vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: AL

Complaint narrative:
In XXXX and XX/XX/2020, I disputed several collection items, XXXX recovery Account # XXXX for {$75.00} and XXXX recovery- Account # XXXX for {$230.00}, with XXXX and Equifax . as of today,XX/XX/2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2020, I contacted Penn Credit Corporation account # XXXX. This writer advised Penn Credit Corporation i requested bill from the original company because i don't have an account with Penn Credit Corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. 
I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to multiple data breaches I decided to place a freeze on my credit reports for security reasons. I was able to register for an account online and place this freeze with XXXX and XXXX, but Equifax gave me an error regarding inability to verify my identity, and that they would send me a Pin to verify my account. I got the letter in the mail and followed all instructions to register the pin and try to connect my account. I keep getting a message saying " We can't complete your request at this time. 
Please call the Customer Care team XXXX '' However whenever I call the number i am unable to get a customer care representative. It just keeps asking me to verify personal information and information about my credit report, and then says " unfortunately we can not help you '' even though all of the information I entered is correct ( verified through credit reports ). 

I tried re-creating a new account, but it says i have an account and need to try to login to it. I tried resetting the password ( which asks for personal information to verify your identity, and then gives me the same error message above. 

I am stuck in an endless loop of errors and systems that are completely useless, and have no way of entering my account to verify my credit freeze or manage my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a One Vanilla prepaid card from XXXX on XX/XX/2020 in the amount of {$65.00}. I tried using the card but it did not work. I went back to XXXX to make a complaint but I was told once they sell the card they have nothing to do with it working or not. I was referred to the company one vanilla. I called one vanilla on XXXXXX/XX/2020 to make a complaint and was asked to submit the original receipt and my picture ID and they would resolved the issue in 1-3 days. Case number XXXX. After submitting the documents I called back and was told to wait another 1-3 days. This went on for about two weeks, each time I call I get told to wait 1-3 days. I called again on XX/XX/XXXX and was told it would take 10 business days from XX/XX/XXXX which is XX/XX/XXXX. I called back today XX/XX/XXXX and was told it would take 1- 10 days from today. The company one vanilla seems to be ran by a company called incomm and so far they have refused to refund my money or provide a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: VA

Complaint narrative:
I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed 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 2020-12-22 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: VA

Complaint narrative:
I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: KY

Complaint narrative:
I tried to fax my information to XXXX, the fax number listed on web site. Not a fax number, number has been disconnected!!! I tried to enter my information online XXXX XXXX XXXX the Link does not work? 

Is this some kind of XXXX  scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a victim of Identity theft there are numerous accounts on my credit reports that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Talked with XXXX from Capital One ( would not give last name or # ). Capital One had said they had informed customers via addendum notification in statement of 'billing cycle change ' from 28 day to 25 day. Because I had no charges during that month, I did not receive statement or accompanying 'billing cycle change ' notification. I asked for copy of that 'billing cycle change notification ' and was told they can not provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XXXX, 2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, Discover card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named XXXX and XXXX XXXX. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: AL

Complaint narrative:
In XXXX and XXXX of 2020, I disputed several collection items, XXXX  XXXX  Account # XXXX for {$75.00} and XXXX  XXXX- Account # XXXX for {$230.00}, with TransUnion and XXXX  . as of today, XXXX XXXX, 2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted Equifax because numerous accounts are missing from my file and I was told that my file was split. This keeps happening and they keep requesting the same identification every time this happens. It's ridiculous, my credit score and file has been affected because of this constant issue with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: AL

Complaint narrative:
Factor Trust is advertising a fax number that does NOT work! 

https : //www.factortrust.com/Consumer/ReportRequest.aspx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XXXX ( early ) - Reached out because the forbearance period was ending, wanted to reach a solution with my mortgage moving forward ( modification, another forbearance period, etc ). Was told that I was reaching out too early. 

XXXX ( before XXXX ) - Reached out again. Was essentially told that I should request an additional forbearance extension, which we agreed to do. Extension request was submitted. I was told I didn't need to do anything. 

XXXX XXXX early ) - I followed up about the forbearance extension. I hadn't heard anything or seen anything in my account to reflect it. The agent I spoke with this time was surprised that I wasn't told I had to fill out a mortgage assistance application. I then filled out an application and emailed it. 

XXXX ( early ) - I followed up a couple times and the application still wasn't being received, but I was told that maybe it was just a delay with being uploaded. Also, around this time, I noticed that negative credit reporting had occurred from Specialized Loan to the credit agencies ( I was assured this wouldn't happen, but it did XXXX. 

XX/XX/XXXX - I had to resubmit my application via email since my first email apparently never went through ( even though it was sent to the right address and was under the size limit ). 

XXXX ( mid ) - Followed up, application still not received. 

XXXX ( mid ) - Followed up, application still not received. 

XX/XX/XXXX - Followed up, application still not received. Issue being escalated to the mail room / department to try to locate my email. 

I mean, this is ridiculous. It shouldn't require this many hours and this much work to solve this sort of problem. It almost feels intentional because the more they can delay me, the more they can make off me with penalties.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in 1 week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
XX/XX/2020, Scam artist company called XXXX XXXX pretended to be our copier  vendor to sell toner. Without asking them to send any toner or supplies to our company, they sent it anyway. We still have the product in boxes, unused. XX/XX/2020, they send us a bill for around {$520.00}. The new assistant at our office paid this without questioning it. After a week when I caught that she had paid this company without having me authorize it, I had to call our legitimate copier company which they confirmed that we had paid a scam artist and the supplies our copier company has, would always be free of charge since we pay a yearly contract with them. Our legitimate copier company and they confirmed that whoever I spoke to at XXXX  XXXX  is not legitimate and a scam company. 
At this point, I had to get a refund from XXXX  XXXX  because we actually never ordered the product in the first place -- but also, because they are scam artists. I explained to XXXX  XXXX  that I would be willing to send them the supply of toner that they sent without confirming that we even wanted it sent to us. They said they emailed me the return label but I never received anything. Today ( XX/XX/2020 ), I received a letter stating that they sent Caine & Weiner, a collection company, to collect {$550.00} from us. I looked up CAINE & WEINER and many people have said this was a scam company as well. 
I am STILL willing to just send this package back to them as long as they pay for the shipping, which they said they would. Now I see that this is how they get their money.. they faked like they sent an email with a shipping label but they don't. Then they send collectors, CAINE & WEINER, out to get the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
I have called the company and confirmed my phone number is not attributed to any debt owed. I have requested my number be removed from their automatic dialing system, but I am still receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a Capital One credit card. I started making payments via a different checking account. Since doing so, they ALWAYS place a 7-day hold on my payments and will not modify my available credit for 7-days. They say its for my protection but I think its descriminatory. I have been making larger than normal payments and according to a XXXX search that gives them pause. In my case it has happened three months in a row. There have been no returned payments and there is over {$30000.00} in available funds from the account I'm paying from. Capital One keeps telling me they " randomly '' do this, but they are lying. They have been consistently doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: MD

Complaint narrative:
I made a purchase with XXXX an online flight booking system. 

They failed to provide the service as the flight was canceled on their end. Capital One sided with XXXX stating " The merchant info shows there was no error. '' The information I provided is publicly available so there is no way the merchant can show they provided the service I paid for. 

Below is the text I sent to Capital One as justification for the refund. 

-- -- -- -- - Reference number : XXXX As you may understand, standard airline policy disallows the customer to cancel a plane reservation for a refund. This is not the situation here. This situation is that the AIRLINE canceled the flight and failed to provide the service agreed upon via the transaction. Attached you will find the following 5 items : 1 - Your trip confirmation and receipt - this is from XXXX and outlines my itinerary and the reservation dates with flight numbers and dates of travel. The next 4 documents will show that the two flight trip to XXXX was never operated and the flight return from XX/XX/XXXX wasn't either. The final XXXX to Washington flight appears to have operated. 

( Also please reference their note of : " Please note : Your credit card may be billed in multiple charges totaling the final price. All prices are in USD. '' Which explains the {$100.00} discrepancy in the charge. ) Flights were : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX Flight Status_XX/XX/XXXX XXXX Washington XXXX to XXXX XXXX XXXX - XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Flight Status_ XXXX XXXX XXXX XXXX to Washington XXXX You may confirm the flight history yourself from any website with the public historic flight data yourself. I chose to use : XXXX : XXXX Please consider this as hard evidence that XXXX failed to provide the service that was paid for and that I should receive a full refund as I did not cancel my reservation. 

Thank you for taking the time to review this additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Step 1 : What is this complaint about? 
This complaint consists of my inability to get my property refinanced with Freedom Mortgage. I have had a mortgage with Freedom Mortgage for almost two years with an interest rate of 4.25. Recently I applied with them to refinance my home. For the last 3 months they have been giving me the run around. The latest thing they have told me is I don't qualify because of a item that shows from XXXXXXXX XXXX. XXXX has told me that this item was discharged 10 years ago. I am seeing my neighbors, who are white getting refinances and home loans who have bankruptcies and foreclosures on their credit report. This leads me to conclude I am being discriminated due to the color of my skin. ( I happen to be XXXX. ) Step 2 : What type of problem are you having? 

Read above Step 3 : What happened? 

Read above Step 4 : What company is this complaint about? 

Freedom mortgage Step 5 : Who are the people involved? 

Mortgages at Freedom Mortgage

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