vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
In XXXX an overpayment was made to my escrow account with Loancare in excess of {$2000.00}. A check was mailed out as reimbursement, however I did not receive that check and was only made aware of it when I was notified by Loancare that we had not cashed the check. The noticed indicated that I should contact a XXXX XXXX to have the check reissued, however I have never been able to get in touch with her. My mortgage was then sold to XXXX XXXX in XXXX, making it even more difficult for me to contact anyone regarding the overpayment of my escrow with Loancare. 

This battle has been going on for years. I contact customer service, customer service tells me to email customersupport@myloancare.com with the subject of Attn XXXX XXXX, I get assigned a ticket number, and all communication stops. Over and over and over again. 

The most recent communication I have from them dates back to XX/XX/XXXX when I initiated another claim. I was assigned a ticket number on XX/XX/XXXX with a promise someone would be reaching out shortly. In XX/XX/XXXX I reached out again stating that I had not been contacted regarding the referenced ticket number. I received a response on XX/XX/XXXX stating they were looking into the matter and have heard nothing since. 

Today, XX/XX/XXXX, I reached out to LoanCare again and learned that customersupport@myloancare.com was decommissioned 2 months ago. I waited to speak with a supervisor, however none were available to speak with me. I am now at a loss on what to do to recover my money and need any assistance I can get.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. How can you report an account that they say that cant find, but when I dispute it you all say that it has been verified but the furnisher. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
The XXXX Credit Card misled customers by using the Bait and Switch manipulation technique. They lured people to their credit card with no annual fee and great benefits allowing you to use cash back towards your statements. Now they not only lowered the benefits but made their cash back system only for credits towards their own company. Now I am stuck with this credit card because I care about my credit history and do not want to have a canceled credit card this quickly on my credit report.

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 2019-10-29 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: AL

Complaint narrative:
I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY 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 2019-10-29 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:
I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I submitted an application two months ago to purchase a condo. Less than a week before the closing, the lender said the condo had not renewed its FHA certification. The lender was unresponsive to phone calls, e-mails, and attempted to charge me a lock fee when it did not timely move my application through underwriting. The lender also failed to provide accurate information about the status of the underwriting approval. After I complained about the lock fee, XXXX XXXX, the closing coordinator, became less responsive. I believe the lender was negligent in not checking the FHA certification much earlier in the loan process and the missed the closing deadline by failing to take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I started a dispute through XXXX XXXX for Capital One falsely reporting my account as being 30 days late. 

That was inaccurate. I made a payment on XX/XX/XXXX that was returned I forgot to update the account information. I made the payment again on XX/XX/XXXX. The payment was only 10 days late. Not 30. I called Capital one initially on the XXXX or XXXX and spoke to a representative who said yes, it was in fact in error and I just needed to dispute it and it would be corrected. 

I disputed it through XXXX XXXX and the results came back as being accurate. I have the payment log on my transactions and can see the dates, thats inaccurate. When I called Capital One today, XX/XX/XXXX at XXXX the representative told me that I need to write a letter to dispute the inaccuracies of the reporting. This is not only time consuming but it has dropped my score dramatically. I should not have to go above and beyond to fix something that was falsely reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The remarks are inconsistent for all the reporting bureaus. I have been disputing this but I still get the results. Please me out on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizen 's one continues to call for some auto loan that is not mine. Over ten times I have explained that my number does not belong to XXXX XXXX and each time the promise to remove my number but they call one to two times per day except Sundays. I was told the number to call to get more information is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I accidentally sent a payment for my Capital One Credut Card that was returned for insufficient funds. I called on XX/XX/XXXX to rectify the situation and was told that my credit card account was closed on XX/XX/2019. I asked why I wasnt notified of this. The very polite phone rep told me she was " sure they sent me a letter ' She followed that with, " Oh ... It does look like no letter has been mailed, but the account is closed ''. I asked how I can make up the payment as this was my first missed payment. Capital One refuses to open said account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
The remarks are inconsistent for all the reporting bureaus. I have been disputing this but I still get the results. Please me out on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Group Inc.
State: OR

Complaint narrative:
I had a loan thru united finance as of XX/XX/XXXX -- a little after I received this loan I had to go out on short term leave, where I was only receiving 65 % of my pay and I was getting garnished also so I was receiving only 300-400 dollar checks I informed XXXX of my hardship an he did not offer no help just waived a late fee -- My garnishment should of ended XXXX. My XX/XX/XXXX payment I had planned on paying this on XXXX but I ended up getting garnished which caused me to be short, I advised this to the company letting them know I would have to wait for a refund from the company who took money- Ufortunatley I got garnished again on my next pay period in XXXX XX/XX/XXXX, my employer told me I would get that money back in 1-2 pay periods. 
I was only 30days when they took my car on XXXX I finally got all the refund by XXXX but by then I was advised I would have to pay {$1300.00} in cash to get my car, which is way more than 2 payments. 
This company advertises on the they help and I was offered nothing in my financial hardhsip

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.

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 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
A couple of weeks ago I discovered my credit report in XXXX showed an unpaid balance of {$250.00} due to a company called XXXX XXXX XXXX. I do not recall ever using or seeking treatment for a sleeping disorder, nor do I recognize the name of the company, so I disputed the charge and asked XXXX to investigate. 

Today, XXXX came back stating they had investigated the account and it had been " verified as accurate ''. They also informed the account is now in the hands of a collections agency called Merchants & Professional Collection Bureau Inc., and has been given an account number XXXX. XXXX 's report shows the original charge or invoice date to be XX/XX/XXXX, and shows it past due as of XX/XX/XXXX. 

Simple online research showed both companies share the same address : XXXX XXXX XXXX, XXXX, Texas XXXX. I reached out to XXXX XXXX XXXX asking for documentation or proof that I incurred in such a charge. They have yet to replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: BB&T CORPORATION
State: FL

Complaint narrative:
Branch Banking and Trust aka BBT has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. BBT admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked XXXX   to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. XXXX   also needs to be in trouble for not investigating what BBT are doing here. BBT reports false info on your credit file BEWARE!!!!!!

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 2019-10-29 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: FL

Complaint narrative:
I have contacted XXXX XXXX several times to resolve this issue. For some reasons unknown to me I have 2 accounts with XXXX XXXX. I want them to show proof that I signed for these 2 accounts. This is ruining my credit report. I want them to show proof with documentation that I have 2 accounts or remove this fraudulent information from my trade line. I have also disputed this with Equifax and no one has sent me any proof that these 2 accounts belong to me. They both are the same amount at the same time. PLEASE PROVIDE PROOF THAT THESE 2 ME. I have attached a screen shoot of the 2 accounts that is showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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:
I have been a victim of identity theft

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 2019-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2019 I contacted Deville Asset regarding a collection account asking them to validate the account they are trying to collect for specifically requesting they send me the Calculation of Surplus or Deficiency. Deville did reply by sending the contract but did not send me the calculation of surplus or deficiency showing a breakdown of how they came to the amount they say is owed. After researching I found out they were suppose to include all this information in their reply within the 14 day time frame per federal UCC laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
For the last several months Ive been attempting to close my OneDeposit checking account at Citizens Bank, though my attempts have been unsuccessful. At first, they told me that I need to bring the account to a {$0.00} value, which I did. Once it was at a {$0.00} value I contacted them back again to close the account. By the time they responded to me ( sometimes taking several weeks or more ) they would charge the account a monthly maintenance fee and bring the account value negative. They then would not allow me to close the account because it was negative. This has gone on for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: IL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON 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 non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had an automatic payment bill for XXXX set up with my Citibank account. Recently, I called them and asked them to cancel the automatic payment. I don't have the exact date but it was before XX/XX/XXXX. On XX/XX/XXXX, a check of XXXX was withdrawn and it bounced because the payment I had canceled wasn't canceled, so the money I was sure it should be in my account wasn't. I had to call them again to cancel de automatic payment and they don't want to refund the XXXX dollars fee of the check that bounced. I had to waste my time calling them to cancel the automatic payment and because of their incompetence, my check bounced. That is unacceptable to be charged any fee under these circumstances. I want the reimbursement of the fee. I asked the customer service agent to escalate the situation and the supervisor said she could not do anything about it. I told her to escalate and she said it would take a couple of business days for a manager to contact me. That is unacceptable, their mistake needs to be fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
1 ) The bank charged excessive NSF fees by paying a large sum amount rather than returning the large item and paying the smaller amounts. They have done this for years and it is causing a financial hardship. Over XXXX since XX/XX/XXXX. 

2 ) The bank charged me XXXX in service fees since XX/XX/XXXX when there were other options available to me.

Company response to consumer: Closed with explanation