vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email. 
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call. 
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance. 
Pls help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
Today, XX/XX/XXXX I successfully established credit freezes with the XXXX and XXXX credit reporting agencies. I attempted to do the same thing with Equifax and after completing their online procedure I was told " We are having difficulty verifying your identity ''. I was given the option of waiting for a mailed response or calling and I chose the latter. The Equifax agent then requested my name, Social Security Number, mailing address, phone number, and date of birth. I was somewhat reluctant to comply with these requests but did give the information. That turned out to be insufficient. The agent then wanted to know if I had a mortgage. I do not. She then asked if I had had a mortgage and with which bank. I did and the balance is XXXX. Thereafter she asked for a complete list of all current credit cards and balances and monthly payments at which point I lost patience. She said it was simply company policy to demand all this. I fail to understand why I should have to give more information than I had already given to determine who I am and what was wrong with the credit freeze process for this single reporting agency. I was already extremely unhappy about sharing such a lengthy and complete list of detailed personal information with a stranger on the other end of a phone call. Amongst the disturbing questions asked was the following : " Our records indicate that you may have applied for an auto loan or lease in XX/XX/XXXX. With which of the following banks did you have such a loan? '' I had made no such application and had no such loan! 

I hope that the CFPB can help me obtain a credit freeze with this agency and determine what obstruction Equifax imagines stands in the way of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Consumer Financial Protection Agency E-mail XX/XX/XXXX Dear Sir, Madam, I have fallen behind in my credit and payments. USAA refuses to cooperate. Most of the firms with whom I owe, have awarded me hardship status and accept half-payments until I can sell my residence, my last asset. It is listed with a realtor and on the Internet under my street address. 
I will be XXXX next month. My wife is XXXX. We have reached our medical limit for working. I am lame  from XXXX XXXX in XX/XX/XXXX when I contracted XXXX. My XXXX  started XXXX  in the XX/XX/XXXX with XXXX XXXX. I had the first of 12 intrusive XXXX XXXX in XX/XX/XXXX. In that year, I started menial jobs at XXXX and security guard cites. In XX/XX/XXXX, I left the XXXX XXXX as they require staying outdoors for 12 hour shifts. In XXXX, that's often at 114 degrees. I self-educated to obtain an insurance license in XX/XX/2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I could no longer work from my computer and retired from selling insurance. 
My total income is from our joint Social Security. I have gained hardship status from my other lenders, primarily XXXX and XXXX. USAA verbally agreed to accept {$30.00} a month. Nevertheless, they treat my payment as a partial payment and charge me a {$30.00} late fee. 
I respectfully ask that you review the matter and assist me in gaining a hardship status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continually get offers from Capital One. I have, twice, called XXXX to opt-out of receiving these solicitations to NO avail. I have called Capital One and was told I would NOT be getting any more offers. I was even asked why. Why? 25 % interest is exorbitant. I have XXXX at 17 %. I am so tired of getting these offers at my home address and at my post office box. THEY WILL NOT STOP THESE UNSOLICITED MAILINGS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a XXXX employee ( XXXX ) that was affected by the XXXX XXXX from XXXX. On XX/XX/XXXX I contacted my mortgage company, XXXX servicing loans to inquire about any forbearance options that they may be offering XXXX XXXX because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX  XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXXXXXX XXXX delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XXXX. So I called XXXX on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted XXXX escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The information regarding my employment with the United States XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by Equifax it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Someone stole my identity, this medical collection is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX  account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We recently purchased a home in XXXX with an FHA loan. Our mortgage transferred to XXXX XXXX, a month later Mr Cooper took over XXXX XXXX. We broke up a payment into 2 payments due to my husband being short hours at work. When our loan transferred to Mr. Cooper, both payments were missing, they have recovered one, but 2 months later along with many phone calls, the 2nd payment is still missing. We have submitted proof of payment and everything to have this credited to our account, but it has still not been done! There is also no way to speak to anyone in the department that handles the missing payments and we are just told that they will reach out to us when they find out something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used my credit card to purchase sensors from XXXX XXXX XXXX. And then after paying them with a check from my monthly bill. They billed my credit card for the same amount again. And I never gave them permission to use my credit card for billing. I called Capital One and they started a fraud case. They said that they would send me out paperwork to fill out. They never did send out anything for me to return.They did however send me a letter. Saying because I didn't provide them proof. They were giving them the money. And I told them I never authorized them to use my card. And they were helping them commit fraud. So I closed my account with them. I have never seen any credit card company approve a transaction a customer didn't. If you don't see something wrong here I wonder. I thought it was my credit card not Capital One 's. I didn't know they got to approve what I purchased with my card. Maybe they should make the monthly payments too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer, Loancare received a loss mitigation application request on XX/XX/2019. On XX/XX/XXXX we confirmed with XXXX in the loss mitigation department that this application for loss mitigation was received. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. This is an FHA loan. They should be reviewing me for authorization to participate in the program. When we call in we get no information on the review of my application to participate in the FHA - PFS program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
Hello so someone is making fraudulent checks with the address of XXXX in michigan. They sent me a check for {$2500.00} and then it was an error and to send the extra {$1500.00} to a cash app user which i did since the bank gave me the money in my account and then took it away later. I have been contacting everyone i possibly can and trying to track where this came from and their connections with every detail they said through text. I have some leads. I filed a police report in XXXX XXXX California : I believe the person that scammed me lives in the eastern standard time zone ( florida, virginia, new york, michigan ) specifically and potentially lived in XXXX XXXX in the past. Please contact me I have spent the last week finding all possible leads. XXXX XXXX was also really helpful because they gave me some details that I found someone with links to all of the details and their picture on XXXX XXXX even if its fake I have seen before and I belive that was the picture they used talkin to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Card. I get my statements by email, have for years. I get a notice that my statement is prepared and I go online and set it up to pay before the due date through my bank. Then I get a notice a few days before due date. Have done this for years. In XXXX I did not get a bill or any notice. I had a large refund on there I knew from an insurance policy so I knew it would be a while to draw down the credit. Did not get the first or second notice. Also didn't get notice of my XXXX statement. Went on line in XXXX and saw that they prepared a statement in XXXX and never sent it to me. They hit me with no payment fee of {$25.00} and interest. Also my XXXX statement was on there from a week earlier. I keep all my emails and went back thru them and I did not receive any emails from them in XXXX or XXXX. I checked by name and by the dates of their statements going before and after a week on each. No notice. I quickly paid XXXX and called them today XX/XX/19. I spoke to a person named XXXX who said that they are having problems with their computer system and it has had a good bit of downtime. Seems odd that I missed two notices for XXXX and one for XXXX. Said he can't due anything about the interest and a supervisor said the same thing. They can't explain why I didn't get billed and aren't concerned that it is still happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX years old disabled senior with major medical issues. In XX/XX/XXXX I suffered a XXXX XXXX XXXX, losing 30 % of my XXXX. I have XXXX XXXX XXXX, I am in XXXX XXXX, have XXXX  XXXX in my XXXX, causing incredible pain. This XXXX issue caused me to have a XXXX  XXXX implanted in me. The XXXX divers not XXXX, but the stronger XXXX : XXXX. In XXXX, we refinanced out home with Wells Faro under a Stated Loan Program in order to fund improvements to out home. At that time We were given aproximently a 6 1/4 % interest rate at the time. Since then, even after the XXXX crash, when interests rates plunged under 1 %, we were continually denied a refinance on out wildly inflated interest rate. At the point that I had my XXXX XXXX, and was thus prematurely retired from work. This out incredible strain on my wife, who overnight became the sole breadwinner for out house, with me and my college age son unable to contribute. At that point, we became delinquent on our mortgage payment due to the absurdly high interest rate that we were systematically denied for for years. We were continually denied after we explained out hardship to Wells Fargo, XXXX that put us on track for an unethical foreclosure. After numerous attempts to contacts Wells Fargo, we have been bounced around over the phone dozens of times, our hardship letter has gone totally ignored, any request for postponement or leniency has been met with silence until last month we were alerted of a sale date on our home. The NPV that is calculated by the Department of Treasury, we are told, gives us a XXXX or so on it, and while no one will give us any info as to how that is calculated, we have been told it is the main reason we can not refinance. This entire situation occurs because of a XXXX XXXX XXXX I underwent. We we're never delinquent before that occured, not once. I am physically unable to move from this house due to my health and this situation will lead to my early death if we can not get it resolved, and it will be wholly due to the unethical, immoral, XXXX disrespectful way Wells Fargo has handled This. Please help in any way you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As of XXXX XXXX my Chase Bank Military checking Account has a overdrawn fees of {$61.00} and derogatory remarks on my account ending # XXXX that needs to be removed. 

I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
I had a hospital bill from XXXX XXXX that was for {$86.00} from 2014. It was paid and now 5 YEARS later Wakefield and Associates reach out to me asking to pay again. I knew it was a scam that they couldn't prove that it was paid. I looked them up online and indeed, they have been scamming people.

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