vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
At the beginning of XXXX I received notification from XXXX XXXX  ( XXXX XXXX ) at ( XXXX XXXX  XXXX, XXXX XXXX, XXXX, ga XXXX ) that my mortgage was decreased by approximately XXXX/month. Was told that there were some reductions and that was my new payment. By the time XXXX came in, I was hit with a escrow shortage of about 1100.00 which I immediately contacted XXXX to receive a reason. I was told that they made a mistake and didn't include my taxes in their yearly analysis for that year, which gave them a lower payment. There was also an incident where they withdrew my monthly payment TWICE at the same time and send an email saying they would correct the error. I believe this is when the problems started. They told me they were sorry and it was nothing they could do, I had to pay a years worth of this money back equalling about 1100 so my mortgage payment would not go up. I was already putting extra toward my principal so this just cancelled out my attempt to get ahead. Immediately after this mistake my account was transferred to XXXX XXXX   where the same issue came up again based on a domino effect from XXXX and their faulty analysis of my escrow account. I am now short XXXX in escrow and there has been no major changes in my taxes or home insurance to constitute this much of a shortage. I am not making the money that I used to and can't afford to keep paying for these kind of mistakes. I am in need of assistance, my servicing is being mishandled and I dont know what to do about this. Last person spoken with was XXXX XXXX at XXXX XXXX/XXXX. I have email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 — Investigation took more than 30 days
Company: ACS Education Services
State: IL

Complaint narrative:
In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from Conduent. When I tried to call Conduent back, the number is disconnected and they have moved my loan to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I found out today that Capital One Investing ( which was " XXXX '' ) closed my account that I had XXXX and XXXX stock in. I received an email that had a subject line of " Your statement is now available '' -- that was the way that the statements have by sent for many years. When I went to see how the stocks were doing, the email I referred to said that my account had been closed! I called Capital One, and after a long hold, the customer service rep said they had no record of my account and to try XXXX, When I called XXXX, they told me my account had escheated to the state of Ohio. I have no access to any of my statements now. I filed with the Ohio Secretary of State 's office of Unclaimed funds, but I have no idea how my investment lost so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX  XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX  XXXX XXXX, US DEPT ED and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: CA

Complaint narrative:
To Whom It May Concern, Capital one advertises full fraud detection for charges not authorized by the card holder. Yet, after reporting multiple fraudulent chargers not authorized by me ( the card holder ) Capital One refuses to uphold their agreement issued in the card member agreement. 
Starting XX/XX/XXXX fraudulent charges were made up until XX/XX/XXXX. When we reported fraud the first and second time the representative did nothing about it except make a note that we are reporting fraud. They did not change the card number or lock the account. Therefore, fraud continued to be charged until the next day when I noticed more fraudulent charges. When I called the 3rd time and got ahold of a manager he resolved the issue and stated " we made a mistake on our behalf and did not cancel the card, that is why fraud continued to happen ''. I thought it was resolved after this conversation but on XX/XX/XXXX of 2019 Capital One put these charges totaling {$700.00} back onto my account. I immediately called Capital One to figure out why these were put back onto my card. They stated that they could not detect these charges as fraud and that I am responsible to pay for these charges that I did not make. I do not ever use this card and it is likely that my card information was stolen in the cyber hack they experienced in 2019. Knowing this they are still unwilling to help and uphold their agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX and XXXX of 2019, there was an error in the XXXX XXXX computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
We have received several delinquent notices from XXXX County Taxes. This was supposed to be paid out of our Escrow account. We can not make our mortgage payment because of these tax bills and unable to make mortgage payment because of a decrease in employment, Health care premiums and costs. I would like Guild to pay the XXXX County Taxes and I would like a modification on our home as outlines in FHA insurance rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and 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 2019-11-08 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: GA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and 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 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Dear reviewer, When I was going to borrow a house to buy a house, my agent told me that I had a debt collection from the ( waypoint resource group ). I immediately inquired about the specific process of this matter. First, I contacted in the first time. Waypoint, paid the fees and learned why I have a debt, the thing is like this, waypoint told me that XXXX XXXX charged me a network fee, but I did not pay, specifically because I moved to a new house to close The XXXX network service was in XX/XX/2018, but they charged me the network fee for XXXX, so I confute the fee to the credit card company and provide proof, because I paid with the credit card Automatic. Within 30 days, the credit card company refunded the comcast to charge me for the fee of XX/XX/2018. All this is because XXXX is not willing to admit that they charge me more than one month, and I didnt know the comcast when I moved to the new home in XXXX. Directly pushed me to the debt collection company, which made me unable to deal with this matter in time, I have never defaulted on any Yes, my credit history has always been good. I wont ruin my credit for XXXX XXXXAt present, I can only pay off the so-called debt. Please check my credit history. I have always been on time. The person who pays, I don't want your company to not believe my credit because of this, let me pay more interest, thank you for your patience to read this email!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Funding LLC is negatively reporting to the three major credit bureaus collection information about me. Midland Funding LLC was sent a Notarized Cease & Desist from me that they are not my original creditor and that I do not wish to work with them. I had  also sent them a validation of debt letter which was ignored. I want the negative reporting they are reporting to XXXX, XXXX, and XXXX  removed as they are damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US BKPT CT NJ XXXX Liability : {$0.00} Exempt Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Alleged account has been disputed many times over, numerous demand for verification ignored, refuse to comply with federal laws, unlawfully report disputed unverified alleged account to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Denied employment because of inaccurate background check records

Company response to consumer: Closed with explanation