vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My mortgage servicer XXXX is bluntly delaying the release of insurance funds needed to repair my damaged home suffered from Hurricane XXXX. 

First I was forced to use a contractor to perform my home repairs, even-thou I have an extensive experience with Home repairs. 

XX/XX/XXXX : XXXX hits, file claimed for roof / siding patio damage. 
XX/XX/XXXX : Insurance check received and mailed to XXXX : {$4000.00} Dwelling For the roof and siding. 
XX/XX/XXXX : Supplemental Claim check : XXXX - Dwelling for interior damage ( mold was found in a bathroom, because of a leaking roof ) and mailed to XXXX. 
XX/XX/XXXX : received via mail check to XXXX : {$370000.00} for interior damage - Furnace no longer works, because of a leaking roof ) we have floor heaters to keep warm, XX/XX/XXXX With supplemental check received a signed contract was provided, to repair leaking roof, yet XXXX denied the contractor XX/XX/XXXXXX/XX/XXXX A new contractor quote and XXXX was sent to XXXX. 

I have called XXXX almost weekly since XX/XX/XXXX, and tried to escalate the release of funds to just at least repair my leaking roof. Always receive their RED tape, their inspectors are reviewing my files... etc. On XX/XX/XXXX I spoke to one of their managers who stated a check was to be sent overnight, and I should have a check to start my roof on XX/XX/XXXX, it is now XX/XX/XXXX and no check has been received.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Yesterday I received a report that I had a collection from Convergent outsourcing that I had a collection for {$270.00} for XXXX XXXX which I haven't had since 2017. To my understanding I had turned all equipment and paid all bills. I had not received any calls or letters regarding this. I tried to log on to the XXXX website to look up information and when I did it would not let me log on and when I would input forgot user name and password with my account number it was pulling a number and an email that is not mine. I did call XXXX and they did say that all equipment was turned in but that amount was for the last bill. I have no other information on this and Convergent didn't provide anything other than that. If this information was given to me it would have been paid off along time a go. I don't believe that it is ethical for something that was from 2017 is being brought up now when it was so long ago and I can't find proof that this was taken care of.

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 2022-02-10 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: CA

Complaint narrative:
On XX/XX/2022 I had XXXX hard inquiries from Capital One, XXXX XXXX and XXXX XXXX that I did not authorize. I need that taken off as it hurts my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NM

Complaint narrative:
I received a XXXX XXXXXXXX gift card {$100.00} from my work for XXXX. I finally tried using it 2 days ago and it was declined. The cashier could see there is {$100.00} available. We tried for 10 minutes every which way but it did not work. I then tried to pay a utility online with this card and again it was declined. I went on their website, XXXX but when I try to enter the card number, it says it is not valid. I called the number on the card and was told by 3 different customer service people that I have to go through their automated system to validate the security code before they can even help me. So, there is no option for the automated system! It takes me directly to someone who barely speaks English and all they tell me is, sorry you have to call the number on the card again. I tell them it takes me to them. Again, sorry, you have to call the number again. This is their only answer. Nobody is helpful and there is no supervisor available. I asked multiple times what can be done to resolve this and nobody has an answer. I'm beyond upset at this company and their lack of customer service. How do they not have someone to help, or get me a new card. It's like running against a wall! I feel like this is a scam. I hope I will get some help through here. Thank you.

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 2022-02-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I had 3 hard inquiries from XXXX  XXXX, American Express and XXXX XXXX that I did not authorize. I need that taken off as it hurts my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
I was contacted by Fox collection center of tn. XXXX with Fox was very uncooperative, threatened to keep blemish on my credit report from a fraudulent charge. The company, XXXX Tn XXXX XXXX was contacted by me. I spoke with a XXXX in their billing department on XX/XX/22. He said this was a recurring error with many clients do to a software issue and that there is no record of me owing any money. I explained this to XXXX XXXX XXXX collections, XXXX. She was uncooperative and unwilling to stop collections or contacting me. This is a {$60.00} fraudulent charge!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: OH

Complaint narrative:
hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX equifax XXXX and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX XXXX experian and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission

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 2022-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I tried relentlessly to close my savings account with Citibank for 5 months. They were supposed to close the account and send my account balance via mailed check. I ended up having to hire an attorney to fight on my behalf to get my OWN money back from them. After 11 months of fighting for my money, my attorney was able to get my money from them. Now I'm stuck with {$300.00} in attorney fees because Citibank refuses to pay my attorney. I never should have had to hire an attorney in the first place to get my own money back, and then to have to pay {$300.00} out of the money I finally received is so immoral on Citibank 's end. Please someone help me hold Citibank accountable for basically stealing {$300.00} from me.

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 2022-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In XX/XX/XXXX, I made my final mortgage payment of {$3000.00}. to XXXX c/o PHH XXXX for a refinancing that was effective XX/XX/XXXX with a Principal Balance of {$68000.00}. The Shared Appreciation Modification ( SAM ) Agreement requires that an addition shared amount be paid after the mortgage completion ( Maturation date XX/XX/XXXX ). When PHH sent the " Pay Off Quote '' response letter ( XX/XX/XXXX ), it was stated that the property was valuated using XXXX at {$120000.00} and that the unpaid Principal balance inflated beyond the original principal balance to {$76.00}, XXXX. According to the agreement an appraisal of the property would determine the final valuation. The company never asked me for Capital Improvements made to the property except once when I was asking for clarification of their payoff calculations. They then gave me a quote on XX/XX/XXXX with an expiration date of XX/XX/XXXX. They are also requesting mortgage payments for XXXX after returning my {$800.00} payment for insufficient payment. The representative stated they returned it because it didn't cover the payoff amount. Each month I receive a statement with a new amount of something ( late fees, etc ) that need to be paid. To date I paid the entire original mortgage, escrow fees, Pay off Quote fees, and Returned item fees non of which makes sense when they returned {$800.00} that would have covered all the additional fees. 

This refinancing began with Ocwen XXXX and changed hands at least 4 times. The information from the representatives is ambiguous and the payment request unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I am XXXX XXXX and Im submitting this compliant myself with no third party involved. 
I, consumer, natural person went into XXXX on XX/XX/XXXX to purchase a vehicle. I told them I already had a pre-approval through a specific financial institution. They proceeded to violate my consumer rights and run my credit to XXXX XXXX. I didnt authorize this transaction and I want it removed immediately. The same company ran my credit without my authorization on XX/XX/XXXX as well. I want these removed from ALL agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/2022 I contacted Navy Federal Credit Union she I ask if I paid the money I owed them from a previous account that had defaulted would I be able to establish a new account in good graces. I was told yes by XXXX different Navy Federal employees on a recorded line. I had also spoke to server Al Navy Federal employees previously about the same matter with the same response. Yes you could re-establish your account. So after making the payment I did just that I re-established my account with my debit card being on the way. I received a phone call this morning stating I was misinformed by the agents and I could not open my account back up. I also talked to XXXX XXXX a representative for Navy Federal and was told I was able to now open an account. I was offered a settlement account from them but was told if I wanted to re-establish I had to pay the amount in full. I spoke to the supervisor is morning and she stated there was nothing she could do but close the account that had already been backed open by their representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau. The consumer is filing a respectful complaint concerning Chase Bank. There are numerous complaints that are being addressed in the complaint. The consumer was initially told incorrectly concerning overdraft protection when the first account was open. This had resulted to the first account being closed. The consumer was told, The bank allows up to three overdrafts. This is incorrect ; the consumer was notified that Chase Bank had attempted to contact him. However, the Caller ID had never identified the caller. These are examples of what had taken place in the account. The most concerning is as the consumer was led to believe that he had 60 days to refill the account back to positive prior to closure. Currently, the consumer is attempting to pay the consumer. However, miscommunication had led to the consumer preventing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Terminate issuing incorrect information to my Credit Report and all inquiries in the request that have been disputed must be 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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Sent a validation letter request certified. Company received and took no action. Called and said they where not obligated to send. The account was fromn XX/XX/XXXX. I know nothing about this debt or if it is a valid debt or not. I requested they remove this from my credit report and stated they would not and to contact the original vendor. XXXX XXXX XXXX. Which I did. They know nothing about this debt and refused to contact collection agency CBE. Want the debt removed my credit report and want validation for all debts held by this company. I only seen one on my report but agent said there where over 6k from the same company. I need to see this bills and conduct and audit for validity. And I want this removed from my credit report immediately. I have disputed this debt in XX/XX/XXXX and the company has not responded. The amount of the debt is XXXX XXXX XXXX care, It has hurt my credit score and want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my account. The letter I received stated the account is not consistent with their expectations for account usage and violations of the Capital One Customer agreement. I called Capital One and spoke to several managers in the fraud department. No one was able to inform of the violation. Due to the erroneous mishaps internally at Capital One my credit score has dropped significantly. The letter also stated that I will continue to receives statements until the bill is paid in full. I DO NOT OWE ANYTHING I then proceed to XXXX the terms and conditions while on the phone with the XXXX ( XXXX  Manager ). I read the terms and conditions and couldn't find XXXX violation. She proceeds to tell me it could XXXX or many things, but could not inform of what the issue is. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the XXXX about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the XXXX left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX 2020

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