vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The last week of XXXX I had called and was provided with the pay off amount of my credit card with Capital One. I was informed that the pay off amount was {$8.00}, XXXX. This amount was also placed on the Capital One Application as well. I was working with a local bank and provided them with this amount. A check was cut by the bank and sent certified to Capital one in the amount of {$8400.00}. This payment was posted on XX/XX/2020. On XX/XX/2020 Capital One placed an interest fee on my account of {$160.00}. I contacted Capital One on XX/XX/2020 and spoke with a supervisor " XXXX '' who informed me that he has no record of this call, and due to this he would not be able to remove the charge. I informed him that the account was paid in full and had a XXXX dollar balance and how could he charge me, two days after a full payment. I asked for XXXX 's boss and he told me that he was the highest there could be I told him no, that everyone has a boss. XXXX stated they do not have contact numbers, I stated how else can they be contacted and he stated they can't. Now I am stuck with another charge after doing what I was supposed to and paid a pay off fee of {$8400.00}. This company takes advantage of its consumers and financially abuses their power. All I wanted was the fee to be removed it is clearly stated in back and white and they still are charging me for something that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: VA

Complaint narrative:
The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX XXXX for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

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 2020-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I called in today to the Creditors Bureau USA A Professional Debt Collection Agency located at XXXX XXXX XXXX, XXXX, CA XXXX. They are claiming a balance billing I don't believe I even owe, but it is for {$30.00} so I planned to pay it. When trying to pay with an XXXX debit card they informed me that they charge a {$5.00} processing/convenience fee. Per my understanding this is a violation of the FDCPA. And beyond that is exorbitant given the bill total.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group
State: OR

Complaint narrative:
On XX/XX/2019 this company did several things wrong, first they called me while I was at work and they left a voicemail. Then they called my sister and left a voicemail. I then reached out to the company and gathered some information and informed them to not contact me again. They then turned around and called my place of employment ( I work customer support, so they called the general support phone number ). The caller was told all 4 times he called in that this is a support line for customers of our business and that he is not to call into this number. They called a total of 4 times into my companies support line on XX/XX/2019. Since this company was not able to get the resolution they wanted with their illicit tactics they used, they sold the debt off to a company called Foster and Monroe LLC. 

This Foster and Monroe never reached out to me about this debt and I have initiated a dispute with XXXX. 

I have the first call recording that this company made into our support phone line along with the third call attached to this complaint. This company made a statement when I spoke with them on my personal cell phone ( after leaving a voicemail on both my number and my sister 's number ) that there was a court document or standing that there was a garnishment. This was for the XXXX XXXX area in Virginia, I called all the court systems in that area and there were no cases against me or pending or any of the such. 

The last attachment is the call that my supervisor took, again in our support phone line, and the caller was being combative and harassing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I've disputed this account several times because I do not know who or what TSI/XXXX is or why they are on my credit. I've written to them asking them to verify the information, and they have not responded. They have continued to call my place of work, despite me repeatedly asking them not to, so they are now auto dialing my cell phone! Please make this nightmare end!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: VA

Complaint narrative:
The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

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 2020-02-13 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: VA

Complaint narrative:
The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CA

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
For the past few months I've been disputing a debt with Remex, they have not sent me any information to verify the debt. They have continued to call me, at work, even though I've begged them not to! I think they've been using an auto dialer to call my cell phone and work and my parents!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: IL

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 2020-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Experian Information Solutions Inc.
State: IL

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage was purchased by Flagstar bank from XXXX XXXX  in XX/XX/XXXX. My first payment to Flagstar Bank was XX/XX/XXXX. My original loan was a conventional loan with no PMI. But when Flagstar took over, they added PMI to my payment/loan of {$75.00} a month. 

Without realizing this, I ended up paying them a total of {$750.00} from XX/XX/XXXX - XX/XX/XXXX. 

I sent a letter regarding this problem to Flagstar, and they terminated the PMI from my loan as of XX/XX/XXXX. But never reimbursed me for the amount that was paid prior to the termination. 

I called on XX/XX/XXXX and spoke with XXXX from the PMI department, and he was supposed to forward the information to his supervisor and get back to me. I have heard nothing. 

I sent a letter on XX/XX/XXXX again, and have heard nothing. 

Flagstar Mortgage added PMI to my loan without my knowledge, or signature. 

Please help! 

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper a mortgage holder for my home loan also manages an escrow account used to pay my property taxes, and insurance. On XXXX, my wife contacted Mr. Cooper and requested our property taxes be paid. They are currently due to the county of XXXX XXXX, and will be past due on XX/XX/2020. We are refinancing our home loan with another lender and communicated this to Mr. Cooper 's escrow department. She even spoke with a supervisor of the escrow department and was informed they would only pay the current taxes 10 days prior to XX/XX/2020. Mr. Cooper was reminded that they were within the 60 days and should be paid the taxes now. They refused to provide the monetary payment to the county of  XXXX XXXX. I called Mr. Cooper and also attempted to request they pay our tax bill on XXXX. Again they refused and would not discuss their refusal to pay XXXX XXXX County other than " it is our policy to wait until 10 days prior to your bill being delinquent to pay. '' We requested that our escrow account by closed and the monies returned to us, so we could make the payment. They insisted our debt ratio was to high, I informed their staff our home had a recent certified appraisal completed and was below the 80 percent threshold the State of California required to close the escrow account. They refused to accept a certified appraisal and would only look at the amount of monies their company financed four years ago. When they were reminded the value of property had increased they would not listen or allow for an adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
I have on numerous occasions tried to get dispute remarks removed from my Equifax credit report, starting back in XX/XX/XXXX. The account that has the dispute remarks ( 'consumer disputes after resolution ' ) is XXXX  which is a student loan account, I have 2 separate accounts with them, the remarks appear on both accounts. I have long since stopped disputing this account and have tried on SEVERAL occasions to have these remarks removed. Equifax will remove the remarks from my report and then within 2-3 weeks they will reappear even though I am not disputing the account. I became REALLY frustrated with Equifax and reached out to XXXX on XX/XX/XXXX myself to let them know that I was no longer disputing this account and would they please have the bureaus to remove dispute remarks, they sent me a letter stated they would correspond with the bureaus to have remarks removed, well as of XX/XX/XXXX the remarks still had not been removed so I called Equifax ONCE again, this was on XX/XX/XXXX, the dispute remarks were removed on XX/XX/XXXX but placed back on my report on XX/XX/XXXX. I called Equifax AGAIN on XX/XX/XXXX and was told the remarks would be removed. They removed the remarks again on XX/XX/XXXX and placed them back on my report AGAIN on XX/XX/XXXX. I am sick of playing with them. They are ruining my chances of obtaining a mortgage because they keep adding the dispute remarks back to an account that I have long since stopped disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called Chase because they marked me late in XX/XX/XXXX and XX/XX/XXXX on my chase freedom card in 2019. My autobill was cancelled for those 2 months. When I called I talked to the fraud department and they told me that someone went in and added a new email and login to my my card. Therefore, I was not receiving bills, notifications or any notice my bill pay was cancelled. The fraud department did verify this information and told me that they would transfer me to a supervisor to have those late payments removed since it was fraud. I was transferred and the gentleman on the phone told me he would take care of this for me since I was not receiving any bills. I was disconnected and then talked to lady on the phone who told me she couldn't help me. I have a police report as well to show I was a victim of Identity theft. I am upset that this was not my fault, I was not notified and now I have 2 negative remarks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, has incorrect information and they are unwilling to help me resolve them. I have not been able to process a dispute with them that is effecting my score. They lowered my score by 44 points due to them stating that my utilization is 84 %, but I have no accounts open since all accounts are protected under chapter XXXX.I tried online and calling and still they refuse to help me get the information corrected. They are not very helpful in getting me the help I need. They refuse to let me speak to a manager. They have errors in the report as well as my profile on record. They want me to send my SSN by mail to them. I cant believe that this is the only way to resolve my issue by sending private information by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alorica Inc.
State: KY

Complaint narrative:
I receive a notice from a. SST company that requisition to recover a debt I never acquired through them with an agreement I never made with set company treating to utilize remedies never agreed on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF 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 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: CA

Complaint narrative:
ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. 

Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank closed my new checking and saving accounts without providing a reason or notice. Case # XXXX. 

In Chase 's response, Chase Bank stated that they will not reopen my accounts or open any new accounts for me in the future. Chase Bank also told me the same over the phone without providing a reason although I have asked. 

Please investigate and confirm if Chase Bank will be able to reopen my accounts or open any new accounts for me. If not, Chase Bank must provide a reason. The Deposit Account Agreement that Chase Bank referenced to is on their website. However, it does not include any language regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account is restricted and they wont allow me to withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
Rocket Mortgage has tried to slam me into agreeing to a refinancing my mortgage. They wouldn't tell me the cost of the refinance they suggested, and when I said no they won't stop calling me at work. I have contacted them and asked them to stop calling me at work. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF 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 2020-02-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.

Company response to consumer: Closed with explanation