vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I closed on the loan XX/XX/2020 Service account tried to steal XXXX XXXX XXXX XXXX They. Pulled my. Mortgage three times in one month They withold my payments XXXX XXXX defamed me now I've been threatened by XXXX XXXX Turned in caliber home loans to Attorney General XXXX XXXX and US Senator XXXX Chief of staff Been banned and threatened by Caliber home loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX ( Automobile Dealers, Used ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2021-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XXXX Navient called 8 times using an automated system. No voicemails identifying who it was or what it was for. I never gave consent to contact my cell phone which is documented in my profile according to their website as " Cell phone consent = None ''. Repeatedly calling within a single day is clearly harassment intending to annoy or abuse. When I was able to return the call that same day the offices were closed. I have the call logs for each of these calls from two different numbers XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX of a fraud On XX/XX/XXXX my bank account got 3 cash withdrawal charges from XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Im from maryland i live in maryland and ive been in maryland the whole time this was happening. I was at work. I got home around XXXX on XX/XX/XXXX. At around XXXX i went out to go to citibank and deposit a check to pay for my car and an error message pop out at the atm. When i checked my account thru mobile app thats when i saw the withdrawals that had done. I called citibank to dispute this charges and froze my account until i get the new bank card that theyre gon na send me ans give provisional credit while they initiate an investigation. On XX/XX/XXXX i received a letter from citibank that my disputes are denied. Citibank XXXXtatedbi have possession of my card and need a PIN to use at the atm and activities on my banking is consistent. On XX/XX/XXXX they took the {$1300.00} back. This withdrawals happened in florida and im in maryland how can a person withdraw money from maryland to florida in a few hours?

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 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX XXXXXXXX, Also with the Debt collection agency Credit Control Corporation. I also informed them that the information was invalid. They also took my information without permission and made their own decision to report that debt on my credit which I do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue and follow through with my request. 

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Credit Control Corporation is a third-party debt collector attempting to collect an alleged debt. 

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My issue goes back to XXXX of XXXX I had over draft protection on my account. I went over that amount. When looking for a house and running my credit, I found out that I owed that to PNC bank. I immediately called and paid off the debt. 6-8 month later, it was still on my credit. I filed a complaint with you since the bank itself is useless and has a dead address via a XXXX XXXX XXXX They responded pretty fast. Turns out that the customer service person that I talked to never processed my payment. The VP of one of the departments called and informed me if the issue. She took my payment right then and there. I received a letter stating that my account was paid in full as of XXXX of XXXX and that the matter would be put to rest. I have that letter. I recently ran my credit and that " ding '' is still on my credit. It's saying that it was charged off. How can it be charged off when I paid it off and i have proof on PNC letter head that it was paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
The number used to make my affirm account XXXX XXXX XXXX was spoofed and registered by someone under XXXX  while I had it under XXXX XXXX XXXX. It never got rectified so my number was changed to XXXX XXXX XXXX. I submitted the identity verification twice but they keep claiming I only asked to have my number changed via telephone which is false. I had to add payment via phone since my account is not accessible and they keep denying that proper information which has been submitted twice via the proper forms. To make things worse, the person who stole my number can access my information and I have gotten a report from from XXXX  saying new loans I don't recognize were added from affirm. I received the notice today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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 — Investigation took more than 30 days
Company: ERC
State: TX

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet. I don't have a record of this record that always had a place with me.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My name is XXXX XXXX. I have previously submitted 2 complaints against Wells Fargo Bank. Wells Fargo is STILL opening fragulant accounts in my name. Wells Fargo is still refusing to give me my money or close my accounts. Wells Fargo will not reimburse me for my money they let other people steal out of my accounts Wells Fargo is still refusing to acknowledge any wrong doing and still is telling all agencies I have contacted that I stole my own money. Wells Fargo told me they would take back their statements and report the truth they still have not.

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 2021-02-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute on 2 accounts on XX/XX/XXXX. The company failed to respond. I sent a letter to the 3 credit agencies and XXXX  and XXXX  immediately deleted the accounts but Experian still has not removed them and it's been more than 60 days. I want to file a complaint on Experian because it's been 60 days and those accounts are still reporting. The accounts are below. 

XXXX XXXX XXXX XXXX XXXX Credit card : XXXX Amount : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan : XXXX Amount : XXXX Date opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TX

Complaint narrative:
I tried contacting my bank Capital One to dispute a charge on my debit card but I kept getting hung up on. The charge is from XXXX XXXX for {$1400.00} that was charged in 2 seperate transactions one for {$140.00} and another for {$1200.00} to my Mastercard ending in XXXX on XX/XX/2021 for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Carats that I was supposed to receive within 5 days via XXXX. I showed my ID to a XXXX employee and I never signed for the package I ordered. The person who signed used a fraudulent signature at my apartments by spelling my last name wrong " XXXX '' when my name is " XXXX XXXX ''. I have filed a police report with XXXX XXXX Police Department with case number XXXX for the crime and reported to XXXX  and XXXX XXXX. The merchant has not been helpful and I have attached my emails with merchant and XXXX  as well as my Police report information. I just want Capital One to help me dispute these 2 transactions on XXXX XXXX for the full amount due to me not receiving the merchandise so I can have a refund please. 
My number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
This is my third complaint from the same issue. Previous complaints numbers : XXXX. Submitted on XX/XX/2020 XXXX. Submitted on XX/XX/2020 This mortgage company at first tried to charge me {$3000.00} for a flood insurance when I already had mine and most recently they are saying that my flood insurance is not sufficient without telling me how much is the " insufficient '' coverage and trying to force me again to purchase their ridiculously expensive policy for {$3000.00}. 

This is an abusive practice that I am sure they are doing to a lot of mortgage owners and my hope is that with the New administration you guys INVESTIGATE and PENILIZE this company. They are ABUSING consumer 's trust and trying to charge for insurance policies when owners like me HAVE PLENTY of coverage already. 

PLEASE INVESTIGATE!

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 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted TransUnion Credit Agency on XX/XX/2021 to dispute a medical bill that I have disputed with TransUnion on four other occasions. Each Time TransUnion has ruled in favor of the Creditor, this time I requested TransUnion to provide me with a copy of whatever documents the Creditor verified the debt is mine. I have explained to TransUnion the debt is not mine and they refuse to take it off or give me copies of the verified documents.

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 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On or about XX/XX/XXXX, I spoke with XXXX XXXX of Loandepot regarding refinancing of my mortgage. He promised me that if I submitted timely all my documents as requested by Loandepot then I could close no later than the middle of XX/XX/XXXX. I complied and even relied upon his statements because I had work-related obligations in XX/XX/XXXX that take me away from my home area. In early XX/XX/XXXX, I was contacted by XXXX XXXX who is a loan application processor who stated that it was going to take 10 days to obtain a payoff quote from my current lender, and that could delay the loan. I contacted my current mortgage servicer and obtained the payoff letter in 3 minutes and forwarded it to Loandepot. I was waiting, hoping and relying that I would close by my rate lock end period on XX/XX/XXXX. At which point, I received a form letter saying that my rate lock was being extended to XX/XX/XXXX. XXXX XXXX, a manager at Loandepot assured me on XX/XX/XXXX that they would fastback my loan and would have me closed before I had to leave the country on or about XX/XX/XXXX. On XX/XX/XXXX, not having heard from Loandepot, I had to CANCEL MY LUCRATIVE CONTRACT because I was going to a location where internet was unreliable and there were no notaries. NOW, Loandepot sends me a letter telling me that my rate lock has been extended to XX/XX/XXXX. When I call them, NO ONE can tell me when I will close. Loandepot has been duplicitous in all of their representations to me. They have strung me along when I could have used another lender. I did everything I was supposed to do and yet they have taken from me the one thing I can not get back : my time! Additionally, I have lost the income from a lucrative contract that I can not get back. My reputation in canceling is mush. I don't know if they're breaking the law or not but they're XXXX sure breaking their motto : Customer service is our top priority! Thats a bunch of XXXX! I'll never use this company ever again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My credit score appears to have a hard inquiry on a line attempt with Target. I have never attempted to achieve credit with this company and would like to have this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX  ( All Banks - non specific ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
The data that you showed in my credit report I previously requested a proof of how you managed this. You can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This is a Capital One credit card this card was disputed on or about XXXX, I became very ill and XXXX XXXX XXXX and had to depend on nurses and health care workers while having to undergo XXXX XXXX XXXX XXXX XXXX XXXX  and was not able to care for myself. During the time of my recovery, medical help was hired to care for me and to take care of bills and personal needs. stole my credit cards by using them without my authorization. please be advised that all my capital one cards were paid and I always had a perfect record of paying my bills. not having my XXXX was very scary and having to rely on people not only to take care of me but, to pay my bills and to run my household as if I was to do it. The problem is these people destroy my home stole my personal things and all my credit cards and destroy my credit by an identity thief. 

I'm pouring my heart out I'm so tired of going back and forth trying to explain why this or how this has to happen to me. please understand as soon as I realize this was going on I reported this to the police and I put my home insurance company on notice. I have reported these credit cards to capital for the last several years. again, please remove the late data off of all the credit cards that you have not removed but you assigned all my credit cards new numbers and removed unauthorized charges and late charges I did not occur. again it has been several years that I have been disputing and I'm trying to start a new begining. please understand i have reported to the police and my insurance company you have the police report. I don't know what else to do but i can get a letter from my insurance company. If you review your files and recordings and the investigations you will see that i have been doing all that is required. 
these late data is causing me to suffer and it is not fair that I was a victim I XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 30,60,90,120 DAYS XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THIS IS A VERY DIFFICULT ACCOUNTS BECAUSE THE ACCOUNTS WERE BEING USED BY DIFFIENT HEALTH CARE WORKERS AND I DIDN'T KNOW IT WAS IN HOW OR WHO, THE ACCOUNTS WERE CHANGED BY THE COMPANY MANY TIMES. IM NOT RESPONISIBE FOR THE FRAUD. 

IM AVAILABLE FOR QUESIONS. 


TOTAL OF CREDIT CARDS IS 4, ONE ACCOUNT IS IN CHARGE OFF PLEASE IM ASKING FOR MY ACCOUNTS TO CURRENT AND ALL LATE DATA OFF AND CHARGE OFF TO BE REMOVE. I ASK AND SEND MANY POLICE REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
There is a hard inquiry in my credit report that I would like to have removed. I didnt authorize for this loan and would like to get this hard I quietly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( Auto Financing Companies ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested a proof of how you managed this.

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 2021-02-16 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: NJ

Complaint narrative:
XXXX XXXX  ( Bank Credit Cards ), Inquiry date : XX/XX/2021 - This inquiry does notbelong to me

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

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