vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: NY

Complaint narrative:
XXXX XXXX XXXX account # XXXX. 
Was disputed & challenged in XX/XX/2019 with Experian. However, the company has responded that the funisher has verified this account, Without providing methods of verification as requested. This is a violation. 

Experian is currently reporting XXXX XXXX XXXX with a payment history after account has been closed and placed in collections. This is a violation. 

Experian does not report the last date of payment received. A violation

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 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NC

Complaint narrative:
This debt was from over 2 years ago, why am I just being notified of a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My bank moves my charges around to charge excessive fees. Many times they will move pending charges and keep only the smaller fees pending to charge multiple fees. Also company allowing unauthorized debit of XXXX. And it caused many fees. They will lot reimburse these fees even though its determined to be unauthorized. The fees are very excessive totaling over XXXX in the last few months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

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 2020-01-29 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charge of {$3500.00} was made on XX/XX/XXXX to the XXXX XXXX XXXX for a legal matter. For the 60 days following the agreement, the law office failed to correspond with me regarding the progress of this legal matter, did not acknowledge nor return my phone calls ( which had several scheduled phone appointments ) and emails. On XX/XX/XXXX, I emailed the attorney advising that I wanted to terminate the agreement for lack of service on her part. The office never responded. I contacted Capital One to file a dispute on the {$3500.00} charge. Capital One requested more information, which I provided. They then advised me on several occasions that my required documents were received late or I missed a reply to their requests, which I did not. They have said many times in their letters that this file would be closed. I have submitted all available documentation on time, with proof of receipt by Capital One via USPS or email transmittal. My position is that I never received the legal services that I paid {$3500.00} for. 
I signed the agreement with Ms. XXXX 's office in good faith that this matter would be resolved in a timely manner, with an open line of communication during the process. I failed to receive the communication, failed to receive the legal service and now I am at risk to lose the {$3500.00} fee that I paid to the XXXX XXXX XXXX via my Capital One credit card. The attorney claims she performed the expungement but I had to hire another attorney to do so. If she worked for the {$3500.00} then I want proof, which she has failed to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
Hello, M & T Mortgage has given me the run around. I have a VA loan and I am also working with a HUD Housing Counseling Agency. I was out of work and since XX/XX/2019 I started a new job. I have resolved my reason for delinquency and have provided the mortgage with all required documents. I have since XX/XX/XXXX have been told that they do not have my paystubs and then the reprehensive that I speak to finds them and then tells me they have everything. This is every day since XX/XX/XXXX. I was told on XX/XX/XXXX that my file would be escalated to the Intake Department. I am still getting told they do not have my paystubs to this day and then told they have them. My housing counselor was also told that there is not a required timeframe for follow up concerning the escalation. So in other words they are stalling and not communicating to me or my HUD housing counselor what is going on with my file and are telling us that there is nothing we can do about it and that we are not able to speak to anyone to get the issue resolved. My housing counselor also requested to speak to the office of the president and was denied. The mortgage company is not helpful and will not provide accurate information to help mitigate the issue. Please help. If this is happening to me I assure you it is happening to thousands of others. I have also reached out to the VA and they are trying to help with the issue but any additional help would be helpful. The lack of communication between mortgage companies and borrowers is completely out of hand and should be addressed.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : Experian has one time to get this right before I file a lawsuit against them. I was finally able to pull my report. I have never had any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX. I have never had accounts with them at all. I will be updating my police report, but until then I need these removed asap. These items are not mine and are fraudulent and they are hurting my credit score and my score with other creditors that I pay on time. I need them removed asap. These are items that have been removed once before and they have added them back on. This is unacceptable and I will file a lawsuit asap if they are not removed immediately.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I requested a balance transfer from my XXXX to a new Capital One card. After I submitted my request, I realized that I had accidentally put my XXXX   rewards number, and not the actual credit card account number, in the application. Believing that Capital One would not be able to approve this request without an accurate account number, I re-submitted the request, with the assumption that the original submission would be cancelled. 

I then saw on my account on XX/XX/XXXX, that the balance transfer had been completed twice - and twice the balance of my original request was on my new Capital One account. In addition, I had been charged TWO balance transfer fees. 

I called Capital One to see if the first transfer could be cancelled - since they did not even have the right account number for that request. I was told that it could not be cancelled, as funds are sent electronically. ( Note, the balance I was transferring is still on my XXXX account. ) I was then told that I would need to work with XXXX to have the additional amount transferred over refunded to me. 

I did ask the Capital One representative if the balance transfer fee for the first balance transfer could be refunded, because it was not at all my intention to have this transaction completed twice. However, she said there was no way she could lift the fee. 

1 ) I am upset and feel insecure as a consumer with the way Capital One handled my information and completed a balance transfer with an incorrect account number 2 ) I think it is wrong that I am being charged the balance transfer fee twice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This mortgage was paid off on XXXX XXXX by XXXX XXXX XXXX XXXX thru Escrow company XXXX XXXX XXXX XXXX. Since I was selling this house everyone wanted it to close fast. Someone did not update the demand for payoff of the loan and instead of paying {$580000.00} actual mortgage payoff, the title company wired {$590000.00} ( Im using rounded numbers ) so this created an overage that was due me out of my equity proceeds. There was an overage which was sent back to an ach number that had nothing to do with the loan payoff. Rather than send it back to the title company SHELLPOINT sent it to a contractor who was working on my house and we had an arrangement. I paid him already out of my escrow proceeds the money due him and this money was supposed to come back to me. Its mine. I do now wish to deal with Mr. XXXX XXXX the contractor anymore because he has threatened me many times and Im afraid for my life. SHELLPOINT mistakenly sent the money back to him because he was making the payments because of our business arrangement. The money was supposed to come back to me the only listed person on title. We signed a release and I sent him the remaining money he was due. Im XXXX years old and he used my house to make money and threatened me when I started acting up. SHELLPOINT said they were looking into it last Thursday then I called today and they had NO record of anyone looking into my concern. They gave me the ACH numbers which match up to the contractors Routing and account number. The contractor has not sent the money back to me and SHELLPOINT is saying so far they are looking into it but noone calls me back! They claim they sent it back to the last ACH number they had in their file and that would have been the contractor because he made the last payment to them ... but I already settled up with him on this payment. I am afraid to contact the contractor. SHELLPOINT should have never wired to an account when they didnt know who owned the account. SHELLPOINT was very rude to me.

I am left without {$5100.00} I was due and as a senior citizen recovering from XXXX I have limited resources now after this sham contractor used me. SHELLPOINT needs to get the money back from XXXX XXXX ACH XXXX XXXX and deliver it to the right owner on title, me. Mr. XXXX is not on title to my home and never has been. He tried to get me to sign over the grant deed and I refused. The property address was XXXX XXXX XXXX, XXXX XXXX  XXXX, Ca XXXX - my sold house. 

Thank you please help me. 
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 2020-01-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Please send the following information used to verify the validity of [ Manually type in the items you're wanting them to describe, i.e. ; identify item ( s ) by the name of the source, such as creditor or tax court, and the type of item, such as credit account, judgment, etc. ] : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a payment on Saturday for {$1000.00} and when I attempted to Cash Out from XXXX and a search box populated for my bank and prompted me to enter my login information and this never happened before. Something seemed a bit strange so I said I would wait until Tuesday to see if the funds would hit my account they didn't. I checked my XXXX XXXX online and the funds were not available so I did a XXXX Search and I located the following number XXXX and a representative answered and asked if I had experienced this before and sent me a code and stated not to release the code to anyone and they were having server issues. He stated that my account needed to be verified and they would release the {$1000.00}. He knew the amount of the memo and the person 's name. He asked if I could contact the person that sent me the funds via the XXXX and verify the info so we did a three-way ; the " representative '' had the card number for which the funds were sent to me from XXXX and authenticated the sender 's info too. We ended the call and the " representative '' continued to say we needed additional verification. We contacted two additional parties I was becoming frustrated he was asking questions if the funds were there I was advising no and I was getting impatient. Anyway, long story short they hacked my XXXX account and impacted 2 of my family members/friends accounts for a total that exceeds {$5000.00}. The numbers that I have for the company is XXXX and XXXX. I contacted XXXX XXXX which is the owner of the XXXX number and reported the number for scamming and also contacted XXXX for the XXXX for the landline phone. I will also be contacting the Attorney General of New York.

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 2020-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a notice from PHH Mortgage Escrow Services who took over my mortgage loan from XXXX services in XXXX of XXXX. I received a notice from PHH, dated XX/XX/XXXX, that claimed I owed PHH {$170.00}, for an escrow shortage. However, the notice did not reach my mailbox until XX/XX/XXXX. I contacted PHH immediately and informed the representative that, XXXX, the previous mortgage company had already re-accessed my escrow and charged me {$75.00}, in XXXX of XXXX. PHH representative, on my initial call, in XX/XX/XXXX told me she could see in their records what I was telling her, and that she would send a notice to escrow for a " correction. '' I have called PHH several times ( 4+ )  and each time I'm given a different date for an answer. the last date I was given was XX/XX/XXXX. I checked on line, called PHH, and keep a close eye on my mail with USPS, but still no answer! I called PHH today on XX/XX/XXXX, the representative told me Escrow just put in a note on XX/XX/XXXX, stating they do not have my Escrow information from my previous servicing company ( XXXX ). To date, I have paid escrow shortages to XXXX and to PHH totaling over {$250.00}. If PHH has taken over my loan from XXXX, it is their responsibility to make sure they have all the documents needed in order to collect money from me! since PHH took over my mortgage services, I am now paying an additional {$30.00} per month in excess of the initial increase from my previous mortgage servicing company. My monthly mortgage has increased in less than one year to nearly {$60.00} per month between the two errors!!! I am on a fixed income, and can not afford this increase in my mortgage payment from PHH!!! I attempted contacting XXXX  for PHH, and was put on hold today for over an hour and then cut off!! I have been trying to rectify this situation with PHH mortgage servicing since they sent me the notice of an escrow shortage in XXXX of XXXX. I have NEVER received anything in writing from PHH, no courtesy call, nor am I able to access ANY of their escrow information on their website. Yes, there is a balance they show in my escrow account, and the amount they paid to my first installment for property taxes, but when I make a payment specifically to PHH mortgage escrow, I expect to see evidence of that immediately on line or somewhere in a statement!!! I have paid PHH {$170.00}, for a so called escrow shortage and have not received any answer for this error!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had fraud on my account on XX/XX/XXXX two separate charges of XXXX   from a financial services company and called to report it. I was told I would get a new card in 4 to 6 days and I never received it I called and tried to find out what happened they didnt update my address. ( wich I have them multiple times ). Repeated this process 3 more times and now here I am over 30 days later still with no card. They told me that since my pin was entered they had to charge the XXXX back to my account and said I was responsible to pay it. I was told they would credit me XXXX dollars back into the account for the inconvenience instead they took XXXX out of my account and said it was to cover fees that I was told was going to be waived. So basically someone stole money out of my account and they charged me for it. I had supervisors hang up on me and I have been threatened. I have names of the people I spoke too and I have saved on my phone all the days I called and they record every call. I have been lied to and thrown under the rug for a month and still have no resolution from capital one. She also confirmed that I was in my own words XXXX

Company response to consumer: Closed with monetary relief