vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently ordered my credit report from Equifax and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX  XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since XXXX XXXX, I have been trying to get Equifax to confirm I have been enrolled in their TrustedID service in response to the data breach. Previous to that date, I followed the instructions and applied for the service as directed by Equifax. I also contacted their customer service number by phone to enroll and was told I would be receiving an email confirmation. That email never came. I followed up with several emails. I was last contacted by them on XXXX XXXX where they stated XXXX in the email ) that I would be contacted by a representative. I have not been contacted despite having sent them follow up emails on XXXX and XXXX. I have the case number and incident number they provided in their last response to me on XXXX and will provide it to XXXX as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.

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
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, I received an offer from American Express XXXX AMEX ) to apply for the Platinum Card, which is {$450.00} a year. As part of this offer, they promised XXXX bonus points, if I charge {$20000.00} within the first three months. I accepted this offer and received the card. 

After receiving the card, I asked about this points offer, and they told me that I would not be getting it, as I 've had an AMEX Platinum in the past. Never during any of the application process was I notified of this, nor is it a stated condition on their website. AMEX imposed this condition *after* I had accepted their offer, and tolerated a hard credit pull.
AMEX must honor the offers that they make. Businesses can not make an offer, have it accepted, then reneg. This is flatly against the XXXX, and is probably illegal. 

If I had not noticed this issue, and proceeded, I would have been out {$450.00}, plus another {$600.00} or so from points I would not have received from another card. So I was on the hook for about {$1000.00}, if AMEX were to get away with this. 

They have offered no remedy at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a XXXX XXXX loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax after I noticed a few fraudulent accounts on my report. They deleted 2 out of 3, but have yet to show me proof of the information they used to validate the account belonging to me. 

I placed an initial 90 fraud alert on my credit with all 3 credit bureaus. 

Equifax has stated that the hard inquiries on my credit report they verified them factual and when I spoke with that on XXXX/XXXX/XXXX I explained to them that those inquiries was ran fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.

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 2017-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I have sent Loan Care my mortgage company several request to properly adjust my escrow account and to stop collecting taxes in which I am 100 % percent exempt from paying.

I have explained to Loan Care that the tax information concerning my home is in fact stated clearly on the XXXX county XXXX  website. So that all they have to do is go to the website or call the XXXX County PA tax department and ask the tax adjusteXXXX for the tax information concerning my home. 

Loan Care has refused to consider any documentation that I have sent them and they have decided to collect taxes from my escrow account that I do not owe to the county. 

Loan Care told me over the phone that XXXX County of PA submitted a tax bill to them requesting XXXX. This is not true. Loan Care also told me that they are required to pay this tax amount twice a year. This is not true also.

I have explained to Loan Care that the only tax amount that is due is XXXX to the XXXX XXXX XXXX once a year on XXXX XXXX. 

I am asking that Loan Care collect the proper amount of taxes from my account and to adjust my escrow account accordingly. 

Also, I am asking that Loan Care stop connecting me with people over the phone that do n't know anything about an escrow analysis and tax collection.

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 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A dispute was filed for a transaction in the amount of XXXX on XXXX XXXX I believe is the date, XXXX is the merchant name, this an XXXX purchase. This was paid by myself for a purchase made with my mother 's XXXX account, not my own. An XXXX XXXX was ordered, advertised as unlocked. When item arrived, it would not work as it appeared it is not unlocked as advertised. My mother filed a dispute with XXXX on her end as again, it was purchased under her XXXX account. Item was returned, a tracking number provided. However, my mother is elderly and the incorrect tracking info might have been provided to disputes team. A temporary credit was provided and later reversed, disputes team requested information from a third party stating item is defective/would not work. The item was already returned back at that point, tracking number was provided as stated before. The rep, XXXX, replied back stating he is closing dispute and reversing credit, will not reply back to messages via secure inbox. Needless to say, this rep is rude and uncooperative. The credit was reversed and my account is now overdrawn because of it. I wish to reiterate that item was returned, tracking info might not be accurate as my mother is elderly and easily confused. However, item was not as advertised as it was not unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX XXXX 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 explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NOXXXX. 

AND XXXX XXXX LOAN NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY

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 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AR

Complaint narrative:
IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.

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