vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I have contacted XXXX numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called State Farm Bank nor gave anyone else the permission or the authorization to use my information. I have contacted XXXX  to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. XXXX   never conducted a proper investigation. I have requested their method of verification from XXXX   and from State Farm Bank but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with State farm Bank is a result of mail fraud, please help me resolve this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I send my package for a modification under the program " Keep your Home California '' I initially paid someone to help me with the process since I didn't understand the paper work, but that person bailed out and took my money and disappeared. After multiple attemps I was able to modify my mortgage. Everything was perfect for 10 years until now. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX. their phone number is XXXX stating that my home was in foreclosure. Apperanty during my modification OneWest Bank and their Title affiliates were not transparent in a second mortgage that I had with XXXX XXXX. XXXX XXXX did my home loan in XX/XX/XXXX they gave a first and a second loan. XXXX XXXX sold the loan to INDYMAC and then INDYMAC sold to One west. I went to One West for my loan modification on XX/XX/XXXX Indymac Loan number XXXX and Investor Loan number XXXX. One West and their title affiliates did the modification without clearing a Second mortgage that had disapeared for years. I mean disapear because they did not contact me via mail, email, Phone calls or text. The only communication i received was the letter dated XX/XX/XXXX with a foreclosure document attached. 
I was just informed the 2nd loan of {$49000.00} was never included in the modification and as a result I have received a notice of default on XX/XX/XXXX. 
However, In the pass 10 years I never received any notices by mail or collection calls that had anything to do with the 2nd loan being defaulted. 

When I purchased and refinanced my home I had no Idea what a preditory loan was until my mortgage began to fluctuate. This was when I was forced to modify and I thought that I was under protection with my first loan and my second mortgage. Now I learn that the second mortgage went dormant possibly to wait for equity on my home and come back as another predatory lender seeking to take my home away thru foreclosure. Again XXXX XXXX XXXX did not contact me at all for 10 years I dont even know who they were until now. 

I do not want to loose my home I want this to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: ERC
State: FL

Complaint narrative:
I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is  wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g.  validation of debts 5 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My sister keeps getting Notifications on her credit report with my name on it which is XXXX XXXX.Shes getting notifications with my name on it in my past telephone numbers and anything that is in my name is affecting her Social Security card and her credit report my sister and I are twins and we are One Social Security number off from each other so whatever I do is affecting her credit And she is blaming me for fraud.

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Back in XX/XX/XXXX my wife and I had to file bankruptcy. At that time my mortgage company ( XXXX ) and my Lawyer advised us to re-mortgage our home. The mortgage was explained as a 30 mortgage with paying the bulk of the interest up front as interest only for the 1st 7 years then switching to a principal/interest loan for the last 23 years to pay off our house, because the bank was taking a larger risk with refinancing to us with the bankruptcy. We figured no big deal due to the fact interest has to be paid regardless and we'd be paying most up front. Fast forward to present time, My mortgage has since been sold to Fay Servicing. I've paid the 7 years interest only but now they are still taking almost {$1000.00} for interest and only {$60.00} for Principal. I called to find out whats going on and was told that its an interest only loan and whatever isn't paid off in 30 years I'll owe that money still. I've been paying a bi-weekly until XX/XX/XXXX and my mortgage has come down {$22000.00} in almost 13 years of paying on it and {$19000.00} out of that {$22000.00} came from my extra payment a year. So in 13 years of paying my mortgage only only {$2500.00} went towards the principal. I still owe {$220000.00} and id need to pay {$1000.00} towards principal and {$0.00} towards interest to pay off my house in time. So basically my Lawyer and mortgage company took advantage of my wife and I at our lowest point where we were depending on him ( Lawyer ) to protect and advise us on what to do. Now our mortgage has been sold and lawyer has passed away, So I reached out to the Attorney Generals office and was advised to call you guys and file a complaint due to the fact that this type of mortgage is partially responsible for the housing market crash of XX/XX/XXXX and is almost illegal now. Thank you for your time and anything you can do to help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was traveling across the country on XX/XX/XXXX when my card was used in my hometown at an ATM to withdrawal {$300.00}. I had the physical card with me in a completely different state almost 3000 miles away. Capital One let the charge go through and also charged me a {$10.00} ATM fee. I have been a Capital One customer for 15 years and I have never used cash advance and do not even have a PIN associated with my account. I called Capital One and they reversed the charges. It is now XX/XX/XXXX and they have reinstated the charges, claiming it was not fraud. I spent 2.5 hours on the phone with the company and was transferred to several supposed Account " managers '' all with common names like XXXX and XXXX. They claimed that I requested a new card the day before I left for vacation, which I explained this is my only credit card and that makes no sense that I would request a card to be sent to my home address when I am 3000 miles away with no other form of payment. Also, this is the first time I had heard that " I '' requested a new card and have no email notifications or account notifications from CapitalOne of this request. I also stated I never received this supposed card and they flat-out told me that I did receive the card, which is essentially calling a loyal 15-year customer a liar. I filed a police report about the fraud and informed capital one, and they said there's nothing they could do about it. I asked to be transferred to their legal department. They put me on a 20 minute hold and came back and said they could not transfer me. I work for a XXXX XXXX and have now sent a certified letter to the president of Capital One. I am simply asking for {$310.00} fraudulent charges to be erased from my account, and am in-turn being called a liar and being told there is nothing the company can do. I have sent proof that I was in a different state and have filed a report with the FTC and alerted the credit bureaus. Capital One is refusing to do anything about the fraudulent withdrawal, the ATM fee, and the card they supposedly sent to me that I did not request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
MY SON, XXXX XXXX XXXX MEDICAL BILL TO XXXX XXXX XXXX WAS PAID IN FULL THROUGH INSURANCE COMPANY AND BALANCE PAID BY US, PARENTS, ON XX/XX/19 VIA CHECK. I SENT A COPY OF CHECK TO COLLECTIONS AGENCY TWICE AND TO XXXX BILLING AS WELL. STILL RECIEVING CALLS FROM COLLECTION AGENCY CMRE. I HAVE ATTEMPTED TO RESOLVE THIS WITH THEM AND EMAILED SEVERAL COPIES OF CHECK THAT WAS GIVEN TO XXXX BEFORE TURNED OVER TO CMRE. THEY DENY RECIEVING EMAILS AND REFUSE TO TALK TO ME AS MY SON IS XXXX YEARS OLD. HE IS ON OUR INSURANCE AND WE PAID BILL. NEED HELP RESOLVING THIS ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY

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 2020-01-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/19 I received a call from CapitalOne credit card advising me of charges being made to my account from XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In the amount of {$1500.00}. 

After informing CapitalOne we did not make the charges they removed them on XX/XX/19. 
However, after further investigation I was inform since these were not made on line. I am responsible. My attorney XXXX XXXX wrote them and I have filed a police report and still they say I'm responsible and they are done with their investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used Square for my business needs with XXXX and they closed my account, after my account was closed my remaining balance was/is being held from me for 90 days starting the XX/XX/XXXX, I need this money horribly to survive. They have shady terms and the fact i could accept money but now they wont let me recieve my payment that i urgenty need put me in a position where i am scared for the next week on how i will pay rent for my family. This is a huge problem ive had with lots of companies dealing with bitcoin transactions, funny thing is these companies just have to let me process my payments and thats my ony wall i keep running into trynig to use these services. Im scared for the future because I made a mistaje using this service. This is unfair and inhumane. I dont deserve this. I cant get any help or even an email from support dealing with this matter i feel so hopeless and sick to my stomach over this. The phone line they have is a useless bot so ive taken action with you guys. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 a method of verification letters were sent to both Equifax and XXXX. Equifax has failed to even respond and XXXX replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.

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 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In late XX/XX/2019 I received a notification from my credit monitoring service that there was a collection added to my XXXX credit file. I immediately contacted IC systems and paid the medical they were collecting on behalf of XXXX XXXX. The amount owed cleared my account on XX/XX/2019. The collection was removed from my XXXX Credit report as per the agreement with IC system in mid-XX/XX/2019.  On XX/XX/XXXX I was alerted that the same item by IC system for the same amount had been re-added to my XXXX credit report 2 days earlier. I immediately contacted IC Systems where a very rude representative ( he was dismissive and did not want to hear what I had to say ) hung up on me. I called back and another lady answered and was kind enough to look at my file and confirm that I had in fact paid and that it was updated back in XX/XX/2019. I had paid the agreed upon amount and they had removed it from my credit report. She advised she would notify her supervisor and her supervisor would call me the next day. The next day came and went and no one from IC systems called me back. I waited and called again on the XX/XX/XXXX. To which no one helped even after 2.5 hours on the phone and over 7 different transfers. I even called XXXX XXXX XXXX which reported that IC systems never told them ( XXXX XXXX XXXX ) that I had in fact made a payment back in XX/XX/XXXX. I asked the XXXX XXXX XXXX representative to stay on the line and confirm to IC Systems that this was the same date of service and not a duplicate. He stayed on the phone while I was transferred 7 more time and no one would speak to him or I to clarify this situation. Currently my credit score/report are taking a significant hit because these two companies can not get on the same page and report correctly to the Credit Bureau, even after confirming payment. I am at a loss at the lack of customer service with IC Systems staff. I am significantly upset that something I handled so promptly is taking this long to handle. 
No to mention that ALL of this would have been avoided if XXXX XXXX XXXX would have billed BOTH my insurances for the service they provided, and followed up with the required information my insurance requested from them. So not only did I pay for a collection that I was OVER insured for, but now I am dealing with IC System and their defunct way of damaging my credit report without concern, even after I paid. 

I hope no one else has to deal with situations like this but I see that this is common practice with these two companies. I ask that my credit report be correctly updated and the collection that was placed on my credit file erroneously be removed.

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 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was expecting for a check that I never received, because someone stole it. 
I called the two banks, and no one takes responsibility, the Discovered Bank said I have to call XXXX and the XXXX that I cant make the claim I can not understand how the back could cash it with out my ID or signature on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I contacted Experian due to be charged {$19.00} for credit monitoring that I canceled on XX/XX/2020. The customer service representative canceled the paid subscription and said that she was refunding me the {$19.00} for the service and that I would receive an email confirmation of both the service cancellation and the refund. She also stated that it would take 3-5 business days for the refund to show into my account. That time has come and the refund is still not in my account. My bank doesn't hold deposits of any kind so it's not my bank that is holding things up. I've tried several times to call Experian and speak to someone live but their automated system wouldn't allow any transfer to speak to a person. There is no other expedited way to speak to someone at this Credit Reporting Agency.

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 2020-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-21 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:
XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a 0 balance

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 2020-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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