vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have sent several letter to the credit bureaus specifically asking them for name and contact information of account they say they have verified. Instead of the information i requested I receive updated credit reports stating the accounts we mine. 
After the first letter I sent regarding inquiries, I received a letter from euifax stating it is normal practice when car shopping for the auto dealership to submit my application to various dealerships. I still have yet to receive any coorespondence from any of the bureaus with the information i requested. I have received emails from XXXX and Equifax stating my dispute has been completed but no answer to my questions of contact information of the persons verifying my accounts as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Last XX/XX/2018, my Mortgage Co., Mr . Cooper, lost my check. I realized that my payment had not been put through my account by late XXXX. Since I had never been late on a Mortgage Payment, I called the company, Mr. Cooper, and spoke to someone at Mr. Cooper.A lady told me to give them a week to see if they had found the check..When the week was up and they had not processed the check, I called again ... She told me to do a check over the phone, which I did. The very next day, the original check showed up and Mr. Cooper put it through my account which caused my account to be overdrawn, I did a stop payment on the check but was charged {$35.00} for being overdrawn by my bank, and a {$30.00} fee for a stop payment of the check written in XX/XX/2018. So guess what, this XXXX Mr. Cooper lost my check again ... I again did an over the phone payment. ( My payment is due on the XXXX of the month ) Then last Friday, XX/XX/XXXX, the check for the XX/XX/XXXX was put through my account, again overdrawing my account. I had to borrow money to cover this check. Mr. Cooper wants to automatically withdraw funds from my bank ... I don't trust them. This year the lady should have put a note on the account in case the check showed up ... I guess they didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
I never knew that I owed anyone money, this just appeared on my credit report. I've called multiple times since & asked for information- they can't tell me anything about it, just that I owe money. I have no idea what it's for! Every time I've called they've been rude and can't understand why I won't just pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
My mortgage is currently 4 months past due. I have spoken with multiple representatives in order to explain my situation and my attempt to catch it up. 
On XX/XX/2019, I called in to U.S Bank home Mortgage in an attempt to begin resolving the situation and attempted to make a payment for a month which technically would have brought me down to 3 months. I also informed them that the next payment would be at the end of the day on the 14th which would have brought me behind to two months. 
The representative I spoke with at that time stated that they could not accept my payment. I requested an explanation and he replied that they needed 2 payments at one time in order to accept the payment. I again explained that i had one payment and would make the other on the 14th. The representative again declined to accept my payment but stated that I would likely have until the 14th to make both payments as my account had not been prepped for foreclosure and would not actually go into foreclosure until month 6. I am NOT in month 6 He reported that he would send me a mortgage assistance application to complete and that would stop any further proceedings. 
On XX/XX/2019, another representative called me and I attempted again to make a payment which would have brought me down to 3 months, she refused to accept the payment stating that I needed 2 payments at one time. I again explained I would not be able to do that until the 14th. She stated that it takes 48 to 72 hours to send an assistance application and to send it back on Monday. 
Today which is MondayXX/XX/XXXX, I called in to receive password because I received encrypted mortgage assistance application. The representative informed me of my passed due balance and further told me that they referred my house for foreclosure on today and that if I didn't have a total of 2 months payment today, I would lose my home. She further stated that there was no need for me to complete the mortgage assistance application because it would not due any good a this point and unless I pay the entire amount that's past due, I would lose my home. 
The issue is one, I was told different information by the representatives and more importantly, by the mortgage company REFUSING to accept my payment, it pushed me into the foreclosure process. 
Additionally, I was told by a representative a week or so prior, that I can call in a payment and then they would be able to work with me to bring the account current. 
Again, in order to bring my balance down, I need to be able to make a payment yet the mortgage company declined to accept my payment forcing to possibly lose my home.

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 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I entered into Payment Cure Plan with XXXX   XXXX card online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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:
I recently filed a Identity Theft Report with the Federal Trade Commission - Report # XXXX in regards to an XXXX XXXX Account ( {$1300.00} ), which I have pleaded is not my account. I have filed numerous disputes with Equifax since XXXX after finding this account on my credit report. I sent the Identity Theft Report via certified mail to Equifax which was delivered on XXXX. On XXXX I placed a call to get an update the account and was advised that the account was under review, yet again .... and I would get a letter with the results. I asked an account manager, XXXX how the account was being verified and she refused to provide any additional details and refused to provide me any information on my credit file. On XXXX I received a letter from Equifax who again advised the account was updated and found to be accurate. A fraud alert was placed on my account also placed on my account. 

Letters were also sent to XXXX and XXXX who immediately removed the fraudulent XXXX XXXX account and promptly sent updated credit reports to verify this information. 

My concern is, what verification process is Equifax using? They refuse to provide any additional information. They have multiple identification breaches with our identifying information and they refuse to tell you anything. How are XXXX  and XXXX able to remove this account and Equifax refuse with the same information obviously provided to them under the investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-06 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to XXXX and Equifax. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have disputed this numerous times certified to credit reporting agencies. I have also tried calling any numbers linked to account and it it like they have disappeared. States it is from California a payday loan. I love in Arizona. Have not had this account verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Re Capital One Credit card On XX/XX/XXXX I removed my ex wife as an authorized user on the account. I shut down her credit card, removed all her contact information including email address. On XX/XX/2019 I discovered that she still can access my account. I called Capital on XX/XX/2019 and the informed me that there was no way my ex wife could access my information. 

I found out this was not true. My wife forwarded me an email that she received from Capital one on XX/XX/2019 stating there was an alert on her credit report. This is through the CreditWise product that Capital one offers to its consumers. One thing to note is that my email was also changed with credit wise as well and hers should not be on the account. However credit wise continued to use and monitor her email address and capital continued to send her alerts. Inside the alert email was a link that logged her directly into my account and she had access to view and change things. 

Therefore I have huge privacy concerns that she could access my personal financial information when I took all steps necessary to ensure that she could not. Not only was capital one still emailing her but they also embedded links in the email that gave her direct access to my account. When I called they said I had done everything possible correctly and there was no way that she could be getting information which is 100 % False. Because CreditWidecontinued to monitor and communicate with email addresses that had been removed from the account I am sure I am not the only user that has had this problem I finally had to remove the Credit Wise product from my account and I think that fixed the issue but I am not sure because no one at Capital One could help I have attached an email that my wife received on XX/XX/XXXX to the XXXX email address that she should NEVER have got from Capital One according to the customer service team. In that email is the link that took her to the account. The link no longer works because I disabled that credit wise product

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CA

Complaint narrative:
XXXX COMPANY DID INQUIRE WITHOUT MY AUTHORIZATION. 
I DON'T RECOGNIZE THIS INQUIRE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
MAN CALLED MY JOB, FROM XXXX, IDENTIFIED HIMSELF AS XXXX XXXX (? ). ASKED FOR ME BY NAME, I ADVISED YES, I ASKED FOR A PHONE NUMBER, HE STATED HE DONT HAVE A CALL BACK NUMBER. I TOLD HIM NOT TO CALL ME AGAIN, HE ASKED " ARE YOU NOT ALLOWED CALLS AT WORK? '' I TOLD HIM AGAIN TO NOT CALL ME, HE SAID IF I CANT IDENTIFY MYSELF HE CANT NOTATE " NO CALLS '' AND HER TERMED THE CALL. WOULD NOT GIVE COMPANY NAME, JUST SAID XXXX XXXX (? ) ON A RECORDED LINE. 

FDCPA VIOLATION NO CALL WARNING SHOULD HAVE BEEN PLACED AS SOON AS I STATED NOT TO CALL. 
DID NOT IDENTIFY THE COMPANY WOULD NOT PROVIDE A CALL BACK NUMBER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and Experian are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this account needs to be coded as an M1. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We are closing on our home on Friday morning and just need the payoff information on my HELOC with Bank of America. I have called twice, buyer 's attorney has called and they are telling me it could be 7 days which is after closing, I would just like to request a 15 day payoff be faxed to the attorney 's attention at XXXX. 

This is crazy as I am trying to make full payment and their lack of response is not only causing me issues in potentially not closing on time but, also affecting our buyers having a home to live in come Friday. 


We just need the payoff information as soon as today if possible. 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 non-monetary relief
Consumer complaint received 2019-05-06 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: NY

Complaint narrative:
On XX/XX/2019, I disputed an inaccurate account on my Equifax credit report by sending Equifax in writing, proof that this account is not my account. I have called Equifax a total of three times and I have sent Equifax a total of five letters. I have never done business with the company that reported this inaccurate information. I have never had any communication, agreement, account, or contract with this company that has reported this inaccurate information. Equifax has stated that they would correct my credit file within 30 days based on the fact that I sent them proof and I am a victim of fraud with a freeze on my credit file. Equifax is in violation of the 1681n Fair Credit Reporting Act ( FCRA ). They are violating and recklessly failing to follow reasonable procedures to ensure accurate reporting. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As a result of Equifax allowing this erroneous information to remain on my credit report without SIGNED PROOF that it should be there for over 30 days, my credit score has plummeted HUNDREDS of points. The following information therefore needs to be deleted immediately. I have sent Equifax my final standing satisfaction for my property and have requested an immediate and expedited deletion of the entire XXXX XXXX XXXX XXXX account from credit report. Anything provided by XXXX XXXX XXXX XXXX is fraudulent and without standing. 

Please note : that XXXX and XXXX  both were given the same letter and proof and delinquently removed this account from my report within 3 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation