vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
i received a notice from XXXX  about a collection on my credit from security credit services llc! i have never entered a contract with them, they were rude and threatened to sue I've disputed the item with all three bureaus. then mysteriously i received a letter from yet ANOTHER COLLECTION COMPANY thats collecting for them, XXXX  trying to collect this debt and offering a lesser payout! I have never done business with them either and they too have been extra aggressive i feel my rights are being violated! The Fair Debt Collection Practices Act prohibiting debt collectors from " using any false, deceptive or misleading representation in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan with XXXX XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr CoopeXXXX, keep faxing for BALANCE REDUCTION LOAN MODIFICATION and keep saying that was approved, YES for REGULAR MODIFICATION NOT BALANCE REDUCTION SEE LETTER was transferred and MR COOPER still doenst want to reduce balance and keeps saying approved but was not BALANCE REDUCTION! Need to send to state and federal authorities at least make them aware since have proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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:
Experian online dispute website will not let me dispute items on my 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 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. 

However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report not updated. This is not my owed debt and it has caused me to be denied credit. My last attempt was a dispute sent from myself on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On or about XX/XX/2019 I mailed a request to Equifax to put a freeze on my mom 's account. My mom has XXXX XXXX XXXX, and I am her financial power of attorney. 

Per Equifax 's website, I submitted their form Incapacitated Adult Freeze Request Form, as well as a copy of my driver 's license, the POA for mom, her birth certificate, and her social security card, and a letter with my request. I used the address designated on their form ( XXXX XXXX, XXXX, GA XXXX ). I received the postcard confirming their receipt of the documents on XX/XX/XXXX, signed by XXXX XXXX. 

On XX/XX/2019, at approximately XXXX XXXX, I called Equifax to find out the status of the request. I spoke to XXXX who couldn't find the documents in her system. She told me I needed to resend them, that I had used the wrong address. I disputed this, given the postcard. She transferred me to her supervisor, XXXX, who also checked and did not find the forms and suggested I'd sent illegible forms. She said she'd escalate the issue because I was concerned about possible breach of my and my mother 's personally identifiable information. She also said she'd forward my concerns to the Mailing Department so they could handle it. I asked what happens next. She said she'd forward the information for proper handling. I asked for a point of contact to follow up because at this point documents with our PII were missing and I didn't have the credit freeze in place. She said I'd need to talk to her supervisor. She transferred me to XXXX in Consumer Affairs. XXXX sent me a secure link so that I could upload the documents and she could process the freeze. She did this, I uploaded them, and received the freeze notice in the mail dated XX/XX/2019. XXXX also said she'd send my concerns regarding the lost documents and potential breach of our PII to her immediate manager, who would give me a call and let me know what Equifax would do about our lost documents. Our call concluded at approximately XXXX XXXX. It is now XX/XX/XXXX. I have not received a call back from XXXX 's immediate manager. 

Throughout the call on XX/XX/XXXX, XXXX was the only Equifax representative I spoke with who displayed any level of concern that an Equifax employee, XXXX XXXX, acknowledged receipt of my and my mom 's documents with PII but then did not upload them to the system. The casual attitude and lack of responsibility Equifax displayed that day, and through its lack of follow up since, regarding this loss of our information, once it was on their XXXX site, is extremely troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: OH

Complaint narrative:
I own a small business. I have an Electric Bill. This electric bill is collected by Ohio XXXX, but part of that bill is paid to XXXX as an energy provider. Ohio XXXX handles that part of it, I only pay Ohio XXXX. So I receive a phone call from Hunter-Warfield regarding an attempt to collect a debt. The message I receive is to call them back?? In order to stop these harassing phone calls during my business hours, I attempt to call Hunter-Warfield about this debt? They tell me that I have an outstanding balance from XX/XX/2015? 4 years ago?? And the debt is being collected for XXXX XXXX. Not once have I ever written a check or paid a utility serviced called XXXX! I have always paid Ohio XXXX, and I would assume Ohio XXXX then pays XXXX. Anyway .... not my problem, however it is my problem now because I have to stop what I'm doing in the middle of a business transaction, in the middle of talking to a customer, in the middle of any day to day operation to answer their harassing phone calls every day!! I should not have to put up with this!!! I asked them to send me proof of once, just one time, that my business paid XXXX XXXX. They couldn't. They cant provide a cancelled check or a past due bill. I believe it is a scam and I want their harassing phone calls to stop!!!! BTW ... Not one time has XXXX contacted me by phone or mail about this so called missed payment back in XX/XX/2015. Hmmm??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 
2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. 

To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. 

**Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPEDXXXX   and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I originally submitted a CFPB complaint on XX/XX/2019 against XXXX XXXX XXXX., a  company that I am not familiar with after checking all three of my credit reports. I check my Equifax credit report on a recurring basis and it appears that in XX/XX/XXXX/XX/XX/2019, XXXX XXXX XXXX. added an erroneous, negative collection account against me. This company responded to my CFPB complaint by sending a letter postmarked XX/XX/2019 stating " Our offices are in receipt of your request for verification. Enclosed is a copy of the billing statement provided by our client to confirm the charges. '' The enclosed bill that XXXX XXXX XXXX. sent to me is an Itemized Statement of Charges for XXXX XXXX. XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. This is a blatant HIPAA violation! 

Furthermore I spoke with an Equifax representative today ( XX/XX/2019 ) and he stated that Equifax actually updated this erroneous negative collection account as VERIFIED AND ACCURATE on XX/XX/2019, several days after XXXX XXXX XXXX. sent someone else 's bill. It appears that this is the information that Equifax based its ' verification on, given the fact that Equifax updated the report days after this letter was received. 

Equifax is not actually investigating the validity of accounts that are being added to a consumer 's report. How is it possible for this company to send inaccurate documents to Equifax that do not contain my personal information, and Equifax returned it as Verified? 

I would like for Equifax to hold this company XXXX XXXX XXXX. accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because Equifax didnt actually properly verify that this debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the 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 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I made a purchase on XXXX for an XXXX XXXX of {$400.00} and XXXX as a company is connected to XXXX for payment. I initially paid {$420.00} with the additional {$15.00} fee for using XXXX as a service. This was done on XX/XX/XXXX, however on XX/XX/XXXX I received an email stating that I was going to be refunded the {$400.00} dollars from the seller XXXX XXXX around XX/XX/2019, but on that day I only received the {$15.00} dollars back from using the XXXX service. In order to remedy the fact that I was not receiving a phone from the initial buy, I proceed to buy another phone for {$380.00} and received it on XX/XX/XXXX. In attempts to call XXXX, the number I found as the customer service number was XXXX which ended up being a scam and they said to refund the money I would have to buy XXXX XXXX cards. First, they said that I would simply need {$100.00} for international hackers, so I brought two XXXX play cards both worth {$20.00}. Then they ask that I buy 3 cards worth {$100.00}. While I read the pin on the back of the XXXX XXXX XXXX the representative on the other line would type the numbers/letters into a computer system. Next, they told me to buy one {$500.00} card for security measures of my account and to combat the last glitch for my refund. Then after I read the pin number on the back of the XXXX XXXX XXXX the phone was disconnected and I was no longer able to make any calls. I found my girlfriend and ask to use her phone and the representative explained that since the phone cut off the money would stay in the server. The phone number was XXXX and again he explained to me and my girlfriend that if one more {$500.00} XXXX XXXX XXXX, I would receive {$1400.00} back. Out of frustration, I proceed to buy the last card of {$500.00} using the money out of my savings and once I read the last pin for the XXXX XXXX I was transferred to the refund department where they asked me to provide my billing address. Then again the representative of the refund department ask that I would by another {$500.00} card to complete the refund. After this, I hung the phone and research the number to find out that it was not the customer service number for XXXX and it was already reported for fraudulent activity. At this point in time, I have lost {$1400.00} dollars due to this situation and the money came out of my savings. XXXX directed me to file a complaint to XXXX ; however, previous to this I did not have a XXXX account and it was not required to purchase the phone. On XX/XX/XXXX XXXX refunded me for the original {$400.00} that was lost, but Im still waiting to resolve the {$1400.00} lost through the XXXX XXXX XXXX. I contacted XXXX on the situation and I was told they have opened an investigation on 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
Consumer complaint received 2019-04-05 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: NY

Complaint narrative:
Im having a problem submitting disputes through Transunion online site.

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 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX ( address unknown ) were negligent or fraudulent in issuing a credit card under my name. I found out about the fraud when onXXXX of my credit cards notified me that my credit score had precipitously worsened. More than {$5000.00} had been charged in my name, and payments were not being made on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I first received a written notice from Credit Corp Solutions in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Lakeview Loan Servicing company prepared an escrow analysis in XX/XX/XXXX. Their analysis was faulty, and resulted in them issuing me a refund check for overpayment while simultaneously raising my required monthly payment due to an " escrow shortage ''. I contacted them by phone, and email with the information that they did not use the correct property tax information ( my property taxes for XXXX are significantly lower than for XXXX ). I also asked for an explanation why I was not offered the option of updating the escrow balance rather than being forced to make a higher monthly payment. This contact occurred on XX/XX/XXXX, and I was told I would hear back within 15 days at the longest ( attached document from XXXX XXXX was included to verify tax amounts ). The only contact I have received from Lakeview Loan Servicing was a solicitation to refinance my loan from an " affiliated party '' which I had not asked for, or authorized. I followed up with more email requests on XXXX XXXX, and again on XX/XX/XXXX, but never received any reply. Today, I received email notification that escrow disbursed funds for my property taxes in the amount I stated was due when I alerted them to their faulty escrow analysis, but still have no acknowledgment that they are collecting too much for my escrow, nor any other reply to my inquiry. I have made it clear I wish for my payment to go back to the prior, lower amount, but can not get any answer. In the past, when escrow analysis revealed a possible shortage, I was offered the option to correct this with a single payment rather than requiring a higher recurring monthly payment which presents a hardship. I simply want Lakeview to acknowledge the math, and their mistake so that I can get back to the monthly payment required per the Note on my loan. At this point, they again have excess funds in escrow, and yet refuse to respond, or lower my monthly payment accordingly which is unacceptable.

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