vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax currently has a freeze on my credit report. They claim that this was fixed, but as recently as today, XXXX bank has reported a freeze on my report and are unable to access my credit information. I have been trying to correct this for over a year with Equifax. They have asked for copies of my birth certificate, passport, driver 's license and a letter of explanation which was sent to them in XX/XX/XXXX and again XX/XX/XXXX. I called them today, and they claim there is no problem with my account. They refuse to escalate the problem to a manager. On several occasions they simply hang up the phone. I have been told to seek legal advice. Before I do that, I am writing to you, per my Bank 's recommendation, Please let me know if there is anything I can do in addition to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SC

Complaint narrative:
XX/XX/XXXX I purchased a XXXX refrigerator from Sears. It was not used until XX/XX/XXXX. At that time it was not cooling. I contacted Sears about repair or replacement. They sent a repair technician. XX/XX/XXXX, Sears technician said the brand, new refrigerator needs a compressor and rescheduled repair for XX/XX/XXXX. I called every Sears contact, including Sears Corporate Office and explained that I had an urgent need to provide tenants with refrigerator sooner that the 2-week time. I even begged to borrow a scratch & dent fridge! Sears consistently responded that they would not take the fridge back beyond 30 days. I requested that they remove the fridge from my property. 
XX/XX/XXXX Sears technician decided that the compressor was not the problem and he needed to order a timer and thermostat. XX/XX/XXXX, technician said all parts did not arrive and he must reorder the thermostat. More repair appointments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The repair scheduler was surprised that Sears did not replace the fridge. I kept calling Sears to replace the refrigerator. The CSR offered me {$50.00} discount. I declined and request that they remove it from my home. I paid other unrelated charges on my account and informed Sears that I will not be paying the balance of {$290.00} which I attributed to the partial cost of the fridge. I responded to Sears ' complaint form of XX/XX/XXXX, reciting these allegations. They decided that I am responsible for the balance-not because the fridge is useful, but because they were not contacted in a timely manner!! Citi informed me that they sold my account balance to Collections ; XXXX XXXX XXXX, XXXX. The fridge is still useless and is waiting in my home for Sears to remove it. I am particularly upset because I firmly believe Sears would not have dumped their defective product out on XXXX XXXX or in XXXX and compel those consumers to pay for and keep a refrigerator that they can not use. But people in inner city XXXX are easy, defenseless targets to exploit. This is highly offensive. 
4 documents attached. 
Thank you.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX  : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Equifax : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a message on XXXX from XXXX XXXX, XXXX Staffing ( P : XXXX / XXXX : XXXX ) about a part-time opportunity and if I had an interest to submit my application via the link that she provided which opened up to an application via XXXX XXXX and had a contact number of XXXX XXXX XXXX XXXX. I signed up after reviewing the XXXX XXXX opportunity and I sent her a reply letting her know and thanking her. On XX/XX/XXXX I received an acceptance response to my application from XXXX XXXX, Recuiting Dept|Mystery Shopping at XXXX ( XXXX ). I accepted the employment opportunity on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX notified me of my first survey assignment and said a check would be coming to me and provided instructions. I completed the survey assignment and sent in the feedback form and purchased the gifts cards from XXXX for what I believed would be for a XXXX XXXX XXXX project. I sent him proof of purchase of the gift cards as he requested. The next day after he informed me of my proper management of the assignment he send he a request to get a {$10.00} bank cashiers check that I should make payable to myself and send him a copy of the check. I found that strange and so I did some additional digging around to see if my suspicion was correct. I sent emails via XXXX XXXX to employees at XXXX XXXX and I went on XXXX XXXX website and submitted an inquiry. I received a reply message from XXXX XXXX, Senior Sales Consutant ( P : XXXX ) at XXXX XXXX letting me know that I had been defrauded. XXXX looped in XXXX XXXX, XXXX Lead at XXXX XXXX and she contacted me to let me know what has been going on and that the number of incidents have dramatically increased in the past month. The bank was closed for XXXX XXXX so I had to wait until the next morning to go into a branch. I alerted my bank, CapitalOne, first thing in the morning. The had not flagged the check. They locked my accounts and my mothers accounts because my name is on her accounts. I am doing everything I can do to move this investigation along and the bank is not being responsive. I have not even spoken to the investigator as yet The bank wants to hold me liable and end my banking relationship without having investigated and review all the documents I have provided, also attached. I don't have the means to shoulder this lost. My account clearly shows that. I had this account for almost 20 years. I have been to the police station 3 times at the various directions of the bank security agents that I have spoken with, I made calls to the company that is being used in this fraud, I have filed a case with the FTC and XXXX XXXX XXXX, I have reached out to XXXX XXXX and submitted a case so that they can start an investigation. I am doing everything I can. I need your help, please. I feel as though I am being victimized twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I got a phone call from some lady showing on caller ID as XXXX XXXX XXXX They had some basic info from Im assuming my credit report .. the lady went on to say I wouldnt be sued if I agreed to make a payment today of {$1000.00} The supposed debit never never occurred and I told the lady that .. she just kept threatening me. 

She wouldnt give me the name of the business she represented but provided me with a XXXX number Upon waiting on hold for 28 mins I got frustrated and hung up then called the XXXX XXXX XXXX it turns out it's a company called portfolio recovery associates Upon calling back and demanding they provide me with more information in the mail about this so called debt. I was placed on hold again .. this time to talk to the dispute department.. wel guess what another 20 mins on hold and I finally gave up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
attach information equifax has ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I purchased my house XX/XX/2018, I am in the process of suing the seller of my house for breach of contract, which has caused issues with paying my mortgage which was brought out by Flagstar Bank, I have been attempting to obtain mortgage assistance through Flagstar Bank since XXXX. I have submitted numerous documents but yet my case is closed due to no one contact me or even attempting to make contact with me through Flagstar Bank. They purposely do not reach out or send correspondence so that you are delayed and fall behind, I have left messages, emails, and even complained to the XXXX  because it is not right to offer a loan modification services and not able give the consumer to correct information or even process what is submitted. This company was sued 4 yrs ago for the same exact actions. I have spoken to XXXX, XXXX and even a " supervisor '' XXXX XXXX who was extremely nasty and unhelpful. I am still trying to figure out why I have to reach out numerous times to Flagstar to find out is needed because as stated my " case manager '' XXXX XXXX has made absolutely zero attempts to contact me or even mail me information regarding my mortgage assistance documents. I should not have inquire over 6 times to find out what is needed when I have a case manager and have asked numerous times to reach out me. I also asked XXXX XXXX to research why no one has outreached me or even made a phone call attempt and even though all of your calls are recorded I could get any information, nor was I given a reference number for the call or any other call made. I think this is the most unprofessional mortgagee company I have ever come across as if someone is being proactive all it takes is someone to actually do their job and make sure communication with the consumer is made. SO now I risk messed up credit and late payments due to the lack of respect this company has for its consumers.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
attach information XXXX  has ruined my life

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 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
Repeatedly left voicemails on a relatives phone number identifying as a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I contacted American Express ( AE ) before I registered to make sure I can get a credit limit high enough to handle my entire transfer. They said they can not tell until after the approval but if it was to low I would be able to contact them after the 30 days to get a credit increase.On XX/XX/XXXX I signed up for an AE card because it offered 0 % APR on balance transfers. I contacted AE and tried an online increase after the 30 days and it said I had to wait 60 days before I could do that. The balance transfer deal expires in 60 days. I would not have signed up for the card if I knew I would have to wait the full 60 days and miss the promotion of 0 % APR before I could get an increase of my credit limit if it was to low to start. 

I had the ability to transfer a small portion of my balance but that would do anything for me that is why I was checking and verifying with them through out the whole process to make sure I could do this and get the higher limit so I can transfer the entire amount. 

I feel like they used a bait and switch on me. I was told I could do something so I signed up and then by the time they would let me do it I missed the promotion and now stuck with a higher APR if I wanted to transfer. 

Another thing that is bothering me is they said I can not do a balance transfer until I get and authenticate the card, but they start the promotion count down from the day you were approved. They shipped my card on XX/XX/XXXX and I received it on XX/XX/XXXX. So that is 20 days I was not able to do the balance transfer missing out on 1/3 of the available time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/2018 Santander Consumer, reported a new amount owed of XXXX on a charge-off account. Also reported a missed payment. This car was a total loss XXXX XXXX and my Gap insurance paid Santander Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX TransUnion : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : Experian : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.

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 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I lost my job in XXXX and applied for a loan modification which was granted, I was to have the XXXX payment skipped and would start with a slightly larger monthly payment in XXXX. DiTech took the XXXX payment out of my account causing XXXX $ in overdraft fees. I attempted 6 times to rectify this issue without results. My husband also attempted several times to resolve this issue. XXXX payment was taken from the wrong account causing another XXXX $ fee. I spent over 2 & 1/2 hours on the phone trying to clear this up. Our account stayed overdrawn for several weeks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had judgement in XXXX against me with Discover Card. The collection agency XXXX XXXX XXXX is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX balance from a notice from XXXX XXXX   XXXX. I called XXXX to asked them why couldn't I receive a notice that XXXX was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hello, In XXXX of 2018, my husband XXXX XXXX received a dunning letter from a law group of Hayt, Hayt & Landau. The letter was dated XX/XX/2018 and was delivered by regular postal service delivery. In the letter they make a threatening statement that if a letter is written to their office to dispute the validity of the debt within 30 days that they will file a judgement against my husband. However, my husband, XXXX XXXX sent within the allotted 30 days, a request for validation. This request for validation was sent via UPS with tracking and was received by the law group within the 30 day period of time. 

More time has passed and now the law group has file a case in civil courts. They have violated regulations of the FDCPA, while stating that the are debt collectors as well. 

Please accept this as a formal complaint against the law group. They have violated the right to validation by not responding back to my husbands request, they threatened to sue if a request for validation was sent to them in writing, as well as now filed a lawsuit against my husband. Please see the attached notices that help to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I recently paid off my Mortgage Account with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My Account Number XXXX. 

I received a refund back from Specialized Loan Servicing for the amount of {$2300.00} regarding Escrow Account. The check was made to XXXX XXXX XXXX and XXXX XXXX. 

My husband and I recently divorced on XX/XX/2018. XXXX XXXX XXXX moved out of state to Washington and I mailed him the check to sign over to me since I made all payments on the loan and the house is legally in my name only. I took the endorsed check to my bank XXXX XXXX and they had told me that they could not accept the check without XXXX XXXX XXXX being present. I explained to the bank the reason he signed it was that he was out of state. They stated because the check was made out to XXXX XXXX XXXX " and '' XXXX XXXX that both parties needed to be present and to ask the issuing bank to make the check out to XXXX XXXX XXXX, XXXX XXXX and they would be able to cash the check. 

I contacted SLS on XX/XX/2018 via email per their request it needed to be done in writing ( see attachment ). I called and spoke to Floor Supervisor XXXX on XX/XX/2018 who stated he would place the request to the Refund/Credit department and to call back on XX/XX/2018. I called back XX/XX/2018 and was told XXXX was out of the office. I called back on XX/XX/2018 and was told XXXX was busy on the floor and would call me back. I called back on XX/XX/2018 XXXX said that XXXX was on a phone call and I stated that I would hold after 10 mins XXXX came back on the phone and said XXXX was training and would call me back at the end of business day. I never received a call. I'm holding onto a check {$2300.00} that will no longer be valid. 

I'm requesting a new check to be issued by SLS for the amount of {$2300.00} made payable to XXXX XXXX XXXX, XXXX XXXX ( without the " and '' ) so I can present it to my bank to be deposited into my account. 

Please assist me with my request. 

Thank you in advance for your prompt attention to this matter. 

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 explanation