vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I had a hard inquiry show up on my Experian Credit report that I never authorized. I contacted Experian to have it removed and they are basically refusing to do so.

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 2019-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received notification that Capital One Auto Finance has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2019, XXXX XXXX reported a 30-day late Account XXXX XX/XX/2019- Comenity/XXXX  XXXX XXXX reported a 30-day late Account XXXX My Bank XXXX incorrectly returned payments and has sent a letter acknowledging there error. Spoke to both creditors and approved the bank mistake and will not update the error. I have sent this documentation to all three bureaus XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: SC

Complaint narrative:
On XX/XX/2019, I was contacted by a sales rep from XXXX XXXX XXXX. XXXX XXXX sold me advertising space on an upcoming brochure. I was told by XXXX that I would pay {$490.00} on my credit card and I would sign a docusign contract for the ad. I would also receive an email the next day from the art department of XXXX XXXX XXXX, requesting my artwork. That evening I discovered the sales rep had not been truthful about who referred her to me. I was no longer comfortable about this transaction. On XX/XX/19, I called Choice Media, no answer, so I left 2 voice mails explaining I wanted to cancel the ad. Later in the day, on XX/XX/19, I received an email from XXXX XXXX Art department requesting artwork. I responded saying I wish to cancel the ad. There was no other response from XXXX XXXX. A week later I saw the charge of {$490.00} on my Capital One Mastercard statement. I used the Capital One phone app to dispute the charge.

XX/XX/19 Cap.One responds that they found in favor of merchant. see attached. 
XX/XX/19 I finally reached XXXX XXXX. They were hostile. They acknowledge receipt of my desire to cancel, but informed me I could only resolve my dispute through Capital One. I responded to CapOne with more documents and explanation. See attached XX/XX/19 I responded again with the documents for the 2nd time. 
XX/XX/19 XXXX at CapOne said my dispute denied for originally submitting an incorrect reason for dispute. This is the first time I am hearing this. She said she will resubmit under correct reason and problem will be resolved XX/XX/19 Received letter from CapOne about dispute. I called CapOne and spoke to XXXX. She went through the story about the original reason being incorrectly submitted and claimed it would again be resolved. This is now the second time I am being told the original reason for dispute was incorrect. I am confused over this comment because the CapOne app was the method I used to submit my dispute and I am not sure what reason was selected at that time. 
XX/XX/19 Speak to XXXX, then manager XXXX at CapOne. I am now being told that my dispute was declined because I signed a non refundable contract. This is a new reason being provided by CapOne and does not support their 2 prior explanations for denial. I am now 3 months into this dispute. The merchant does not return emails or phone calls. XXXX XXXX told CapOne no refund once ad had run. They never created an ad or received any artwork to produce an ad. CapOne has paid the merchant and has charged me {$490.00}. XXXX XXXX XXXX is in XXXX, WA and I have no way of taking them to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I had fallen behind on my mortgage and was in foreclosure. I applied for a loan modification in an effort to save my home. On XX/XX/XXXX I was denied for a loan modification but approved for a repayment plan. The conversation I had with an SPS representative is attached. Although I followed through with the repayment plan, SPS sold my house at auction on XX/XX/XXXX. That sale was vacated, I have attached the docket for my foreclosure case. The certificate of sale is document # 27. I continued to make the repayment plan payments, please see plaintiff status update filed with the court XX/XX/XXXX stating I have made every payment on time. On XX/XX/XXXX I had the following conversation with an SPS representative - " spoke to XXXX XXXX and his position is the investor just wont review / he can short sale / does not care what was promised or that the client followed through for a whole year ". I am now asking the CFPB to examine this situation because I believe I have been lied to by my mortgage company. I was told I could continue the repayment plan until I was current, after one year they refuse to review when I was promised. I did my part and I feel this is unfair, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX. 

I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out. 

It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Calls my place of employment repeatedly. Even after warnings not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: MS

Complaint narrative:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. Equifax score of XXXX, XXXX  score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
On XX/XX/2019 Howard Lee Schiff PC took roughly {$2300.00} of Veteran XXXX Pension from my bank account. Ive called them multiple times and have sent them endless documents to which they closed the account and considered it paid. This is illegal, they cant garnish VA benefits. Ive provided them everything they needed to confirm my identity & bank information along with VA benefit information. They refuse to put the money back in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I took out a loan with trust for {$2000.00} with the agreed amount to be paid back would be {$2600.00} if paid back on XX/XX/XXXX ( please keep in mind I have borrowed from blue trust loans before many times and have never missed a payment and paid the loans off quickly. ) On XX/XX/XXXX I paid {$730.00} on the loan and then asked if I pay the loan off on XX/XX/XXXX how much will I have to pay I was told {$1900.00}. On XX/XX/XXXX I called and was told I would have to pay {$2600.00} to pay the the loan off in full, I proceeded to ask why is there a {$700.00} fee after I just made a payment they said the loan increased by the day I proceeded to say that this not right and asked for a supervisor the guy then preceeded to tell me I just didn't understand was put on hold so he could get one, I hung up the phone after waiting for a while with no answer.

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 2019-11-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Dispute XXXX. I provided all information related to the case. I was charged for something that was never received, merchant failed to deliver product and city bank let the merchant keep the money without delivering the product.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I requested the debt be validated with signature and complete account information and they they sent me a statement with only the amount without original contract, signature, or account information. They did not respond to any of the items or information in which I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am lodging a formal complaint against lvnv funding. this debt buyer has intentionally continued to report derogatory information on my credit reports that isnt mine.i have requested thru mail since XX/XX/2017, debt validation for this account on my reports. and they have ignored my request but continue to report every month. lvnv also never sent me a dunning notice in the mail before they reported which is a violation of the fcra/fdcpa act. i have called and spoke to them about this and they continue to tell me we dont have to send you anything in the mail before we report on your reports which is a lie. this debt is for a XXXX XXXX XXXX credit card which i never had before. ive never had XXXX XXXX XXXX   on any of my credit reports which i spoke to them and told them. the representatives told me they dont care and i need to just pay. i am in the process of purchasing my very first home and this errounous account is holding me back. i am requesting immediate deletion of this account from my credit reports and no further action will be taken. if not i will be reporting to my state and lvnv state attorney general offices, and contacting legal options. thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-18 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-18 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:
As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

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 2019-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: NY

Complaint narrative:
As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.

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 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
Rushmore Loan Servicing has failed to correct my monthly escrow payment despite 4 calls over the last two months. My loan was for a new home. Since there were no prior property tax records because of new construction, taxes were estimated at closing to be approximately {$4500.00} annually. The actual assessment came back at the end of XX/XX/XXXX, with a note stating it was a copy and not a bill and the bill was sent to Rushmore. The assessment indicated the actual taxes turned out to be {$2500.00} annually. Since the taxes were to be paid soon, I immediately called Rushmore to  make sure they did not over pay and to ask for an escrow refund and analysis, since I was paying almost double what was required for almost a year. The first call was to the tax department. Although I could see on the online system they had the bill and were paying to {$2500.00}, it showed they were going to pay it twice a year. I asked her to correct it to the once a year payment period as indicated on the bill. The representative said she would. When I checked back a few days later, it showed once a year, but she failed to correct it to the lower amount, so I called back again. This time the tax department told me I had to speak to escrow. So I called escrow. The man I spoke to seemed to understand what I explained. He told me he would do an immediate escrow analysis based on the {$2500.00} once per year, send me the escrow overage, and have the account analyzed so my payments would be lowered to reflect the new lower monthly escrow obligation effective XX/XX/XXXX. So I signed on today and learned that an escrow overage check was processed, my taxes showed as paid once per year but still at the {$4500.00} amount, and my monthly payment had INCREASED, NOT decreased. So I called in again and the tax rep, XXXX, told me I should have talked to them first so they could adjust the tax lines before the escrow analysis so that it could be done right. She then said it would take ANOTHER 21 days. The problem with that bad service response is that I DID start with them and they already got it WRONG. So two months later, and apparently another 21 days before I can check to see if they get it right the fourth time, here I sit, HIGHER payments, wrong tax lines, and waiting for the escrow overage I first started requesting 60 days ago. RESPA, RESPA, RESPA. Arent there servicing and timeline requirements for escrow overage refunds? Do they somehow not apply to my loan? This is NOT that difficult.

Company response to consumer: Closed with explanation