vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have multiple issues regarding Equifax and am filing a complaint to resolve these issues. I have consistently contacted Equifax because I have been unable to access my account at my.equifax.com to receive my required by law credit report. I have also not been able to receive my credit report from annualfreecreditreport.com for my Equifax report. I have no issue receiving my report for the other credit reporting agencies XXXX  and XXXX. In addition, I have escalated this issue many times with many representatives over the past 3 months that have all failed to give me access. I have also faxed in my identity verification information to include my passport, social security card and current bank statement with my current mailing address. At the same time as me faxing my identity verification I sent a dispute for a fraudulent account on my credit file along with my FTC identity theft report asking for this information to be blocked on my credit file within 4 business days pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have a confirmation of the fax being received over 4 business days and yet the dispute has still not been initiated by Equifax. Equifax has consistently violated the Fair Credit Reporting Act and this should not be tolerated. I was also part of the data breach from Equifax and the item on my account that is fraudulent is most likely caused from that breach. I find it odd that the company that I'm filing a dispute with for a fraudulent charge on my credit file is the very same person that caused it and also placed it on my credit file. I also find it criminal that Equifax had the nerve to tell me that they could possible escalate this issue further to help me better if I was a paid Equifax Complete Premier member. So Equifax, the company that had a breach of my information and then placed the fraudulent data on my credit file is now trying to profit financially to help me better in my attempts to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
I received an Escrow Account Disclosure Statement dated XX/XX/XXXX indicating an escrow shortage of {$3900.00}, making my monthly mortgage payment increase from {$1500.00} to {$1900.00}. This is highly unexpected, as my taxes did not increase by {$3900.00}. During multiple calls with the mortgage company ( on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I tried to explain that the shortage is likely due to the fact that the mortgage company made a disbursement in XX/XX/XXXX of {$4800.00} which is the entire tax bill for the year, instead of making quarterly tax disbursements as the mortgage company had done in the past. The mortgage company did not seek my consent to making a yearly payment instead of a quarterly payment. Even after agreeing to go back to making quarterly tax payments, when the mortgage company did a new escrow analysis, they found my escrow shortage to be {$280000.00}, which is still puzzling as my taxes did not go up by that much. The mortgage company is spreading the shortage over 60 months, but still, I do not understand why the shortage is so big. I am afraid the mortgage company is charging me more money than they should be. For reference, my taxes have been {$4900.00} in XXXX, {$4800.00} in XXXX, and {$4700.00} in XXXX. And my escrow shortage has been {$250.00} in XXXX and {$190.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( 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 2019-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/19 I received a call from capital one XXXX XXXX saying that my account was delinquent for {$800.00}. At closer look XXXX XXXX capital one had reversed my last four payments totally {$800.00} to XXXX/XXXX. I have been on the phone with both companies jointly multiple times since XX/XX/19 trying to get the {$800.00} back to my XXXX XXXX capital one card. I have also filed formal payment investigations twice. Both companies blame each other and no one will take ownership for the problem. I am unable to speak with a supervisor at capital one. I was told to write a letter. I am still out the {$800.00}. XXXX bill pay says they have resent it to capital one XXXX XXXX   and capital one denies it and says they have not received it or that my husbands name is on it although they take payments from this account. I have spent more than 8 hours on the phone with both parties and 2.5 months later the issue remains unresolved. If it was {$100.00} I would have given up but not for {$800.00}. I need help and a voice with these two companies who seem not to care. I called once again tonight XX/XX/19 to XXXX capital one and they told me it was a XXXX issue and XXXX sent a letter today saying it is dressbarn capital one 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There is a Best Buy account and a XXXX XXXX account opened under my name that is not mine! I am a victim of identity theft! This is fraud! This same fraudster tried to file a fraudulent tax return under my social security number within the same year! 

BEST BUY/ CBNA Opened : XX/XX/2017 Amount : XXXX XXXX XXXX Bank Opened : XX/XX/2017 Amount : 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 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Granite Creditors Service, Inc.
State: CA

Complaint narrative:
This is a medical company. Sent me horse ointment which was not authorized by XXXX  and I can not return and wants me to pay. This is wrong. This is for the horse not human being please dispute people in the granite credit are rude and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient called my former roommates parents today looking for me. I have not lived with this person in five years and we did not go to the same college together. I never lived at her parents residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
{$2600.00} I do not owe this debt and it does not belong to me. I've contacted credit 3 bureaus regarding this matter and the company listed to report inaccuracies. They continuously post to my credit report without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CA

Complaint narrative:
Early this year in 2019 I disputed with all three of the credit reporting agency about an inaccurate report on a XXXX account. The dispute was pretty much ignored, when I notified them last week ( XX/XX/2019 ) that they ignored the dispute they submitted another dispute. I called XXXX they recognized the error and said " sorry. '' XXXX removed it because they realized they'd all made this mistake, I'm not sure what XXXX is going to do yet because I haven't received their reply yet. However, equifax did and update on the credit report instead of removing it for an inaccuracy being reported on my credit report for more than 30 days even after I attempted to fix earlier. The proper response would have been that they remove the inaccuracy because it reported way past the 30-day mark ( like 8 months ) after my initial notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: VA

Complaint narrative:
In response to my dispute over ONE FALSE ACCOUNT being reported by Equifax, they investigated 19 unrelated accounts in my records THAT I NEVER ASKED THEM TO DO. 
In doing so, they removed accounts that were important since they showed my credit history. I have a 28 year credit history, however because of these unauthorized actions taken by Equifax, they are now claiming my credit history is only 2 YEARS! THEIR UNSOLICITED ACTIONS LOWERED MY CREDIT SCORE. Why would I ask them to " investigate '' and/or remove all these former accounts that were all closed in good standing? I would never request this. So, why did they mess up my records for no reason? They also NEVER ADDRESSED THE ONE ACCOUNT I WAS DISPUTING! I do not appreciate them ignoring my actual request, then opening up 19 unnecessary investigations that served no purpose. My letter to them was VERY CLEAR and it was impossible for them to confuse an investigation of one specific account with all my other past & present accounts. THEY DID NOTHING TO RESOLVE MY DISPUTE. INSTEAD, THEY MESSED UP ALL MY OTHER ACCOUNTS AND CAUSED MY SCORE TO DROP. This is a violation of my FCRA rights. They even wrote on my dispute results that my " dispute was not specific ''! It most certainly was specific. The problem is that they can not distinguish what a basic dispute is or isn't!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
The company closed my account by reprisal of opening a case into the consumer financial protection bureau. The bank dont sent me the bank statement of the account that is required by law. They only write some of my transactions on their response to the case. I need a professional bank statement required by law. If I dont receive the bank statement, CFPB must apply a fine to the bank for not comply the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The Fair Credit Reporting Act is a federal law designed to protect consumers against unfair credit reporting practices and protect credit privacy. The act governs the consumer reporting agencies and those who access consumer credit reports. The general purpose of the Fair Credit Reporting Act is to ensure that these agencies are FAIR, ACCURATE, AND EXHIBIT CONFIDENTIALITY in his or her credit reporting methods. The information being reported on my credit is not ACCURATE in regards to Credit Acceptance, they have committed fraudulent activity based on the contract they sent to me, everything is completely different in comparison to the original contract that i posses, according to the credit bureaus they have to report accurate information and if not they must remove the item from my credit reports, i would like CFPB to verify my original contract in comparison to the made up contract they have, and once it proves invalid request this item to be removed from my credit.

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 2019-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase Auto Financing on XX/XX/2019, and requested a payment deferment ( which they call a payment extension ) of my XXXX payment. I asked about the deferment the month before and was given instructions on what to do and I was told month nine was the month I could request a deferment. When I called to request the deferment, I was told that I did not have to give a reason for why I wanted to obtain a deferment, but soon after that statement, I was immediately asked afterward what was the reason I wanted the deferment. Why say this and then ask anyway. I stated that I needed it for an emergency financial difficulty I was experiencing and that I also wanted time to refinance the car. I was immediately denied and told by XXXX, the rep and by XXXX the supervisor- ( XXXX ) I did not meet their qualifications. I asked what the qualifications were and I was told by the agent and a supervisor I spoke to that they could not tell me what the qualifications were. I asked why they were hiding the qualifications and not providing the customer with an explaination and was told again that they were denying my request and did not have to give me a reason. 
I received a letter from them dated XX/XX/2019, stating they reviewed my request for a payment extension, but unfortunately can not approve it because my inability to make full payments has not been demonstrated and no consumer credit report was used in evaluating my request. I have no idea what they are speaking of because I have paid every payment in full. I paid the last 2 or 3 payments late, but not over 30 days late, due to my emergency financial situation. I was trying to get back on track, which is why I asked for a payment deferment.

I have had many cars in my lifetime and I have been offered payment deferments without requesting one from several finance companies, without there being and emergency. They always let me know it was there if I ever needed it, even though I had not requested it. This situation does not sit well with me and I want to know why I was denied and what the qualifications are, because the reason they gave couldnt be further from the truth. I have also enclosed the letter that was mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-17 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WI

Complaint narrative:
My loan was transferred to company.

Company issued two insurance escrow payments to incorrect address. I paid the insurance premiums myself for past two years and provided proof of payment.

Company support team members unable to offer assistance keep transferring me and providing no help. Opened 3 support tickets on website that the company closed with providing no help. I sent them proof of payment and requested this year to not send payment to insurance company. Still sent payment to wrong address/lost payment. 

XX/XX/XXXX {$580.00} insurance escrow mailed to unknown location XX/XX/XXXX {$540.00} insurance escrow mailed to unknown location Company transferred my mortgage to another lender providing no support. 

XXXX shows numerous complaints about company improperly managing escrow payments. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have let Kohls know of my charge was incorrect they were supposed to close mine and send a new one they never did. They also put it in dispute back and forth and tried to put on all these late charges and never took care of the dispute 2 of the disputes one for XXXX and XXXX were never taken off and while on dispute they charged me a higher late fee of XXXX. They have me still owing XXXX which is not correct.I have contacted XXXX XXXX which in return she sent it to a XXXX who called and was very rude almost threatening me. Please look into this as they have not helped me.

Company response to consumer: Closed with monetary relief