vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One is blocking me from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: FL

Complaint narrative:
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I participated in the refer a friend offer from American Express for my XXXX card. I was to receive XXXX points per friend referred up to XXXX points per year. I referred a total of 4 friends and the XXXX points appeared on my XXXX and XXXX statements. 

They never were deposited into my XXXX XXXX account though. I have called 4 different times and have been told there was an issue with referral points posting properly and that they should be deposited within a few days. Each time nothing happens.

The terms clearly say that the points should be deposited in my account within 8-12 weeks. Those dates have come and gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
It appears that Seterus may be using a delay tactic to provide a mortgage loan borrower potential assistance or information she is legally entitled to in a timely manner.

Seterus Correspondence Response Team is sending written correspondence to a Legal Aid 's Executive Director about a mortgage loan he never inquired about. One of the Legal Aid 's staff member represented the borrower on said mortgage loan in the past. The Executive Director was never part of the services provided to said borrower. 

Per the XX/XX/XXXX correspondence, Seterus records indicated that the Legal Aid currently represents mortgage loan borrower and Seterus did not have the authorization to communicate directly with the borrower. They further went on to confirm that the correspondences the Executive Director had received were not sent in error.

The Legal Aid 's staff member that assisted the borrower sent written correspondence to Seterus on XX/XX/XXXX confirming they were no longer representing the borrower. She requested that all future correspondence was addressed to the borrower. On XX/XX/XXXX she sent a second written correspondence to Seterus, which included Seterus internal Third Party Authorization form so their staff could proceed communication with borrower and her daughter who had Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL

Complaint narrative:
Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I checked my credit report from all there bureaus and noticed a debt collection item that was added but I have had no knowledge of from Convergent. I contacted the company and was talked to very rudely by a rep name XXXX. She threatened to sue me as well if I dont pay the debt but refused to send debt validation and verification. I have asked Convergent to cease and desist, stop contacting me and my employer. They continue to call and harass me about a debt Im unfamiliar with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX has been improperly reporting an old account that is no longer open. The account is a paid charge-off account. The balance was {$380.00} dollars and I had paid {$320.00} dollars to settle the account back in XX/XX/XXXX. The issue is that XXXX XXXX XXXX  has reported the account as failed to pay in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XXXXXX/XX/XXXX. Those 4 marks had greatly impacted my overall credit score and they should not be listed as failed to pay. They in fact should be listed as a charge-off in the payments history. Having 4 failed to pay marks well after I had settled the account isn't proper credit reporting. This has damaged my credit and so be remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is listing 2 separate accounts as in an open status. They are both from the same creditor XXXXXXXX XXXX. They are both paid collections and should be listed as a closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NM

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX for several years. They offered me a new phone. I agreed to their offer. 
They told me they would ship the phone to me within a week. After a week I had not received the phone. I called them and they told me they showed the phone as delivered to me. I told them I did not receive the phone. They said, " When the phone shows up, we will reimburse you for it. '' I told them I was not going to pay for a phone I did not receive. 
They told me I had to. I refused, and told them to cancel my account. They told me they would submit the transaction to my credit report. I have tried to have it removed from my credit report with XXXX and XXXX. They claim it is a valid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: OH

Complaint narrative:
I have disputed a collection account on my TransUnion credit report multiple times any they always say they've verified it. It's not my debt, period. I have never received anything ( phone call or mail ) from the company. They won't respond to my letters. They say my only option is to talk to their attorney.

The problem here is with TransUnion. I filed a complaint against TransUnion last month with the CFPB and that dispute has vanished from my account here. 1 ) I was not notified by TransUnion of the results of the last investigation. 2 ) My complaint against them to the CFPB was removed. 3 ) I specifically have asked every time for them to explain how they are verifying this account because IT DOES NOT  BELONG TO ME and they have refused to answer that question. They just say they verified it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is listing 2 separate accounts as in an open status. They are both from the same creditor XXXX XXXX. They are both paid collections and should be listed as a closed status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been enrolled in autopay for the life of my loans. I am of the understanding that these payments were to cover the amount of interest across 3 loans that totaled {$15000.00}. Upon looking for a payoff amount, I see my balance due is is over {$19000.00}! Having not made any principal payments, and making all my payments on time, I would not expect my payoff to be more than {$15000.00}. Also, when I initiated these loans, my interest was around 9 %. Looking today they are between 10.75 and 12 %. I receive monthly emails that are essentially a reminder that I have accounts with Navient ; I can not recall any additional communication ( short of Navient taking over my loans from Sallie Mae ) that mentioned anything about arbitrarily moving my fixed rate loan interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc.
State: GA

Complaint narrative:
I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I was called about an apparent credit card that I opened in XX/XX/XXXX. According to XXXX XXXX XXXX, I paid on the card until XX/XX/XXXX ( for all I know, the card could have been paid off! ). According to the said group, The card was on my credit report, then taken off due to statute of limitations. The debt was for approximately {$5000.00}. The person I talked to on the phone stated that if I paid {$1000.00} within a month, he would settle the account, if I didn't he would sue me and the judgement would go on my credit report. I explained to the person I talked to that I vaguely remember even having the card. I didn't know that I could be sued for such an old debt. It seemed odd that such a high balance could be settled at such a low amount. I didn't understand why I was given such a short time frame to come up with a large amount of money for me. When I explained to the person I talked to that a lot had transpired since XX/XX/XXXX,  included a XXXX dad who survived a housefire, who I'm now Power of Attorney of. When I asked to at least have more time to get the money, that was refused. I didn't want to promise that I could get {$1000.00} in a month when I couldn't. What if I made that promise when called, and my XXXX   dad died. As Power of Attorney, I would be in charge of end of life arrangements, while going through the grief process myself. Would XXXX XXXX XXXX still take me to court then? It is inhumane to put such ultimatums on people in lue of the inevitabilities of life!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Iv'e been my home for 20 years I love my home I was a XXXX XXXX for 19 years I lost income in XX/XX/XXXX called wells fargo ask for a forbarce progam they told me I did not have enough income so I got a part time job got back with wells fargo said it was not enough went back and fordward to court luckly got full time job at XXXX XXXX yes I can pay on time and back now I have a shireff sale XX/XX/XXXX cause wells fargo say I make to much and I can pay the XXXX I owe in full I have bills and a son that is in XXXX  who I have to help but with the job and and my retirement and can make payments but don't have XXXX in full so can you please help me my loan number is XXXX well fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: OH

Complaint narrative:
On XX/XX/2018 I used a service the XXXX money network offers, which is the ability to write a check to withdraw money from my account without my card. I called the company 's number to receive an issuer number and transaction number and wrote the check for {$400.00}. When a transaction is created, the amount of the check is deducted from the account and moved to the check. When I attempted to cash the check, the cashier called the company to get approval for the transaction, as policy provides. Upon calling, the automated message said the check was unable to be verified, I called the company and while I was on the phone with the representative the cashier tried to verify the check again, but it was again denied. The representative then informed me they would not be able to cash the check. I was directed to fax a copy of the voided check to their office, which I did the same day. Since that day I've been given false information and different information with each call. The entire issue was due to fault on their end yet they have not returned the funds to my account nor given me an accurate time for the returned funds. I have been told something different each time I've called, which has been daily for the past week. Even upon speaking with supervisor s on each call I've still not received accurate information. They told me there is no corporate office number to call, and during my call today I was hung up on.

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 monetary relief