vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX - took out home equity loan to pay off credit cards. We did this because my wife lost her job in pandemic and we wanted to pay lower interest for the foreseeable future. 

XXXX - XX/XX/XXXX - checks sent out by credit union to credit card companies, including Capital One. The amount for Capital One was {$5200.00} which was the statement balance as of XX/XX/XXXX. The official credit card statement and check was sent from my credit union directly to Capital One. This statement is the same one we would send our payment in with monthly. 

XX/XX/XXXX - My credit Union called me to say that the check was returned to my credit union because Capital One said they needed the entire 16 digit number of the credit card. I am not sure why all of a sudden this was needed since it was never needed any other time, they had their own billing statement with all information, and no other credit card company requested this. 

XX/XX/XXXX - new check was sent to Capital One from my credit union with 16 digit number XXXX - we made 3 minimal charges on card due to my debit card having fraud. total charges were {$140.00} XXXX - we made {$48.00} payment XX/XX/XXXX - we made another payment for {$100.00}. these 2 payments for {$150.00} covered the {$140.00} worth of transactions XX/XX/XXXX - contacted Capital One and I was told they never received new check. I called my credit union who had verification when the check was sent and they had no idea why the card company did not get it. They reissued another check immediately while stopping the second check. 

XX/XX/XXXX - we were charged {$100.00} interest XX/XX/XXXX - " missing '' check from XX/XX/XXXX was credited to our account XX/XX/XXXX - third check was credited to our account XX/XX/XXXX - " missing check '' was returned to credit union XX/XX/XXXX - we made final payment of {$140.00} to bring account to XXXX We paid about {$150.00} in interest fees when we made every attempt to pay off the account before interest was charged. Several calls to the Capital One proved worthless. Even though it is nowhere in writing or anywhere in their explanations, they all of a sudden said that they wanted the full 16 digit account number to allow payoff. Every other payment can be accepted with the last 4 digits and the statement. They had payment in plenty of time to avoid interest charges but refused it. It might not be much money but without my wife 's income, this money is a big loss. I spoke and explained every thing to them but they refused to budge on any of this. This credit card was 0 % interest until the month we paid it off. This was the first interest we had to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 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: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Please See Exhibit 1 Attached ( Also Supporting Exhibits A-F Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: IA

Complaint narrative:
I received a bill from CMRE Financial Services , Inc. stating I owed {$95.00} for services provided by a radiology company. There was no date of service on the bill so I could not verify it was charged to me appropriately. I had received radiology services on a couple occasions and one was my responsibility and one was not. I sent in a protest to the bill and asked for sufficient detail to determine if the charge was fraudulent. My suspicion was that they were withholding information in the hope that I would just pay the amount simply because it came from a collection agency. In their response to my letter they provided the service date which confirmed it was not my obligation. 

I called CMRE to verify that they did withhold this information in their first communication. Before answering the phone they indicated the call was being recorded. My first question to the representative was if I could get a copy of the phone call recording. He indicated he did not know and did not attempt to find an answer. He hung up on me rather than answer my question definitively. I called back and asked for a supervisor. I explained to the person answering the phone ( XXXX ) that I was upset that the initial contact did not include the date of service, but I wanted to give CMRE a chance to explain why they withheld this information, or point out to me if the information was in fact included and I simply missed it. I reached a supervisor and explained this request. Before answering my question he requested some personal information, even though they identified me via phone number and I confirmed it was correct. Before providing the information, I asked the supervisor if, after providing the information, he would be able to answer my question. He would not respond to this query. The call ended. 

I then called the CMRE compliance hotline on their website. A person answered without identifying themselves. It was a simple " hello '' as if I had reached a personal phone line. I called back and was sent to voice mail and the person answering did not identify their association with the hotline. 

This brings me to your board. I'm concerned CMRE is sending out incomplete information in hopes of bluffing people into paying bills. I think you should require CMRE to include all information necessary for their targets to determine if their bills are accurate. I will contact the radiology company directly and inform them that the bill they gave to CMRE was not my responsibility. I also inform them of CMRE 's deceptive billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My prepaid card account was suspended on Sunday XX/XX/2020 after making an online purchase at XXXX XXXX  XXXX I was not notified. I tried to use the card again about a half hour later to make an online purchase at XXXX and my card was declined. I tried to log into my account and I kept getting an error message. I tried again on Monday but still could not log on. I was sent a balance statement that gave my balance but did not say anything about my account being frozen. On Tuesday the XXXX I tried calling, but found out there was a long wait and couldnt stay on hold that long. On wednesday, I called again. After being on hold for 2 hours, I was finally connected to someone who told me my account was suspended but they could not tell me why. She said I should be contacted within 1-2 business days and to call back if I didnt hear anything. I called back today and waited on hold for over 3 hours. I was told the same thing I was told on Wednesday. When I told her Id waited 2 days already, she said I would have to write a letter. I asked, then demanded she put me in contact by phone, or give me a phone number. She refused, but did eventually connect me with her supervisor. He told me my account was suspended because a purchase I made went against their conditions for use. But he would not tell me what that purchase was. Since I had just gotten that card a week before, and only used it for the books, XXXX groceries and XXXX XXXX, I knew I had not made an illicit purchase. He said they had no way of contacting anyone who could help me but kept telling me to write a letter. I am filing this complaint because theyve kept my money without tellling me that they did it, or why they did it and without giving me a chance to dispute their decision. This has put me under stress and financial hardship as the {$140.00} I had in my account was all the money I have. Also my social security widows  benefits was set up for direct deposit into this account and the deposit was rejected. I now have to wait longer to get that money and take get something else set up and will have to borrow money to get things I need till then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
According to XXXX, I owe {$78.00} to Centralized Business Solutions. This payment was confirmed ( both by my attorney and the Collector ) that that account was flagged under my Chapter XXXX. 

The account still shows as open and derogatory on my XXXX credit report. According to the collector, I must report this to have it corrected on my credit report. 

Please evaluate and correct this. Below is information that will aid in your investigation : My Name : XXXX XXXX XXXX My Contact Number : XXXX My Attorney Name : XXXX XXXX My Attorney Phone Number : XXXX Collector : Centralized Business ( on behalf of XXXX XXXX ) Collector Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX Collector phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On the evening of XX/XX/2020 into the morning of XX/XX/2020, I was robbed of my cell phone and debit card in XXXX XXXX, LA ( I was presumably drugged as I don't remember much ). The thieves used my phone to access my PayPal account by changing my login password using my phone as the means of verification. They subsequently sent fraudulent payments to a " XXXX XXXX. '' I disputed all transactions ; however, the automated PayPal service to review fraud identified no wrongdoing. 

I reached out on multiple occasions to explain the situation. Finally, on XX/XX/2020, I was asked by PayPal to provide a police report. I did so, to which PayPal told me it didn't matter that I had a police report. As a result, I have a negative balance in the account of {$800.00}. As this was fraud, I don't believe I should have to pay this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I reached out to Berlin-Wheeler many times about a XXXX account I had with them and paid it off on XX/XX/2019 and they refuse to remove it from my credit.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All the bankruptcies that I filed they were prose [ pro se ] the bankruptcies were not gone all the way through and its really affecting my credit and my credit score, please I '' m asking to remove all the bankruptcies on my report. 
Bankruptcy reference # XXXX Bankruptcy reference # XXXX Bankruptcy reference # XXXX and Bankruptcy reference # XXXX, thank you. 
I can receive email when the situation has been resolved, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-01 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: CA

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Per Letter ( attached ) dated XX/XX/20, credit was updated as of XXXX XXXX regarding no deliquencies. My credit has not changed otherwise and my score is down significantly since this happened. I am being reported 60 days late to the credit bureaus still for the month of XXXX, which is after the servicing period and reported after you XXXX letter ( assuming it was reported in XXXX XXXX. Per my most recent credit report, instead of reporting pays_as_agreed, XXXX  is reporting : Account Status NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE XXXX  is reporting me current in XXXX, and 60 Days late in XXXX, which would have been reported after the XX/XX/XXXX letter. XXXX  is reporting & gt ; Account 60 Days Past Due Date & lt ; I don't have access to XXXX, but expect that their information is erroneous as are the others. Transunion credit timed out while I was writing this and unfortunately don't have the report, but the language above was copied from their site and I have printed and marked the other 2 reports.

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo mortgage Transferred my loan with out my knowledge, after having my loan for 13 years. With the mortgage I had a free bank account. that I'm loosing because of the transfer. Now before hand, I was one of the MERS. ( Mortgage Electronic Registration System ) Account holders. That lead into a mess of Fraud taking  place with mortgage paperwork. Anything that has fraud in any legal doc, should be obsolete. My lawyer looked into this matter and told me that they're are other matters of fruad going on with my mortgage that Wells Fargo implemented to me. Even though they forced me to get 3 months behind in 2014 to get a modification, they told me that's the only way to bring down my payments & rate. I realize most importantly for me to resign the new paperwork to make it legit, because they got caught. This was years later from the original signing. The first package they send me was the resign modification docs. I have every Doc from the beginning, also recordings of our conversation on Voice Memos. Ive been getting the run around for almost two months now. XXXX XXXX letters with one page in them telling me the same thing. 

We want to make every effort to fully address all of your concerns and provide you with a thorough response. Seems like they just have a following up schedule to say they spoke or send a letter.

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 2020-05-01 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: AL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/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 2020-05-01 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 am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2020, I contacted PHH Mortgage to ask why the check I had mailed in on XX/XX/2020 had not been cashed yet. A payment of {$520.00} was mailed in along with remaining assumption documents. PHH had mailed out a letter dated XX/XX/2020 requesting four ( 4 ) documents : signed and notarized assumption agreements recorded quit claim deed copy homeowner 's insurance 2 recent paystubs As well as a check for the remaining balance of {$520.00}. 
Documents were returned in the pre-paid envelope on XX/XX/2020. On XX/XX/2020 I was notified that the assumption had been approved. Subsequent phone calls confirmed I was the only account holder yet my most recent statement showed the balance for the loan assumption. I immediately called PHH and asked why the payment had not been processed. I gave the check number ; they verified that it had not been cashed yet and stated they would be starting an investigation of where the check was. I was advised to wait a week before calling back. 
I called today and was told that I needed to send a picture of the check. I again had to explain that I did not have the check, nor had it been cashed ... I was looking into where the check was, as the paperwork that accompanied the check had been processed, which meant the check had also been received. I asked why I was not notified of their request ( for a copy that I don't have ). I again asked for an investigation of where this check was, as it was with the paperwork that had already been approved. 
PHH has consistently shown me that they do not follow through with communication. When first applying for an assumption, I called for an unrelated issue six weeks later and was informed that they were requesting additional documents ... the note had been in their system five weeks prior and I was never notified, it was confirmed that a letter had never been sent to me, although this is standard procedure. It was not until I was referred to an escalation specialist that any investigation was done into my application.

I have again been referred to an escalation specialist because no one can tell me where the check is.

Company response to consumer: Closed with explanation