vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 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: PA

Complaint narrative:
I have not been successful with my request to Capital One for relief from {$720.00} in charges fraudulently applied to my credit card account. The background for these charges follows : 1. On XX/XX/2018, some unknown person without my authorization used the information from one of my companys Capital One Spark Business cards to make six ( 6 ) separate and identical purchases on XXXX. 
2. On XX/XX/2018, someone again, without my authorization used the same card information on www.Walmart.com to make eight ( 8 ) separate and identical purchase transactions. Each of these  transactions consisted of two separate items. 
3. On XX/XX/2018, eight ( 8 ) separate XXXX items were delivered to our business location, and although our employee signed for them in a routine manner when asked by the XXXX  driver we promptly contacted Capital One to report the incidents as being fraudulent. We also flagged all fraudulent charges on Capital Ones website. 
5. We did not become aware of the remaining portions of the eight ( 8 ) fraudulent transactions on XXXX until I received my next Capital One statement, because those items codes for gift cards, as we later learned were delivered digitally to an email address that is not associated with our business. 
6. Also, because Capital One has never provided any information on the transactions made on XXXX, we did not become aware of those six ( 6 ) fraudulent transactions on until I received my next Capital One statement. Those items have never been delivered to our business location, and we still do not know what the transactions were for. 
7. In three of my attempts with Capital One to resolve this entire matter, I followed Capital Ones instructions and called Capital One Customer Fraud Protection department. For each call I made, a recorded message stated someone would return my call as soon as possible, but no Capital One representative has ever returned any of my calls. 
8. On XX/XX/2018, I called Capital One Transaction Support Center and talked to a representative who explained that Capital One doesnt consider our case to be fraud, because we actually received and signed for some of the purchases. See # 3 above for a complete explanation of this. 
9. On XX/XX/2018, I called Capital One Transaction Support Center, which ended when the representative determined he could not help me, but he would contact Capital One Customer Fraud Protection and have someone call me to complete the resolution of this matter. No one has ever made any such promised call to me. 
10. On XX/XX/XXXX, I received a postal letter from Capital One Transaction Support Center stating, in reference to my Fraud Case, we consider your case closed. As a result of all this, {$720.00} in fraudulent charges remain on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I Q Data International Inc dba XXXX  XXXX  has attempted to collect an alleged debt from me. I Q Data International Inc dba XXXX  XXXX   has placed negative information on my consumer reports and has caused me financial harm. I.Q Data International is not a licensed debt collector in my state ( State of Texas ) and has violated state statutes regarding debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXXI Inaccurate information issues Complaint : XXXX XXXX XXXX Complaint against EQUIFAX CREDIT REPORT I m demanding you to remove or correct INACCURATE INFORMATION as follow : 1- My correct name is XXXX XXXX XXXX NOT ( XXXX  ) please see attached document 2- In XX/XX/XXXX I  arrived USA for the first time in my live as XXXX  ( see attached document ) you stated on the report page number ( 2 ) CREDIT CARD LIMIT XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX. 

3- On the report page ( 40 ) credit limit XXXX According to my right these inaccurate information must be removed or corrected Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
Elite Financial has contacted myself and my fiance several times over the last several months. They will not verify who they are calling from until they are asked MANY times, even after verifying for them that they are speaking to the individual they called for. They are automatically rude and threatening when it comes to any kind of resolution. I have been told multiple times I would receive paperwork/notice in the mail about the debt and how to settle it. Have received nothing at all. After telling them I would not settle the balance without further information they have continued to call my cell phone, but hang up when I answer, and they still continue to call my fiances phone, but will not give him any clear answers. They have threatened to take action on both mine and his credit if we do not resolve the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I received a credit monitoring alert that my First Citizens Bank Auto Loan was " Closed '' and that the balance had increased ( see attached screen shot ). My account is not closed and I have never missed a payment ( see attached First Citizens Account History ). I contacted First Citizens about the issue and they advised they were aware of the issue and were working to correct it. I sent a second email and asked if they were aware why didn't they contact their customers to advise them of the situation. I received the exact same " canned '' response from a different rep. I have received no other communication from them and as of today 's date XX/XX/18 the issue still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA

Complaint narrative:
Yesterday I was at XXXX XXXX XXXX XXXX at XXXX XXXX  .Located in XXXX , it is outrageous how they can lie to customers without caring, I have a credit union loan approval, the seller XXXX and the manager said that the loan approval letter was false, that is a lack of respect and discrimination to my person, the manager told me that nobody could give me a loan. They wanted I use theirs bank to finance the car, the payment is double.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from a company called XXXX XXXX  telling me that my credit application was approved. I did not apply for a loan from this company. On XX/XX/XXXX, the company deposited {$1000.00} in my bank account. I called my back to inform them that I did not authorize a loan request.

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 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Bank did not properly disclose an excessive fees charged when a balance dropped below {$50000.00}. At the time of account opening, I was having issues because I was not receiving documents as promised. I called the bank on at least 7 occasions. I never received a signature card, they enrolled me in paperless statements without authorization, I was unable to create an online account ( they assisted and got it done ) etc. In XXXX, the bank started charging me a {$30.00} fee. I did not notice it right away- I do not recall receiving the statements however I was recovering from a major illness. In XXXX, I called several times about the charges and requested the terms and conditions and the proof of my authorization for these ridiculous charges. Why would I pay {$30.00} for a checking with over {$25000.00} balance when there are free checking accounts everywhere? I asked they send me the consent from account opening. When I did not receive it several weeks later, I called again this morning. I was on the phone almost an hour. I was told the information is " proprietary '' on three occasions ( ridiculous use of that word! ). I was directed to new accounts who could not verify my consent then I was set up with a personal banker who would not allow me to speak and just kept interrupting me. She finally confirmed- and repeated it several times at my insistence, they do not have the consent. She said she can walk me through a similar account opening- I again, asked for MY consent as it should be required in record retention. The manager and woman I spoke to were just so unaware of any regulatory requirements for retention of account opening records or records of disclosure. The customer service people here simply do not care about consumers rights.

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 2018-12-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
For over a year I been I contact with XXXX XXXX  customer service train to resolve the residual payment for my insurance company from hurricane Maria 2016 and I have resolved any thing every time I call they give me a different history, the home repair all ready pass the inspection 100 percent and they dont want to give me the XXXX, please I will like to ask you for help. My loan number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX phone XXXX XXXX XXXX phone XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
MT Bank charged me a fee of {$360.00}. They claimed it was for legal fees of previous lender ( XXXX XXXX  ). Their employee XXXX XXXX investigated the matter and came back with information that the {$360.00} fee was for fees. He said that the fees was for 24 months of inspection cost of 14 day. This is totally illegal. They are making up stuff to cover up the fraudulent activity. I am so frustrated with this bank. Its so unfavor. I want my money back.

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I originally had a CareCredit Acct opened for {$4000.00} which I had been making monthly payments too-never not paid. This past summer I got a phone call/letter in the mail saying that I was being kicked off of CareCredit and into an Attorneys hands. I was NEVER notified or warned as to why. I have been making payments everymonth ON TIME ever since and have tried to dispute all of this because it has affected my credit score significantly. I have recently tried to dispute this with the company and I have noticed that my credit score has gone down AGAIN and keeps going down. They're saying because my account is in charge-off which I never agreed for it to be because I was never even aware of what was happening. Im trying to FIX the problem and make my pants even earlier and on time and Im still noticing my credit score is decreasing!! This is not right. I have XXXX left and I am being told that my credit score will keep decreasing if that payment is not paid in full right away?! This is not right! I am a person that pays everything on time and checks to make sure everything is correct always because I care about my credit and score and this is very frustrating!!

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 2018-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.

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 2018-12-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.

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 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My loan is part of the XXXX XXXX held XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes. I am disputing the legitimacy of this trust and Select Portfolio right to attempt to foreclose on my property at XXXX XXXX XXXX XXXX XXXX Ga. I will need information confirming the existence of the XXXX XXXX XXXX XXXX XX/XX/XXXX. I have researched it myself and have found that there seems to be no information on it past  XX/XX/2015. This concerns me. I have requested this information multiple times before via handwritten request as well as verbal requests. I am well aware that the trust is held by XXXX XXXX. I need recent records on the actual trust itself. Recent financial records, Tax records, anything that can show me that this is a legitimate trust and is still in existence. I have spoken with XXXX XXXX from XXXX XXXX, who apparently manages the service agreement with Select Portfolio, and he could tell me nothing about this trust saying that, XXXX XXXX XXXX may have a record of it. Why XXXX XXXX XXXX would have a record of it I have no idea. It's supposed to be held by XXXX XXXX. I am sure you can understand my confusion and concern as to where my money is actually going. I find this lack of transparency between Select Portfolio, XXXX XXXX, XXXX XXXX and whom ever else may be involved with the XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes, to be completely unacceptable. I have a right to know and gather information on this trust to make sure it is all Legitimate. Not to mention all banks involved have been fined heavily in recent years for bank fraud as well as securities fraud and I believe XXXX XXXX Headquarters in XXXX was just raided due to money laundering accusations. This to me is extremely worrisome and I demand transparency on all aspects of this trust that my mortgage is part of. Every time I ask this question my only response from Select Portfolio Servicing is that XXXX XXXX is the holder of the trust. Let 's see if we can dig a bit deeper this time. My intention is to keep my house and I am able to catch up on payments once I am secure with the situation. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal is holding {$220.00} of my funds. 
They wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. 

They insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers such information. If they insist on possessing such information, I refuse to be their customer, but they hold me hostage by  holding my money. I have never signed an agreement with them allowing such intrusion in my privacy. 

Please make them pay me my (! ) money I unsuccessfully discussed this issue XX/XX/2018 with XXXX, Badge ID  XXXX and with his supervisor XXXX, ID XXXX on the phone ( XXXX ) XXXX. 
I also emailed on XX/XX/2018 the following PayPal executives with no response : XXXX XXXX, Customer Solutions Group Leader, ( XXXX ) XXXX o XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, Chief Financial Officer and Executive Vice President Global Customer Operations o XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX, Executive Vice President and Chief Operating Officer o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, Chief Executive, President and CEO XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief