vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 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: VA

Complaint narrative:
Attempts to establish an online account with Equifax for the purpose of obtaining my credit report and managing the freeze on access to my credit file have failed because Equifax claims my actual date of birth conflicts with the date of birth provided by a creditor ( which they refuse to identify ). My credit file has been in existence since the 1970s. I have no control over typos that may have been committed by someone employed by one of my creditors or by someone at Equifax. Interestingly, Equifax accepts inaccurate data provided about me by creditors but refuses to accept data about me directly from me DESPITE having verified my identity sufficiently to take other actions regarding my credit file at my request. When my wife and I finally got transferred from an XXXX call center to a U.S. ( allegedly ) Equifax supervisor on the phone, she casually hung up on us mid-sentence. Of course, Equifax staff is at liberty to treat consumers with disrespect and contempt as we have no way to opt out of this system. We contacted Equifax via XXXX XXXX, and were told to expect a call from someone within 48 hours. I guess we're supposed to sit by the phone for the next two days? Additionally, it appears that some creditors have misspelled our surname when reporting to Equifax regarding my wife, so she has several aliases that were invented and submitted by creditors on her credit report which she is also unable to have corrected without mailing sensitive personal data to these XXXX. This is absurd! Equifax should have been forced out of business after the data breach. Instead, they have been permitted to capitalize on their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I XXXX XXXX XXXX XXXX XXXX XXXX playing baseball. I went to XXXX hospital XXXX XXXX. So I went and this was this first time I used my medical insurance and XXXX XXXX XXXXXXXX. So after healing they did not send me any medical bills. The hospital had my number and my work number. I thought my insurance covered everything and I didnt find out until I checked my credit report and that they sent me to collections. That was after 9 months. I dont think its fair because if I knew I had a bill I would of been paying it. I owe XXXX. I called them and tried to tell them if I can dispute it but they said no. They also said they need there money. I told them the same story of what I am telling you and they said they dont care. 

Heres the accounts Progressive management systems ( XXXX XXXX XXXX Accounts XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NC

Complaint narrative:
I sent a letter to LexisNexis on XX/XX/2019, to place a security freeze on my LexisNexis consumer report but they replied : Unfortunately, we were unable to process your request, as we were unable to authenticate you with the information provided. 
The letter I sent this company had a copy of my current updated Identification card and Social Security card along with other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MO

Complaint narrative:
Received a call at XXXX Central time XX/XX/2020 Received a call at XXXX Central time XX/XX/2020 On both calls a voice mail message was left. 

On both messages the full mini miranda was not stated. 
Weltman, Weinberg & Reis Co

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XX/XX/2019 I purchased two tickets from XXXX  against {$200.00} offered on the statemen on credit card # XXXX. Also, purchased the insurance coverage from XXXX XXXX in the amount of {$100.00}. XXXX They debited all the charges from my previous credit card # XXXX When I received the statement of the new cc applied XXXX from XXXX no credit of {$200.00} was applied. Enclosed the similar promotion was offered. I Contacted them, spoke to several employees, in some cases they hanged my call and have no intention to resolve my problem. Finally, one employee told me to dispute the {$200.00} later they sent me the denial letter by mail of the {$200.00}. At the same time, I placed a claim for the lost of my old gold weeding rings in the amount {$850.00} at the XXXX airport. 
After more than 3 months, XXXX is telling me still in process the claim. I provided all the pertaining documents, 8 pages and still waiting from 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 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I have been paying every two weeks on my mortgage - In essence I am double paying 2 times a month the same amount {$1400.00} which is my understanding what is due monthly. On all payments, I mark excess to principal and spoke to the mortgage company multiple times to ensure that I was set up on bi-weekly payments. 

The still continue to hold one of my payments and do not apply payments but 1 time each month. 

The show me paying a total of {$26000.00} to them in XXXX when I actually paid {$36000.00}. 

The principal for my loan is {$1100.00} and escrow is {$960.00} ( {$2300.00} overpaid ). I have been making double payments for 5 years now and they continue to show me late and charge me late fees when I pay XXXX  monthly for 60+ months. The principal balance on my loan is {$220000.00} ( 18 years later ) - the original amount loaned was only $ XXXX in XX/XX/XXXX. 

In addition, they told me they modified my loan to lower my payment but just noticed that they extended my payments to XXXX ( originally XXXX ) without my knowledge nor consent. 

I asked an attorney to write letters asking for documents and explanation and still have not received any responses. 

My balance is no where close to what the amortization should be for a loan that I have been paying on for now 18 years. 

They are applying way too much to escrow, not paying my additional principal amount but suspending amounts, charge late fees, extending my payoff date and not responding to issues and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XX/XX/20 Jefferson Capitol Systems LLC send some fake wan na be attorney on my property, he did have no badge did not identify who he was, and served me some fake summons court papers, threating to sue me for old credit card debt they purchased from XXXX. The old debt was charged off. The debt is beyond the status limitation but they are breaking the law and still trying to sue me. It's beyond the status limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have no knowledge of this debt

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: NY

Complaint narrative:
These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or consent.

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 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This company MBA LAW also known The Law Offices of Mitchell D. Bluhm & Associates Called me with treats and curse words and when I ask them about debt that they were implying about.I asked them to mail out to me so that I can verify it.They said that they would mail it out and they never did.They called back from a different number cursing and treating me once again then told me that they can email it to me.All I said is that I am not aware of this debt and that I needed more information .I gave them my email address and they said that they would email it to me.they never did .Today XX/XX/2020 was the first time it was emailed after they cursed and said derogatory things constantly to me and the email that they sent needs a password to open up .How does a company get the right to harass and torment people like that .I was even told No that they are not emailing me anymore because they sent it already.They never sent it until today. They are rude nasty and down right despicable to people .and I still do not even know what the bill is .I have XXXX, and I am afraid to answer my phone because they call from different numbers all the time treating me cursing and teasing me of my accent, RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. 

RIGHT TO VERIFY THE DEBT : A debt collector verifies the debt by giving you enough information about the debt so that you can tell whether you actually owe it. The type of information that must be provided changes depending on your specific circumstances. 

In most cases, verification should include, at minimum : the amount of the debt, the date of the debt, and the name and contact information of the original creditor. 
If you contest the debt on grounds of identity theft or mistaken identity, verification should include a copy of the original signed contract or note. 
If you contest the amount of the debt, verification should include information about payments made, and interest and fees charged and/or waived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: NY

Complaint narrative:
These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or consent.

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 2020-01-20 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased a vehicle with Hyundai XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to Hyundai sending a retired employee that was no longer employed by Hyundai. I uploaded the proof with XXXX on XX/XX/2020 from Hyundais mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I set up a Venmo account for my sick father. I used my email and my phone number. My father passed away years ago and someone sent me money on that number by mistake. They wont give me money even though I own both phone number and email and I have given them everything they asked for including phone bills, several months ago to close close acct and get my money. they say they cant read death certificate which I have sent twice from ups and it shows fine. They wont respond and I want my money. They wont let me mail it to them so I dont know what to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Tried to dispute this with Equifax, can not access my account. I can not reach a live person when I call. A late payment is reporting for a card that I had paid off and was continuing to be charged for. I was later refunded the charges by the creditor, but it is still showing up as a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.

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 2020-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Multiple Compromised acccounts

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 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, BBVA mistakenly used a third party to remove my vehicle from my home. My security cameras were the only key to finding the perpetrators. To my surprise, a bank, BBVA, whom I never conducted any business with, was the culprit. I immediately acted : proved ownership, involved law enforcement, and reported my car as stolen. This was clearly a mistake by your internal office. Unfortunately, BBVA still refused to release my car for 14 days ( and counting ). Even the local police department called demanding the release of the vehicle. We were told to, just wait the process by several entry level employees. On top of not having my car, I was ignored and promised calls from managers which never happened. It took 14 days of relentless efforts on my part, before BBVA finally acknowledged they made a mistake and agreed to release my vehicle. 
BBVAs negligence, slow process, and poor customer care has inconvenienced my family greatly. All of this is to no fault of my own. Can you imagine coming home after working a 16-hour shift, to your car being towed away by a bank that you never had any loan, contracts, or dealings with? My car was basically stolen outside my home, and BBVA hasnt made any attempt to correct the situation properly. Instead, Ive had to deal with rude and uncaring managers that refused to address the situation in a timely manner. Before I accept my vehicle, I am trusting BBVA will do the right thing, take ownership, and quickly rectify the situation by compensating my family accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
PHH Mortgage is reporting my mortgage payment as being late XX/XX/XXXX on XXXX 's report XXXX when there monthly mortgage statements does not reflect the same. XX/XX/XXXX report from XXXX 's report reflects 120 days late payment when I have monthly mortgage payments through XX/XX/XXXX. On XXXX XX/XX/XXXX, I forwarded PHH Mortgage a cashiers check for {$8600.00} for final payment of home after they refused to honor my request for Final Payment in XXXX & XX/XX/XXXX. This company is intentionally trying to destroy my credit by stating I am 120 days late in mortgage payments. PHH took over from Owens Mortgage XXXX XXXX while I was in Chapter XXXX proceeding which finalized XXXX XX/XX/XXXX and mortgage payments where up to date. If I could attached all monthly mortgage statements from month PHH Mortgage company took over, you will not find any LATE PAYMENT or PAST UNPAID AMOUNT from XX/XX/XXXX until XX/XX/XXXX in which payments are paid thru. This company is involved in unfavorable accounting procedure 's and destroying one personal credit. I recently had CFPB intervened on my behave XX/XX/XXXX to get final mortgage payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
I leased a vehicle with XXXX XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to XXXX sending a retired employee that was no longer employed by XXXX. I uploaded the proof with experian on XX/XX/2020 from XXXX mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.

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 2020-01-20 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: GA

Complaint narrative:
I have made several attempts to dispute with Experian, XXXX, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

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