vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX   XXXX   XXXX , willfully violated Chapter (  XXXX  ) The failure to disclose in the initial written communication with the consumer  XXXX   XXXX   XXXX , violated chapter (  XXXX  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ).  XXXX   XXXX   XXXX , willfully violated  Chapter (   XXXX   ) T he failure to disclose in the initial written communication with the consumer.      XXXX   XXXX   XXXX , willfully violat ed Chapter (  XXXX  ) The fa ilure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.     I sen t Capital One  a dispute letter dated  XXXX   XXXX ,  XXXX  attached an d Capital One  failed to respond. But   XXXX   XXXX   XXXX   sent me a letter dated  XXXX   XXXX ,  XXXX  where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me.     They are civil for damages for their viola tion 813. Civil  liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal a ct and they willfully violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: CO

Complaint narrative:
We disputed the date of first delinquency reporting on a credit account. The first delinquency was over 7 years ago. A few small payments were made for less than the minimum due, and several automatic payments were returned, therefore, the account was never brought current after the first delinquency. We submitted documents from the credit reporting agency and from the creditor regarding payments and documents showing the account was never brought current. The credit reporting agency stated that even though they had the documentation and that those documents proved the date of first delinquency was not reporting correctly, that they would not remove if the creditor stated the account should be reporting. I asked  2 su pervisors at Equifax about reinvestigating under FC RA Section 611, and Equifax stated they could not reinvestigate based on any documents the consumer provided, only by what the creditor reported. This seems like a violation of the FCRA 611, and I   do not think Equifax is following this regulation correctly, because what I submitted were documents from Equifax and the creditor as my documentation for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom  It May  Concern   XXXX    XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) lis ted below are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  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   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I req uest that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I  request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in q uestion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required b y 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the  above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   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   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / 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 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Thank you for taking the time to read this. Since   XXXX   I have had a Best Buy credit   XXXX   that was backed by Citibank to make a few large purchases that I did not have the cash to spend on at the time. I realized last month that I was being charged for a debt protection program. I called to inquire about it and they told me that I signed up for it when I opened the credit card. I definitely DID NOT authorize these charges. Over the course of the years I was charged over {$700.00}! I canceled the program and asked fora complete refund as I did not authorize these charges. I was sent a letter stating that I was not owed a refund and told that the only way to communicate with that department was through mail. There are no phone numbers. Be aware!

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 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
This company, called Credit Collection Service s of  XXXX , MA is a debt collection company that continues to attempt collecting on debts I do not owe. It appears they are assigning me debts when they can not find the correct person, as they range from ambulance   rides ( paid   years ago by the insurance company ) and auto insurance that I either did n't have or prepaid in full for the term.     I called to ascertain the number of accounts in my name and for what they are for, including details, and I was denied any information. This is further evidence that the debts are not valid as they declined to give any information or details to me, the person they are attempting to collect from.     Please assist with this matter as I have made no headway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
improper use of credit. inquiries were pulled without my authorization

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 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
improper use of credit. inquiries were pulled without my authorization

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 2017-05-08 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: OH

Complaint narrative:
There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: OH

Complaint narrative:
There is a fraudulent charge of {$3100.00} from  XXXX   XXXX  on my credit reports. The account was opened  on  X/2015    a nd close d  X/2015   .    I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to al l 3  credit a  gencies.
I am a   XXXX   XXXX   who was subject to the  XXXX  i  nformation theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In  XXXX   XXXX , we began the short sale process an behalf of our clients,  XXXX  and  XXXX   XXXX . At the end of  XXXX , we were advised that while the  2nd l ien remained with  XXXX , the first lien had been transferred to  SPS fo r servicing. The short sale package was then duplicated  to SPS  on  XXXX   XXXX ,  XXXX . Since then , SPS  has done nothing but drag its feet in the processing of the short sale application, nit-picking documents claiming certain information was missing when it was indeed on the documents and then claiming not to have certain documents which we would then walk them through the package by page # to prove that the document was indeed in their possession. Since then, we have been told that we had a complete package and decisioning would take place within 21 days  (  from  XXXX   XXXX ,  XXXX  ) only to be told on  XXXX   XXXX  they might want a change in the amount to the  2nd l ien. When following up on  XXXX   XXXX , we were then told to significantly reduce the amount to the  2nd  lien whereas we already had approval from that lien holder for the short sale. We then revised and submitted updated HUD to the first and went back to th e 2nd fo r reapproval. We obtained new approval letter from the  2nd and submitted th at, along with the further revised HUD  to SPS. Due to SPS drag ging out the process, I requested that title audit the approval from  the 2nd  and had to make a minor change to the HUD. I have advised SPS that the buyer is getting an xious and that the buyer 's agent is going in for  XXXX  on the  XXXX  of this month and her ability to perform inspections with her client will be very limited. There is no reason for the process to have taken ov er six mont hs time and still not have a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have an FHA loan with  US Bank Home  Mortgage that was opened  XXXX   XXXX ,   XXXX  . I was told after 5 years/20 % I would no longer have to  pay PMI. I periodically inquired to determine if I had reached that mark. I received a letter from US Bank well over a year ago stating I still had to pay this. I inquired again about a week and a half ago about whether I had reached the mark to not have to pay PMI anymore. I was told I would receive a letter. I received a letter today that stated my loan met requirements under HUD for termination of PHI. I then called US Bank to determine the exact date these requirements were met.   XXXX   told me that I should have stopped with the PMI payments two years ago. I was never informed. I am requesting that I be refund ed any money that I paid toward PMI from the point I met the criteria.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I 'm having trouble making my payments for the fact that I 'm the only working to provide for my family because my wife lost her job. I applied for a loan modification as soon as I started struggling with my payments because of our loss of income. In less than  3 weeks  I was denied because according to  Ocwen Loan Servicing I  was not behind enough in order for them to help me lower my payment so I avoid foreclosure. I really believe that this is absurd and unfair that they tell me this and that is the reason why they ca n't provide me help. What they are saying is that I have fall way more behind on my payments so that they even give me a chance to save my home. This is why I 'm reaching out that to notify they are wrongfully reviewing my situation and not giving me and my family to try to find some type of solution to help me out. They told me about a repayment plan but that was only going to bring my payment higher no help at all since I was already struggling with my payment before. Please help I really need to save my home for the sake of my family. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank

Company response to consumer: Closed with monetary relief