vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX 's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by experian that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, XXXX number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used experian. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used experian. I called XXXX 's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which experian had recommended ) and they had used experian. I called experian for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or Experian to look into this and help the consumer ( me ) .I understand XXXX 's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both Experian and XXXX , s.

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 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One at XXXX XXXX XXXX, XXXX, NC XXXX-XXXX  issued me a Spark Business card. Capital One emailed copies of several months of my credit card statements to a woman in Minnesota that I don't know. She contacted me to tell me that she had all of my credit card statement, my vendors information and my personal information. I contacted Capital One and cancelled the card. This breach of my account and my personal information was no big deal for them. They were apathetic about it. My business had to change all of our automatic payments with all of our vendors. I have no idea where else Capital One may have sent my information. They should be accountable for exposing me and my business to identity theft. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I tried purchasing tickets for a football game. Communicated with the seller, or supposed to be seller. They asked to send transfer the funds for the tickets and they would then transfer the tickets. Gave me their email address for a XXXX transfer. Funds, {$700.00} were sent but the seller never sent the tickets and stopped communicating with us. I attempted several times to get them to send the tickets. Called Chase and filed a fraud claim. Even tried requesting the funds back from the email address thru XXXX but no luck. Chase gave me a temporary credit for the funds and then took them back out of my account. I was scammed and would like Chase to credit me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than 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 2019-01-25 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: CA

Complaint narrative:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: CA

Complaint narrative:
XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than 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 2019-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/21 the 1st transaction was posted to my Bank of America account for XXXX dollars from XXXX ( returned ). Then 2 more transactions were posted to my account for approximately 115000 more dollars and another transaction to XXXX XXXX ( returned ). None these transactions were initiated by me. After two months of investigation by the bank they tell me they will not be persuing this and I need to take matters into my own hands. And I was given a name of a company XXXX XXXX and a cell phone number. Please help out this is my parents account and my father is on XXXX XXXX after having a XXXX and I didn't do anything wrong except put my money in their bank. I was told i need to monitor my account every day. Since I didn't it is all my fault. I have paper statements that are sent out and as soon as the statement came for XXXX i opened it and reported it in a timely manner. According to the statement i have 30 days. Please help

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 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX ran my credit without my permission

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
account was sold to a collection company and they have triple the amount of the collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: WI

Complaint narrative:
I have no idea who this United Check Recovery Bureau based in XXXX XXXX, New York is. they are robocalling mobile numbers looking for me. I do not owe this company and they are harassing relatives. They called a mobile number on XX/XX/2019. I have not received any mail nor do I have any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I recently checked my credit report and notice a account and balance that I know nothing about. I placed a dispute with the company asking for debt validation and they sent a letter stating the start date of the account, a last payment on the account, and and delinquent day for the account along with an email address thats not mine ... .. I thought debt validation is showing the original account contract with a signature not some random email address and some dates for the service account ... .. its unfair to pin a debt on a person credit report without factual proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. 

I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. 
I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. 
I recently lost my job and they told me i had no options and nothing they could do for me. 
Even though i make payments i get harassing calls all day long, and letters. 

I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: DISCOVER BANK
State: OH

Complaint narrative:
I opened a credit card with XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, XXXX XXXX and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: OH

Complaint narrative:
To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 demand original paperwork, contract or bills of sale something, the account are not accurate on my file

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 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I recently started the 3 payment trial period with my mortgage servicer Select Port Folio XXXX. My 1st payment was sent to them XXXX. I have received a property foreclosure notice for XXXX. I'm paying the mortgage payment, how am I receiving a foreclosure notice with a sale date for my home. Also please contact foreclosure attorney XXXX XXXX TN, XXXX to cancel foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
My Mortgage was initially held by XXXX  XXXX  then sold to XXXX  XXXX  and then to XXXX XXXX  and then to XXXX XXXX. I was never informed my loan had been sold from XXXX to XXXX and kept paying XXXX XXXX  who collected the money. In XX/XX/XXXX I received a certified letter from XXXX saying I was in default and immediately paid three payments but they had already sold my mortgage to Bayview. I have paid the mortgage each month but Bayview states that I have not paid for XX/XX/XXXX. When I first called Bayview they said I owed XXXX dollars and then I was current. I paid the amount at that time. Now they are saying I am late for a payment even though I provided documentation that I had paid every month. XXXX reimbursed some payments but did not return all the payments I had paid them. Bayview says XXXX did not pay them the correct amount. I requested a transcript of calls with Bayview which they have not produced, I have also requested an answer to the documentation sent to them showing the payments I have made to all these companies and have received no written response. I am speaking to their escalation department again requesting and they are now saying that I requested a transfer from my escrow account which I have not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. 

When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. 

This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all  fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). 

Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. 

I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! 

Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request that I sent to XXXX and Trans Union on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.

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 2019-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
I leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in  Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request that I sent to Equifax and XXXX XXXX on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.

Company response to consumer: Closed with explanation