vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 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: SC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX XXXX {$640.00} XXXX XXXX  XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Capio Partners, LLC
State: FL

Complaint narrative:
I spoke with Asset Care LLC in reference to an unknown account being placed on my credit as a new account in the amount of {$650.00} on XX/XX/XXXX. After receiving information on this account I was informed that it was a medical account from XXXX that was previously listed by another collections agency. I asked the company to update the date that they have submitted to the credit bureaus to show the correct deficiency date and was told that they would not do this as they are using the date in which they purchased the debt from another collections agency. This tactic will allow for the account to remain on my credit for six additional years which is in violation of the 7 year rule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, 2020, I attempted to place an online order on XXXX. XXXX 's website with my Capital One visa card. They are based in the XXXX XXXX. Capital One, the credit card company, did not authorize the purchase. I called them to speak to a fraud specialist, XXXX, employee ID number XXXX and she verified my identity through their app by sending me a push. She then told me to go ahead to make the purchase. The authorization was rejected again. She then said that she would need further identification to lift the restriction on my card. I said that I could provide a passport card, which is issued by the US Federal government, or a passport. She said that this was not a valid form of ID for their company. At that point, since this is not the first time I've had trouble making international online purchases using my Capital One visa card, I said I wanted to redeem the points I had accumulated in around 20 years of being a client and close the account. She said I could only unlock the account for those purposes by providing a driver 's license or a state ID. I do not drive and I have no use for a state ID since a passport card or passport will suffice. The next day, I called again and spoke to another supervisor in their fraud department, XXXX, employee ID number XXXX   XXXX. She said that unless I provided a driver 's license or a state ID, my account will be locked. She said I had no recourse since she was the highest in the chain of command that I could speak to on the phone. I demanded to speak to someone in their corporate office but she said she could not transfer me. I subsequently wrote an email to XXXX XXXX, President of Financial Services, in their corporate office. I have not heard back from him. 

As an indication of how ludicrous their practices are, I subsequently made two purchases from the same vendor using my XXXX card and my XXXX XXXX debit card. I did not need to confirm my identification using a state ID or a driver 's license. 

Capital One is practicing discrimination against customers who do not drive and do not have a state ID. I wont get a state ID and incur additional expenses just to continue using this credit card. I have called numerous times to their fraud department to no avail. At this point, I just wish to redeem the points I have accumulated over 20 years and close the account. However, I am not able to redeem the points because my account is locked. The reason for locking my account is unclear to me as is the fact that Capital One does not accept a US federal government issued passport or passport card as a valid form of ID even though the U.S. federal government is a higher authority than any state government. There are all kinds of legal ramifications that follow from the discriminatory conduct of Capital One 's credit division and fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During this time of COVD my hours at work have been reduced which means my paychecks are reduced. All other financial companies have been very sympathetic and have deferred payments on credit cards, even my car payment. 
I have been calling Citibank since last week. I was able to get through to customer service once and was told Citibank will not be offering payment help during this crisis. I tried several phone contact numbers being left on hold waiting for next available representative for over an hour holding and then disconnected. 
Today I am on hold right now for 2 hours+ 9 ( still holding ). 
I am curious if there is a regulation in place to help out in my situation? I am sure I am not the only consumer going thru this. And this is so disturbing that I am having to go this route at a time when we are all unsure of our future. 
Please assist if possible. 
I have my phone log of dates and times of calling.

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 2020-03-23 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: CA

Complaint narrative:
XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXXXXXX XXXX   response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

XXXX  XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX   and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, I am writing to complain about Citi bank and their lien release department. Here is my problem. In 2011, I bought a home that was in foreclosure. The property is XXXX XXXX XXXX, XXXX, Texas XXXX. Now, I would like to sell this home, and I have a buyer who has given me a fair offer. However, I can not get a clear title on the house so the sell can be completed because of a lien the previous owner had on the property. I don't have the loan number because it was my loan. I did not take a loan to buy this house. I paid that loan off and own the house free and clear and hold the deed. The title company has been calling Citibank for weeks and is only getting automated responses. I have tried to call and speak with a representative only to be told that they can't help me, can't give me the number to lien release department, that there is no manager that I can speak with, and that they do not have an office of the chairman with whom I could file a complaint. I have called the county courthouse where the house is located and the county clerk confirms that they have received nothing from Citi bank. So I am about to loose the sale of a house that I own outright because of a lien under someone else 's name, and Citi bank has been utterly negligent and unresponsive in this 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 non-monetary relief
Consumer complaint received 2020-03-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The company raised my interest rate from 17.49 % to 29.24 % with no notice. The rate shows as " as of XX/XX/2019 '', but on the Statement from XX/XX/-XX/XX/ the rate remains as it previously was. I was given no notice or alert to the interest rate rising so substantially. All attempts to contact the company have gotten nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Today I called United Wholesale Mortgage to discuss the hardship that has fallen on my family due to the Covid19 pandemic. My spouse and I are currently out of work or had our hours cut back drastically. We are concerned that we may not be able to pay pour mortgage the next couple months. When I called I asked about deferring our next 2 payments to the end of the loan. I was basically told no and that I can fill out an application for Short sale, refinancing, loan modification or repayment which would involve making a higher monthly payment. None of those would apply to us. This is the only financial company that has given us an issue. Not only do we have to worry about no income coming in, we know have to worry about a greedy mortgage company not willing to work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in Mr Cooper 's response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 (  a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. The XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, Mr Cooper 's reluctance to correct a Seterus problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. Please see Mr Coopers reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? Mr Cooper is manipulating a Seterus problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. The plaintiff/homeowner has submitted payments through the Mr Cooper automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by Mr Cooper. The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX    XXXX {$110.00}

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 2020-03-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX   XXXX {$110.00}

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
On XX/XX/17 my credit limit on my First Bankcard Visa was decreased by half ( from ~11k-5k  ). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95 % of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief XXXX search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.

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 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
on XXXX my identity was stolen and was use a XXXX XXXX hospital to recieve medical attention and the amount was {$600.00}

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