vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 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 — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Hello, I was divorced by my ex-wife in XX/XX/2010 in which she was awarded the property and all financial responsibility concerning the property through mediation in which XXXX and my self agreed by. I call the lender HSBC to ask them to remove my-self off the loan and they decline. I am asking for you assistance to removed that loan off my credit report. I have supporting documentation to support why that loan should be removed from my credit report. 

Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one/walmart card calls as early as XXXX XXXX  and as late as XXXX XXXX  ; sometimes leaves a message, other times does not, calls multiple times per day. They are calling even if I am 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 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: TX

Complaint narrative:
Equifax is refusing to validate and delete inaccurate information from I credit report. I have provide the necessary information to verify the debt through them and the creditor. There should be consequences for this type of negligence. I am attaching the print out that I got directly from their credit report showing the inaccuracies..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I have an old debt on my credit report from XXXX XXXX XXXX. I have switched phone numbers multiple times since the original debt back in 2015. This company, Credence Resource Management is always finding my new number, I'm assuming by running my credit report WHICH IS ILLEGAL. 

They are also calling from XXXX numbers, what appear to be from local numbers when they are not local. I believe this is illegal to " spoof '' numbers when they are sitting in other locations. They never leave messages then when I return the call, it's this company and they are always of XXXX decent. I have no idea if these people are scams or what the problem is but it's disturbing how they are gaining access to my new cell phone numbers when I have had NO contact with them in many years. 

As stated, they are also calling from what appears to be local numbers and spoofing their number in an illegal attempt to make me answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The website is in perpetually not working. I cant get any info on my mortgage loan. 
I cant even provide my account number for this complaint because I cant access my information. 
I have had this problem repeatedly, over and over, and it is pervasive. When I call, they say the site is being worked on. This is UNACCEPTABLE.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we were approved for a 3 month short term repayment plan due to the Emergency declaration of Hurricane Dorian coming up to the Florida coast from late XX/XX/XXXX until early XX/XX/XXXX. We left messages for our representative, XXXX XXXX, but were not able to speak with him. We spoke with another representative and told her that a 3 month repayment plan was difficult for us at the time due to having to evacuate and close our business until the hurricane went out to sea. They also wanted the first payment in less than 3 days. She advised us to fill out application of hardship to apply for a 6 month repayment plan. We filled out the application for hardship and sent it in via email and USPS mail to Fay Servicing. On XX/XX/XXXX, Fay Servicing sent us a letter which denied our request for a 6 month repayment plan stating that our income did not qualify us for a repayment plan, however we were qualified for a 3 month payment plan in XXXX which cost even more than a 6 month repayment plan. We were requesting a lower payment plan to spread it out over the 6 month period. We emailed and sent a copy via USPS Priority Express mail on XX/XX/XXXX of an appeal of their decision and the hardship application with changed circumstances. Fay Servicing received the appeal with the hardship application on XX/XX/XXXX, which was within the time period of our right to appeal within 14 days and we left messages again to speak with our representative. We have not received any information from Fay Servicing since by either mail, email, or phone call. We have not received any letter or have had phone calls returned about our appeal for a repayment plan for 6 months instead of 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account despite having access to my checking account for autopay. They claimed that they attempted to request payment but, they said, my checking account was closed. My checking account was never closed and my credit union said they have no record of a request for payment from Citi Bank. 

There was some confusion about my account number which I addressed directly with Citi Bank multiple times in an attempt to fix the problem. However, on several occasions Citi Bank was able to access my account with an accurate account number from their records. I will attach a chronological account of what transpired in this dispute.

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 2020-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
There was a past due balance of {$94.00} that was paid by my bank caused me to over draft on my XXXX  XXXX XXXX account, I contacted them by email since they dont have a customer service line u can talk to someone. They sent me money bank of {$35.00} for the over draft so my bank still paid that {$94.00}. They are saying its not paid but I had sent them my bank statement of the {$92.00}. And some cents that was paid. They still wont help me solve the issue. Its ridiculous that you cant speak to a live person. I need this cleared from my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays card. I have a high limit and charge a lot for work. I pay the bill in full by the end of each cycle. called to make payment on XX/XX/XXXX for {$24000.00}, called again same day and made payment for {$25000.00}, and for {$6100.00}. XX/XX/XXXX called and made a payment for {$4700.00} called XX/XX/XXXX XXXX XXXX  to see if my line of credit is opened, spoke to a supervisor. I was informed that I would have available credit on XX/XX/XXXX - I went nuts. The money left my account on XX/XX/XXXX. I have had a card with them for many years, charge in excess of {$100000.00} per month, I do not carry a balance & do not bounce checks. They had me do a conference call with my bank to confirm that they money really did leave my account. 

I have other cards, but this card has the best perks. They are the worst to do business with. We have another issue as well. I made a payment that was delivered to them on XX/XX/XXXX. they claim it arrived on XXXX - I have a signed slip and they will not delete interest charges. Cost me {$1200.00}. I am going thru Mass Consumer Assistance. If they do this to me, what are they doing to people who can not defend themselves. I think their business plan is to delay receipt of payments to increase fee income.

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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint if for the Home Equity Line of Credit -- on XX/XX/XXXX my home was illegally foreclosed on and the second alleged account with XXXX is now closed -- but I am getting a very bad credit score as well as XXXX trying to collect on this Equity line of Credit. There should be no more collection statements and from what I am told this is called dual tracking. I am in Appeals court with the first predator account and was told my home was sold on the above date. I do not know what XXXX  or XXXX XXXX XXXX XXXX  XXXX is doing, ( nor do they ) only that I am receiving the attached notices showing the Equity Line of Credit account is still Open and my credit has been destroyed please see attached. This was an opposed auction and as I stated above it was an illegal auction in Appeals court now. XXXX needs to get their _____ together and leave me the XXXX alone. I have my home in a Trust as well as being protected against this sort of thievery with my Homestead both are in the Registry of Deeds recorded years ago. I will not be terrorized and slandered with this dirty false information by the most notorious thief on the planet ( XXXX XXXX whom XXXX did all the work for and still is ). I have spoken to XXXX re : this Equity Line of Credit, on XX/XX/XXXX and was threatened with a lien on my home. I got nowhere with the representative only threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
XX/XX/2020 Dear CFPB Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Last for SS XXX-XX- XXXX. 
Balance {$350.00} Complaint against : XXXX XXXX XXXX  and Chex Systems XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX please removed from my Chex systems report. 
Account # XXXX please remove from my Chex system report. 

Neither of these entities have been verified I have received no receipts or overdraft or anything XXXX XXXX  has not responded to my letters or my request to valid this. CHEX SYSTEMS have not given me any proof of this. 


I have written a letter to Chex Systems and told them to validate a debt that was in by Chex Systems report. I have asked Chex Systems to remove this from my report they wrote me a letter stating no they will not remove this information it was validated they did not send me what was validated and where the balance came from I was told the balance will be left in my report. This is causing damage to my creditability I want it removed I contacted XXXX XXXX to settle this issue I asked them to provide to me where this balance came from and if they can find out where and it is presumed accrued by me I offer them a settlement of 50 % of what the balance they are stating is and also to have those accounts removed from my reports. The Chex Systems report states I have a balance of {$350.00}. Chex Systems did not send me how this balance was created although I must have this out of my report. This balance is presumed from 4 years ago I do not remember having an overdraft with them or a balance. I do not owe XXXX XXXX any money how and receipts when where. 

I want both entries removed from my Chex Systems file please. Neither Company has shown me where these balances came from since they can not it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NC

Complaint narrative:
I attempted to get insurance for my car through XXXX XXXX, and the rate quoted during quote was lower than when I went to check out. It stated I had an accident with injury on XX/XX/XXXX that I was at fault over, I talked to service person and they confirmed and gave me phone number and Reference number # XXXX. I contacted LexisNexis ( XX/XX/XXXX ) and over the phonean automated system took information and was going to send me a report which I still haven't received. Couple days later I contact LexisNexis again and talked with a lady who stated I had this on my report but with no injury and that it was an accident with a travel trailer that belonged to my ex wife in which she ran it into her house backing it in. I gave the lady from LexisNexis all information AGAIN and she was going to file a claim to remove. On XX/XX/XXXX I received a letter stating they can't find a file matching mine. So I tried to get XXXX XXXX again thinking it had been removed, but still shows against me. At this point I don't know how much extra I have paid since XXXX due to this and now they're playing games stating they have no information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My husband of 43 years passed on XX/XX/XXXX we where with Ocwen they agreed to a modification of my loan. I started to pay them XXXX per month starting XX/XX/XXXX. Ocwen transferred my loan to PHH Mortgage I have been with them since XXXX XXXX. I have never missed a payment with them of XXXX at 5 % for 30 years. I was 3.75 % and my balance was XXXX moved in my home XXXX. They agreed to my modification and my balance on my home is XXXX. They stated to the credit bureau I miss XXXX, XXXX, XXXX and XXXX, it took my credit to XXXX. I am still working in the XXXX XXXX with XXXX XXXX XXXX that I could loose due to this credit report error. I sent bank statement showing never late or missed payments and that my modification with them was approved due to me never missing a payment with them. My credit is very important to me now that it's only me. I would like them to correct this urgent mistake so that I can live this is causing me overwhelming hardship. Also are their attorneys that can help people like me to assure that this modification is not again hurting me and it ; s fair justified. I can send you copies of letter to PHH to correct this major error. 
If not my life is over due to this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX & XXXX XXXX USAA Began Fraud Investigations on Purchases of XXXX & XXXX of XXXX by placing Temporary Credits on XXXX & XXXX Listed as Adjustment Purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are Not included in Total Credits Applied for this period {$910.00} APPLIED I have Not been Notified the Results of the Fraud Investigations Begun XXXX & XXXX. A FULL YEAR LATER ON CHARGES TWO YEARS AGO What is the Resolve of these fraud investigations? Were Credits made Permanet? Why? When? 
Criminal Investigation of mail fraud. Letter dated XX/XX/XXXX sent XXXX Requires Proof Tracking DELIVERED INTO MY HANDS XXXX & XXXX Fraud Investions above are from Purchases of XXXX & XXXX of XXXX. Why did USAA DELAY 5 months BEFORE EVEN BEGINNING AN INVESTIGATION? I HAVE BEEN LIABLE FOR FRAUD FOR TWO YEARS UNRESOLVED AND SENT TO COLLECTIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit 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 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants & Professional Collection Bureau , Inc. 
XXXX XXXX XXXX , XXXX, TX XXXX Reported an account in collection to all 3 credit reporting agencies as " joint ''. It is not. This is another family members sole responsibility. 

This company tried to contact me ( cold call ) several months but would not release any info unless I provided personal information which I do not do to unknown cold calls. 

This company fraudulently listed this as a " joint account '' in " collections '' against my credit. 

This company will not provide any information except to the other family member, yet maintains I am responsible. 

Action : This needs to be cleared on my credit files and this company should be severely fined for illegal and immoral business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have been a Honda Customer for past 6 years with multiple leased vehicles with 0 late payments. 

In XX/XX/2019 I moved from XXXX to XXXX. My XXXX payment for 1 of my leased vehicles was returned. I did not receive a communication from Honda that it was returned until I received the next bill in XXXX in which was then paid in full. The account is paid in full and closed. 

I disputed as Honda said they attempted to contact me in which I did not receive any communication and as soon as I did ( next bill ) was paid in full. 

This should be removed from my credit report. I have a long strong history of credit including with Honda.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: IL

Complaint narrative:
Equifax lied to me they took off my bankruptcy, but still on my report! Other credit bureaus deleted them! Plus Equifax compromise my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I used the Experian web site to place a credit freeze in the past. In XX/XX/2019 I was unable to place a credit freeze on their web site. I sent a letter as instructed by their site and received no response. I have sent communications to Experian asking them to enable my credit freeze on their web site. When I try to use their app they want to bill me {$9.00} a month to use their " Experian Credit Lock ''. The other two credit bureaus offer this service for free on their apps. Experian is not granting the free credit freeze which is required by law. I am asking the CFPB to take action with Experian.

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