especially for folks who are concerned about credit, pay on time and they know we will make the payment even if it is not accurate to avoid a collection that could cost us more in the long run.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
The original creditor XXXX XXXX XXXX opened the account XXXX XXXX. Debt was last reported XX/XX/2017 and was paid. The account is showing closed in the amount of {$0.00}. I was told by company that account would be completely removed from credit report once paid. Having this account showing on all credit reports display negatively to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I have sent multiple letters and filed disputed online requesting proper documentation signed by me. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - They are required to " Promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
Repeated calls multiple times per day. I told them to stop harassing me and I block their call but it comes from a different number the next day. They will not leave a message. When calling the number back they will not disclose any information about why they are calling until you give them your personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX XXXX, XXXX. ( " Servicer '' ) continually fails to respond to my email requests through their portal, and then claims no knowledge of said requests when I call to speak with a representative ( even though I have automated emails confirming receipt of my emails ). In the normal course, it is not a major issue, just an extreme annoyance. However, every year for the past three years, Servicer has failed to respond to my inquiries and document submissions regarding payment of my homeowner 's and flood insurance premiums. This has caused me to be late on my insurance payments and nearly caused my insurance to lapse one year. I am having the same issues again this year - when I call, they claim no knowledge of emailed submissions. There is a real risk that my insurance premiums are not paid from the escrow Servicer has been holding over the course of the year without an intervention.

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