vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am in the process of trying to purchase my first home. As many people know, it is quite the process. In this process, it was discovered that a dispute was incorrectly listed on my credit report because I never authorized any dispute whatsoever. In my attempt to contact Equifax to resolve this matter so that I could get a loan for my home, I have continued to be thrown through the ringer. I called back in XXXX to have the issue resolved and was informed that it was taken care of only to find on XX/XX/19 that was in fact, a lie. So, I called to resolve the matter and the first person I talked to wanted everything down to the exact amount of my loans in order for me to verify my identity. I understand trying to protect people, but there are other ways you can go about doing that without asking me to carry every document of financial information with me in order for me to answer my questions. After I didnt pass my verification because the process is absurd ... I was asked to send in a written request. So I did. I called back with my lender on XX/XX/19 to try and get this matter resolved faster, as he has all of my information that I need right in front of him and after going through two people and a supervisor that were unable to help me I was then told that i couldnt talk to a manager because he wasnt taking any calls. They wouldnt give me a name for them or anything ... to fix a problem that they should have already taken care of months ago. How is a consumer supposed to accurately adjust their credit report with a company that makes it impossible to do so? Im pretty sure im going to lose my deal on my very first home. Equifax should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX I had an automatic withdraw to pay rent at XXXX XXXX in Washington DC through my Capital One 360 account. I was sent an alert from Capital One on XX/XX/XXXX that my check for {$2300.00} was declined, a full day after the check was officially declined. This was after I had over {$3700.00} across savings and checking in my Capital One 360 account. They also take a longer time to clear checks than any other bank I have used in the past. 

I was contacted by the management company of the apartment that my check was canceled and that I would owe a {$100.00} fee for the declined check. Capital One has free balance transfers between checking and savings and a one day grace period for inssuficient account funds that I was expecting based on signing up for my account. What is not clear is that you are not automatically enrolled in free services like most other banks. 

There is also no way to enroll in these services through the app where Capital One pushes you to conduct most of the account business. They make it difficult to sign up for these services in a way where they almost don't want customers to have the benefits that they offer for free. 

I never received an email about signing up. Even the email that stated that I did not have sufficient funds, which is not true, did not mention the free services offered. Capital One makes it difficult to know about the free services so fees can openly be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I used XXXX XXXX for a Lot that I had with my friend in the Florida keys. We paid XXXX XXXX for 3 years and XXXX never installed anything but we never stopped paying. When we got ready to sell the lot we receive a bill of {$110.00} dollars. We placed our concern with XXXX but they did not waive the bill. Bill was paid XX/XX/2018 with confirmation number XXXX and XXXX XXXX was the representative that helped me. This is abusive action and my credit has been suffering because they placed an account in collection for {$110.00} dollars.

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 2019-06-15 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: GA

Complaint narrative:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over year. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new accounts reporting. Sure enough, 2 fraudulent accounts are now reporting on my credit file. Recently, I have submitted documents to Transunion in reference to a XXXX XXXX fraudulently opened and Tranunion deleted the account as it was fraudulent. However now, that same account with a different account number has started reporting. This is not my account and I am not sure how to keep this from occurring over and over again. The fraudulent account is XXXX XXXX # XXXX. There was also some type of XXXX account that was just added that is fraudulent as I have never had this account eitjer. The account number is # XXXX. I have submitted my ID Theft report, police report and identification to Transunion and the CEO of Transunion as well.

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 2019-06-15 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: UT

Complaint narrative:
In approximately XX/XX/XXXX, I received information from Equifax that an old account from XXXX XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my Equifax and XXXX credit reports. 
I attempted to file a dispute through XXXX XXXX with Equifax regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in XXXX minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the CEO as this is not my account.

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 2019-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, we entered into an agreement with our mortgage company, XX/XX/XXXX ( XXXX XXXX ) to begin a three-month forbearance on our mortgage due to Hurricane Irma ( XX/XX/XXXX ).  We signed a Mortgage modification agreement with XX/XX/XXXX that changed our mortgage payment from {$2500.00} to {$2700.00} and extended the maturity date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XX/XX/XXXX, XX/XX/XXXX sold our load to Shellpoint mortgage. Shellpoint immediately placed our account in loss mitigation and began charging late fees for what they disingenuously interpreted as three unpaid months. This was a clear violation of the modified mortgage dated XXXX XX/XX/XXXX ( MERs No : XXXX ) sold to Shellpoint. 
In XX/XX/XXXX, Shellpoint reported to the credit agencies we are over 180 past due and owed {$34000.00}. This is an injurious falsehood that may have been perpetrated to pressure us into signing a document against our best interests. 
As a XXXX XXXX XXXX  XXXX XXXX and my wife a XXXX   XXXX, an erroneous entry into our credit reports not only threatens our ability to acquire credit, but also our security clearances and therefore our livelihoods. Shellpoint appears to be attempting to bully us signing a new document to our detriment. When Shellpoint acquired our principle was approximately {$410000.00}. Shellpoint is now proposing a new modification a year later with a principle of {$420000.00}. Despite not missing or being late of a single payment, Shellpoint sees fit to charge us at a minimum an addition {$7000.00}. We consider this a very serious matter and a fundamental violation of consumer rights and protections

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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:
I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the XXXX as this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: FL

Complaint narrative:
There is a new report of a delinquent account on my credit report. I have never been late or delinquent. I contacted the creditor and verified that they made no such report, and I should contact the credit reporting companies. I contacted Equifax through their website to file a dispute and start an investigation. After putting in all the information, the website said it was temporarily unavailable and to call a number. I attach the message. I called the number and told me to it use the website - and endless bureaucratic loop. I did this three times over three separate days, each time with the same result. Same 20 mins wasted putting info in, same temporarily unavailable message at the finish, same use the website message. There appears to be no way to dispute a matter on my credit report and now way to speak with a person or file a report online with Equifax. This is my information, not theirs. They ought to at least follow the law and allow people to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Different information about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
wrong person this is not my debt wrong social security info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: KY

Complaint narrative:
In XX/XX/2019 I was pre-approved for a home loan with JG Wentworth. XX/XX/XXXX I contacted XXXX XXXX with JG Wentworth to inform him that an offer had been accepted in a home. I proceeded to provide him with all the necessary information. I paid {$550.00} for an appraisal and was told it would be credited back at closing. After I was told the file had been submitted to underwriting late XXXX, I received no follow up or return phone calls inquiring about my status. Finally I copied XXXX XXXX colleague, XXXX XXXX and received a response of " that loan was denied. ". I asked for more information and received no response or phone calls. I am working with a new lender and have requested a copy of my appraisal as promised a month ago. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX  app

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/2019I paid my XXXX XXXX  credit card balance in full. The money cleared my bank account on XX/XX/19- since that time XXXX has reflected that I have a {$0.00} balance on my card but has not restored my available credit to its correct limit. I have sent numerous messages to XXXX XXXX XXXX   who have informed me that yes the payment is showing but that they would like to do a conference call with my bank to confirm that It has cleared. This is absurd as I have no intentions of allowing a third party to discuss my banking information with my financial institution. Whereas the payment has cleared my bank, and my credit card balance is 0, they should immediately restore my credit to its capacity limit that was allotted to me upon opening the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: UT

Complaint narrative:
In approximately XX/XX/XXXX, I received information from XXXX that an old account from XXXX   XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my XXXX and Experian credit reports. 
I attempted to file a dispute through XXXX XXXX with XXXX regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in 5 minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.

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 2019-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
My concern is with Pennymac USA and the payment website. On XX/XX/XXXX, I logged onto the webportal to simply confirm the amount due. On XXXX, an unauthorized withdrawal of the payment amount was processed from my checking account by Pennymac USA. My intent was to make my payment on XXXX when my direct deposit came through ( still within my allowed payment period of through the XXXX ). I DID NOT initiate, process, request or confirm authorization of payment to be drawn feom my checking account. After explaining the concern to their contact center I was only refered to their online message center to submitt the occurrnce through there. So, I sent explination along with records reflecting the error and the insufficient funds assessed on my account for review. My bank covered my payment and knowing there would be available next day I requested Pennymac to reconcile via reimbursement of NSF fees equal to {$67.00}. After 3 days i recieved a very simple response " A One Time Draft was completed on XX/XX/2019, via the website in the amount of {$1200.00}. As a result we are unable to reimburse NSF 's fees as it was not a PennyMac error. " Right Pennymac! A one time draft was completed! That is the error! It WAS NOT AUTHORIZED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called equifax to complain about them putting incorrect information on my credit report that I am disputing all or most of the 8 accounts that I have I called them on the XXXX of XXXX and today on the XXXX of XXXX and was told that they corrected everything on the XXXX but I was lied to about that and then today same thing all I want is to have the information that they put down corrected I wish you can give me advice on how to sue them and take legal action against them I want them to fix everything on my report or I will do everything I can to sue them they have messed up most of my accounts and now I have to call all of them and tell them I am not disputing anything please get them to fix this mess that they created

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: SC

Complaint narrative:
I made telephone calls back and forth to XXXX regarding this dispute beginning XX/XX/XXXX, XX/XX/XXXX. I called because after looking at by bill I found I was being charged for services and for phones that were buy one get one free. I was also being charged for the free phone. During this conversation, I was also told I was leasing phones and they were to be returned at the end of the contract period. I told the representative I wasn't aware of leasing phones and asked to speak to a supervisor. When the supervisor came onto the phone I explained the same about not being aware of leasing phones. And, I would never lease a phone when phones could be purchased. The supervisor then said, I would not have to return the phones at the end of the contract period and they would be mines. He stated this information would be put into the system and to remind the representative when the time comes of his conversation. Back in XXXX I lost my job and could not continue to pay the bills and the service was disconnected. I called on XX/XX/XXXX and asked for a detailed bill of what was owed. This representative also stated I was leasing the phone and they had to be returned. I explained the conversation back in XX/XX/XXXX The representative said the amounts changed every month and he could not give me that information and suddenly the phone was disconnected after a long wait. I called back 2 additional times and the phone disconnected. On XX/XX/XXXX and XX/XX/XXXX a collection letter was sent to the company 's email address for everyone to see in the company that I owed XXXX money. However, one of the representative stated during the XX/XX/XXXX call, the phones had been disconnected and no additional charges could be added to the billing. As you can see from the attachments XXXX  is still charging me monthly. I don't think it is fair a large business should take advantage of the consumer because they can. And, send letters to a company 's email address for all to see. This company lets you know each conversation is being recorded and I am sure all was said was recorded and they should live up to that. In addition, I should be given an itemized bill as requested. I am also sure the the conversation with the supervisor about me owning the phones was annotated in the system because previous representatives verified the information. XXXX should honor what they say and stop taking advantage of their consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I cant remember exactly how much because this was last year. I remember needing to take out more loans because I didnt have any money after paying them back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Data Systems
State: NC

Complaint narrative:
On XX/XX/XXXX i was checking my credit report and found that I had a collections account on my XXXX   credit report for medical services from a company by the name of XXXX XXXX XXXX XXXX on the dates of XX/XX/XXXX for {$85.00} XXXX and XX/XX/XXXX for {$1000.00}. I have never sought medical treatment at this institution and would never seek such services outside my current care provider. I have never received a bill from this company or any other communications other than this debt being placed on my credit report. I have reported this incident to the local police department, but because i have never received a bill from the company, they could do nothing about it.

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