vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I just recently recieved the results for a collection item ( XXXX XXXX XXXX ) on my credit report that does not beling to me. I've reached out to this company several times by mail and I've disputed this item regularly with Equifax credit bureau. Equifax still has not removed this item from my credit report. I mailed in a packet of documents proving to Equifax that the collections account with XXXX XXXX does not belong to me. Equifax sent me am email stating that they received my supporting documents on XX/XX/XXXX. Then Equifax somehow completed the investigation in 10 days after on XX/XX/XXXX. This was not sufficient time for them to review the documents because if they did they would have removed the account. I sent supporting documents showing that XXXX & XXXX have removed the XXXX XXXX accounts several months ago. Also XXXX has yet to produce a contract or any proof that the account is in fact mine. 
Today on XX/XX/XXXX I called Equifax at XXXX and a customer service agent with Eauifax claimed that he couldn't verify my account when I have a confirmation number from Equifax and none of my personal information has not changed. I spoke with the customer service agent 's supervisor named XXXX and he was able to verify my account. Although, the supervisor was helpful and clear about the dispute process. He was guarded and withholding actual details about my account and supoorting documentation proof that i mailed into Equifax. Please reach out to them and make sure they follow suite with XXXX & XXXX to Delete XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo foreclosed on my property. Did they foreclose because this lien was not properly released?

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Beyond the last few months I had a perfect payment history and take paying my bills seriously. I recently lost my job and was going through severe financial hardship even losing a place to live so I have not had the money to pay my card with Capital One. I spoke with multiple representitives pleading for any other options or things they could do to not put negative remarks on my credit or work with me and was told they could not do anything whatsoever about late payments. This has resulted in my credit dropping over 50 points and has destroyed my ability to get any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2019 I transferred my savings account into a money market account paying 1.88 % the account has about {$70000.00} in it. I did not get interest for XX/XX/2019 nor XX/XX/2019 I went back to a local branch of PNC on the XXXX of XXXX and spoke with a customer rep whom stated she would submit the required paperwork to get the interest owed me. as of today XX/XX/2019 i have not gotten the interest my money market account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX-I contacted Capital One bank regarding fraudulent charges from my checking account. I live in Maryland and someone had stolen my credit card number and had created a new card in California. They helped themselves to my checking account over the course of three years totaling over {$24000.00} in fraudulent charges. These purchases were made at the same 3-4 gas station three times a week in XXXX, CA, XXXX, CA, XXXX CA, and XXXX, CA. The amounts were ranging from $ XXXX {$74.00} per transaction. I contacted Capital One and disputed the charges.The agent XXXX, was able to pull my account and informed me that someone had created a new card with a different number that was linked to my account. Because there were so many transactions they referred me to their fraud department. I submitted 10 different claims with them totaling 440 transactions from my account. 

XX/XX/XXXX, XXXX I received 10 different letters from Capital one denying my claims stating " We finished looking into your claim and didn't find that any error had happened. '' I called Capital One back and requested to speak with the investigator. He then proceeded to tell me that back in XX/XX/XXXX I was issued a temporary card, and that the temporary card was what was used to make the fraudulent charges. In his explanation I was to be held responsible for the charges because the temporary card was issued to me. I explained to him that I live in Maryland and have not traveled to California, nor do I have any family members/friends that are in California. These charges were not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX  back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX  and Transunion still will not remove this incorrect 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 2019-04-09 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: FL

Complaint narrative:
I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and Experian and XXXX  still will not remove this incorrect 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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting a collection account for Child Support Enforcement account number XXXX This is over 7 years old in fact it's over 10 years old.

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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: NV

Complaint narrative:
Received a call from Phone # XXXX, Caller ID XXXX XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX at my business. Did not recognize #, sent to voicemail. Left the following message : " XXXX. If you are ... .. ( unintelligible, muffled inserted voice ), please continue to listen to this message. There will now be a 3 second pause in the message to allow you to disconnect the call. By continuing to listen to this message you acknowledge that you are ... .. You should not listen to this message where other people can hear you as it contains private to personal information. There will now be a 3 second pause to allow you to listen to this message in private. Please do not hang up. This is ACEI calling regarding a personal business matter ACEI is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please press 1 now to speak with a customer service representative. Alternatively, you can contact our office at XXXX or XXXX. You may also go to " resolvemyaccount.com forward slash ACEI for assistance. '' End of message. 

I DO NOT OWE ANYONE, ANY MONEY. This caller is a harasser trying to obtain my private information. An internet search on XXXX XXXX  XXXX showed that this company has been harassing people since XXXX and they continue to do so in XXXX. Why can't the authorities stop these thugs from taking away my productive hours from operating my business? I am also going to post this on 800 notes.com for others to see.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I purchased a new home at on XX/XX/2019 and originated a new mortgage in the amount of {$450000.00} at that time with XXXX XXXX XXXX As is required, I paid a mortgage recording fee at the time of origination of my loan to the city. About a month later, the mortgage servicing rights for that loan was sold to XXXX and subsequently, effective XX/XX/2019, to Carrington Mortgage Services , LLC . The first piece of paper I received from Carrington Mortgage Services , LLC, arrived on XX/XX/2019, and with it a recording fine of {$40.00} listed under " XXXX recording fee. '' I subsequently contacted the company on XX/XX/XXXX and XXXX to understand what the fee was for and at first was told that it was a fee charged to homes in foreclosure ( which mine is not ) and then told that the " best guess '' is that it is the mortgage recording fee paid to the local authorities at the time of origination of a new mortgage ( which mine is not ). I have received absolutely no remedy from the company, except requests to make my request in writing, which I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
i have tired calling and sending all my collection debts about the college i went to had closed due to fraud and i was in that mess. i sent pdf flies of eveything about the closure of XXXX college and also sent them about me and my credit report and see how i can not afford it and how XXXX lied to me about me being about to have a lifetime job source through them and everything else that happen in the fraud case against them. they call me monthly asking if i can paid my full debt to them and i cant i have stated to them that i been also going through it with u.s. department of education cause they took my taxs i have private and fed loans behind a degree that is not credited for ..i cant even use it to get a job ... i cant use it to even go to another college and higher my education if i wanted to ... how unfair is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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:
four accounts are reporting on Equifax fraudulently, these accounts do not belong to me, and per FCRA laws these if the accounts are fraudulent it should not stay on someone elses profile, but these are and it has made my life very much unbearable and stressful.

please i need these inaccuracies to be deleted or removed from my equifax credit file, m they have not been friendly nor have been helpful.

i think they have a glitch or something, their system is not working well and very much stressful. i have already provided my police report and FTC report to them but no use., somehow i researched and i am writing this complaint regarding them. i will be attaching my paper work and the accounts names and numbers shown on the FTC report. will be letting you know which one i have complaint about.

appreciate your help and understanding.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
On XX/XX/2019 I received a Notice of Servicing Transfer from my current loan servicer, XXXX XXXX XXXX XXXX LoanCare , LLC. The notice said the loan servicing was being transferred from XXXX XXXX XXXX c/o LoanCare , LLC to XXXX XXXX XXXX XXXX LoanCare , LLC. This did not make sense, but I assumed it was an internal restructuring and that my loan would not be affected. 

On XX/XX/2019, I received an email notification that my mortgage payment had been received. This notice came from XXXX. I've never heard of this company. Their website indicates they are XXXX XXXX XXXX XXXX XXXX and that they are a loan servicing company. 

On XX/XX/2019 I called LoanCare to inquire. LoanCare maintains they are my loan servicer.

12 USC Section 2605 ( b ) requires a prior notice of a transfer of loan servicing. To the extent my loan has been transferred, I have not received the required notice. This is a violation of federal law. 

More importantly, I'm not sure that my loan, financial information, and banking information is secure. I've had problems with LoanCare previously in that they are reckless with the release of my financial information and do not take securing financial information seriously. I now fear they have released my financial information and allowed some third party to access my account. 

What is clear is LoanCare did not give notice as required by law, that XXXX withdrew money from my account without my consent or knowledge, and that some confusion remains between LoanCare and XXXX as to which of these entities is the loan servicer. 

Will you take some action?

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 2019-04-09 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: NY

Complaint narrative:
Fraudulent account being reported by collection agency XXXX XXXX. This account was reported as fraudulent from original creditor sprint years ago and removed from credit file is now being reported from a collection agency on my Experian credit 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 2019-04-09 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: AL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian and XXXX  both refused to freeze my credit. I complained to consumer financial protection bureau, they sent a complaint to the agencies for me. They said that there would be a response in about 8 days. Now they ( cfpb ) ( you ) have emailed me that the response will be 60 days. That's too long, The law says that these bureaus must freeze credit when asked, especially after recent security breeches. Now i wonder about the cfpb. Will you please send my complaint to XXXX and experian ( XXXX XXXX actually froze my credit, but the others refused to do so ). 

My email is XXXX 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 2019-04-09 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: OR

Complaint narrative:
I was never late, I have talked to XXXX XXXX representative and told her that I made the payment but XXXX XXXX system DIDNT process the payment, it was not my fault, but Their fault. 
I talked to an individual at your company and they acknowledged the error and I was told it will NOT show on my credit report. I have paid my entire balance.

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 2019-04-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
All I wanted to do is confirm that I still have a credit freeze with Experian. 
XXXX & XXXX did this in three minutes or less. 

I spent more than 45 minutes trying to confirm my credit freeze but the two people I spoke with said I answered the questions wrong. Apparently, Experian has the WRONG INFORMATION as the other agencies asked the same questions. XXXX Emp # XXXX said I answered the questions wrong about my credit card payments. I had the statements in front of me and was reading them to her. She said the information I gave was wrong even though it is directly from the statements. 

I would like my information to be correct and I want to conform I still have a credit freeze. 

Experian will not allow me to have any of my information because the questions they asked, they said I answered them wrong. Yet, the answers came directly from the credit card statements. 

They will not allow me to sign in online or give me any information period. 

Please confirm that I still have a credit freeze and let me sign into my account as the other agencies do. 

Best regards, XXXX 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 non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
There was a XXXX bill with my name on it even though I do not believe the bill is mine I disputed it with all three credit bureaus and XXXX  took it off but the other two credit bureaus left it on there even after it came out of dispute I called and asked waypoint XXXX XXXX to remove it and they wanted me to pay the bill anyway even tho it was removed from XXXX..I also said if theres a way for them to remove it or send me a letter stating theyll remove it if I paid it just so I can get it off my report and the young lady I spoke with hung up on me and I still have it on my record..and with it being on there its hurting my score making it difficult to obtain mortgage financing the bill is only {$84.00} and I would like to get it removed ASAP so I can get mortgage financing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation