vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have an existing mortgage at Select Portfolio Servicing , Inc . I am refinancing at a much lower rate at XXXX. I live in a XXXX XXXX XXXX Co-op. XXXX has requested that SPS send my co-op stock certificate and lease so that the mortgage transfer can be completed. According to XXXX, this should take up to three weeks, at maximum. I have been waiting nine weeks with no end in sight. I have been told by lawyers that SPS delays intentionally to hold on to the mortgage interest as long as possible to get interest or to discourage the customer from following through on the refinance. I have called them over 10 times and have received no satisfaction. They do not care about the customer and clearly are trying to delay the process to their benefit. I have spoken to the head of customer service and have had no satisfactory explanation why SPS takes at least 4 times longer than industry standard practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: FL

Complaint narrative:
XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX -XX/XX/XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXXand paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and Equifax all three have failed to dispute correctly and are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: FL

Complaint narrative:
XXXX XXXX did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX  in XX/XX/XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XX/XX/XXXX-XX/XX/XXXX.

This is in direct violation of the FCRA. The account was re-affirmed in XX/XX/XXXX and paid in full. 

XXXX XXXX sent me a letter that reporting is correct when it still is not. 

Experian, XXXX and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.

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
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Have had multiple fraud problems with target since there breach. There online services is never up been trying for days. The amount in dispute is {$320.00} dollars. I contacted them once I found out about the fraud. They accused me of making the purchase because the pin was used. They never looked into the case or pulled footage. They denied the claim because pin was used and not changed before fraud. The card was in my possession. I called back on XX/XX/19 and was Informed I am being held liable even though again they have been breached multiple times and did not actually inquire into the matter. If they would have pulled footage from there own store they could clearly see the purchase was not made by me or anyone I am associated with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I'm a new homeowner since XX/XX/XXXX and have been making on time payments every month-for 14 months, I was finally feeling financially confident to raise the minimum monthly payment so went online to do that- turns out I assigned a second one-time payment for the XX/XX/XXXX mortgage ON TOP of the automatic payment I thought was adjusted. So within the same week I had a deduction of {$600.00} on XX/XX/XXXX and another deduction of {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I realized the second payment was coming out of my account- so I called AmeriHome mortgage and even talked to a supervisor about this mistake. They tell me because I made the error I won't be getting a refund and it's too late to stop the payment ( you can only stop it 3 days prior to the deduction date ) I'm furious that a simple mistake on their complicated website created this issue and now I'm unable to pay my other bills- which will decrease my credit score and basically make me regret this extra error way more than is necessary. I'm looking for another company to refianance because no way will I allow Amerihome to do this to me again! they've lost a 30 year contract because of their inability to see commonsense

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a credit card from Capital one Financial, kept it until XX/XX/XXXX and just before I made a final payment I called a Capital one Financial representative and asked him if there was going to be a fee for simply having the account opened, he replied no. This XXXX Capital One closed my account and due to this my credit score dropped XXXX points on XX/XX/XXXX. I was in good standing with them I had no missed payments. And now I get a letter from Capital One asking me to get their Data Security plan, and whats strange about this is they highlighted XX/XX/XXXX, the day my credit score dropped drastically. I think did this willing fully with my credit score drop only to get me on their plan. I had called their department and they kept me on hold for so long and the representative was giving me the run around. Some one please help. I will attach all supporting documents. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine

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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) 30 days late as of XX/XX/XXXX ( All 3 Bureaus ) My credit has always been very important to me. When things started to get tight I went to XXXX XXXX ( a consumer credit counseling agency ) to help me manage my payments and to ensure that I could successfully pay off all of my credit cards without being late, including Capital One. Unfortunately, somehow Capital One reported me late for 3 months and it seriously damaged my credit. 

I enrolled with XXXX XXXX on XX/XX/XXXX. When I enrolled, the credit counselor determined what each of my payment amounts would need to be to ensure I would not be late on my obligations ( including Capital One ). On XX/XX/XXXX XXXX XXXX debited my account for the first time. The Capital One minimum payment of {$140.00} was due on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX paid Capital One just {$120.00}, which was {$19.00} less than the minimum payment. For some reason, Capital One did not accept the offer from XXXX XXXX until XX/XX/XXXX. This caused the very first 30-day late payment to be reported to the credit bureaus in XXXX. The Capital One account was still not showing that the minimum payment had been paid. Capital One reported this as a 30 day late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a XXXX late payment to the credit bureaus in XX/XX/XXXX. 

When the XX/XX/XXXX billing cycle came around, the minimum due to Capital One was {$320.00} due on XX/XX/XXXX. XXXX XXXX debited my account on XX/XX/XXXX and paid Capital One {$120.00} on XX/XX/XXXX. Capital One reported this as a 30-day late payment to the credit bureaus in XX/XX/XXXX. 

By the following month, the payments being made by XXXX XXXX were enough to catch the account up, but at this point the credit damage had been done. There were 3 rolling 30-day late payments which hit my credit report and severely dropped my credit score. 

Since this time, all payments have been made on time. However, the damage had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NC

Complaint narrative:
Company calls and tries to collect a debt that is not owed. Very rude and pressing trying to get me to pay something they can not verify. I've received no information and have never heard of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My lease ends XX/XX/2019. And due to certain circumstances, I wanted to sell the leased car to a 3rd party vendor before my lease expires. 

XX/XX/2019 : I called Chrysler Capital to evaluate my options and if I were able to sell the car to a 3rd party dealer. I was told it was an available option and that the dealer would need to call Chrysler Capital for the dealer payoff quote, but no one ever mentioned any time restrictions XX/XX/2019 : When I was about to finalized the transaction with the 3rd party dealer and reached out to Chrysler Capital for the dealer payoff quote, I was told that was no longer an option as it was within the 60 day windows of my lease termination. I literally missed my 60 day window by 1 day. 

No one had informed me of this 60 day window, not even when I called on XX/XX/2019 when I had inform the call representative of my intention to sell to a 3rd party dealer. I reviewed my lease contract and I also dont see it written anywhere. 

Because of this lack of transparency, it has completely derailed my original financial plan. Chrysler Capital needs to make these restrictions more conspicuous. I still dont know where this 60 day restriction is listed on my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.

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 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This group calls none stop. All day long calling, and when pickup no one answers. Call back to get an abusive person on the phone. They have resorted to calling my work, which has a stick no personal calls policy. I have no debt with these people on my credit report and they refuse to verify anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: PA

Complaint narrative:
I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from Experian telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!

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 2019-11-01 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: NJ

Complaint narrative:
American Express has caused an adverse effect their error led to a poor reflection of my credit history. How can they claim that its an internal system error, and choose not to inform the consumer? They claimed there was a letter was in the mail on XX/XX/2019 with an explanation ; the letter arrived today, XX/XX/2019, and is dated XX/XX/2019, after my initial complaint. Various attempts to get an answer were disregarded. XXXX ( # XXXX ) contacted the back office who outright refused to discuss this issue with me. This egregious behavior is outlined in the Dodd-Frank act : UDAAP. 

American Express increased my available credit, notified via email, then decreased it in the same month WITHOUT any notification. They're intentionally being unclear as to why they screwed up my account and impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My current mortgage is with NewRez. My loan ID no. XXXX. 

I am in the process of refinancing my loan to a lower interest rate with XXXX XXXX. My original closing was suppose to happen by the end of XX/XX/XXXX but now I am scheduled to close on XX/XX/2019. 

NewRez sent an updated loan payoff letter that included an additional amount for my property taxes {$2300.00}. 

My escrow account at new Rez has a balance of {$2600.00}. 

I contacted the customer service at New Rez on XX/XX/2019 and requested a new payoff letter that did not include the amount for property taxes and after placing me on hold and checking with a supervisor the rep came back to the phone and told me that the new letter would be emailed that day. The letter was never sent. 

Myself and the loan officer from XXXX XXXX called new Rez today and was told that the payoff letter would not be changed. I asked to speak with someone in the loan servicing department and was told that I could not be transferred to that department. 

I have sent an email to the loan servicing department and waiting for a response. If I am not provided with a corrected loan payoff letter I will be forced to either delay my closing again or try to come up with {$2300.00} for closing in less than 24 hours. 

New Rez is currently holding {$2600.00} in my escrow account but yet they are forcing me to pay an additional {$2300.00} to be able to refinance my loan. 

I was told by the customer service and the customer service supervisor that is their procedure and when I asked to speak to her supervisor I was told that XXXX XXXX was not available and that if she was available Ms XXXX would give me the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
Years ago while shopping in A local XXXX XXXX I lost my wallet that included a lot of my important papers. I immediately filled a police so that my bank cards would be covered by the report. A few years later I try to apply to finance my home I noticed there were negative remarks on there that I had to get removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
PREVIOUS OWNER XXXX XXXX THIS IS A FOLLOW UP FOR CASE # XXXX FILED WITH CONSUMER REPORT XX/XX/XXXX ALONG WITH CALIBER HOME LOANS RESPOSE LETTER, CLOSING COMPANY HAD CONTACTED CALIBER SINCE XX/XX/XXXX WITH SLOW TO NO RESPONSE. 
PER CALIBER REQUEST IN WHICH ALREADY BEEN PROVIDED BY CLOSING COMPANY. DOCUMENTS ENCLOSED ARE XXXX XXXX XXXX ACCOUNT # XXXX ( COPIES ENCLOSED ) ONE LOAN UNDER XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OK.XXXX HAS 7 PROPERTIES INSIDE THIS LOAN, ONLY ONE PROPERTY BEEN RELEASED XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, OK. XXXX THIS LOAN WAS SOLD BY XXXX XXXX XXXX TO CALIBER HOME LOANS XX/XX/XXXX. 
CALIBER LOAN # XXXX WHICH HAS SAME 7 PROPERTIES. 
PLEASE RELEASE REMAINIG 6 ADDRESSES PER COPIES PROVIDED. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: PA

Complaint narrative:
I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from XXXX telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!

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