vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX  rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX My account was restricted without cause nor explanation. I was told that my account restricted for authorizers placed on the account. However, the cards were never given to the employees. I was asked to send copies of the ids and social security cards. I sent what was received from my contractors. Again, no one had received the cards. They continued to request ids or social security cards were not clears. I sent them several ways as requested. I asked that they cancel the cards. During this time I paid off the account since they wouldn't explain to me about the cause for of the restriction. I have a credit balance of {$4900.00}. They refuse to return my credit balance, transfer my points credit balance and close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This is a home equity loan obtained in XXXX and discharged through Chapter XXXX Bankruptcy in XXXX. Due to extreme financial hardship I applied for loan modification in XX/XX/XXXX. I am writing to report the predatory and disingenuous methods in which this process has been handled by CitiMortgage. These methods are clearly designed to confuse, frustrate, and dela y the borrower and make an already desperate situation worse.. Briefly stated these methods include : Letters sent from the home office giving borrower a false sense of security, repeated requests for the very same documents, correspondences originating from different sources : home office, text messages, and emails and phone calls from representative, and promises of weekly telephone updates never fulfilled. All of these messages are different and divergent in nature. I have sent numerous emails for which I have had no reply. I have documented and saved every email and conversation. 
My most recent contact from CitiMortgage was from the representative that all documents were received and complete. The following day I received a text stating Your hardship application is with underwriting which can take 30 days. Well keep you advised. This was on XX/XX/XXXX. Since that time, I have received four Notices of Intent to Foreclose. One of these was registered mail the other 3 regular mail. I have sent 3 emails to CitiMortgage requesting  an explanation. All have been ignored. 
I would be most appreciative if you can investigate this matter and assist me as I try to go forward with this much needed modification. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX C- ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX my mortgage payment increased from {$1000.00} to {$1100.00}. Due to a grievous oversight on my part I failed to increase the payment. Mr. Cooper Mortgage company held my inadequate payment and threaten by XXXX XXXX XXXXbut there was a dramatic hit on my credit report for non-payment. Eventually the credit issue was resolved with Transunion credit bureau and my credit score was restored. 

I am in the process of selling my current home and trying to prequalify for the purchase of another home. Therein lies the problem. Upon an inquiry of my credit it was disclosed that I was late on 4 mortgage payments for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. My credit scores are impeccable with the only blemish being 4 late payments on the XXXX Credit Report. 

Other than the XXXX mix-up, I have never been late for any payment while a client of Mr Cooper. I have called twice trying to resolve this issue. On XXXX XX/XX/XXXX I called and asked for a copy of my payment history and also a letter stating that I was, in fact, on time for the payments of XXXX, XXXX and XX/XX/XXXX. 

According to the customer service representative on XXXX XX/XX/XXXX, it was stated that they would send a copy of the payment history and a statement saying I was never late on mortgage payment except for the one incident of XX/XX/XXXX. He only sent the payment history and not a clear explanation of no late payments. i am beginning to wonder if my file flagged or are the customer service reps being told not to help out with this issue? I have called twice and written one letter and sent an additional registered letter to ensure someone is made aware of my circumstances. 

The payment history of my current mortgage they provided shows only the XX/XX/XXXX mishap. As one can see, the only blemish is XX/XX/XXXX. The payment history is and has been consistently on time each and every month for the past 46 months. I know the credit report states 4 late payments but the historical data provided by Mr Cooper shows only the mistake in XX/XX/XXXX. 

I have requested an immediate Rapid Resolve and Rescore to correct this error. I am in the process of selling this property within the next 3 weeks and because of this mistake I can not pre-qulaify for a new mortgage. Please understand that any further delay in rectifying this grievous credit issue impacts severely upon my ability to purchase a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am on an automatic payment plan with my lender, Discover Student Loans. When I tried to use the same payment account that I use every month for the automatic payment to pay an additional {$2000.00} towards my principal the lender was unable to process the payment and reversed the payment without notification. I have also previously used this account to pay one-time payments without issue. Discover Financial ( the lender ) claimed that my bank was unable to locate my account. Upon confronting my bank, XXXX XXXX, they confirmed that Discover Student Loans did not event try to process the payment. 

This is one, in a long list, of times that Discover Student Loans tried to avoid additional payments towards my principal so as to protect the expected interest payments on the loan. To date I have still been unable to pay the additional {$2000.00} I would like to pay towards my principal. I want Discover Student Loans to accept additional payments as is there contractual obligation under the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I deposited a {$1500.00} check from my XXXX Card account on XX/XX/2019 into my Capital One bank 360 account. Capital One showed a credit on my account of {$1500.00} as check cleared. On the same day I transferred the {$1500.00} into another checking account with Capital One Bank. Several days later I received a letter dated XX/XX/XXXX from Capital One saying that the check was returned insufficient funds. 
Similarly XXXX sent me a letter saying that I was over my credit limit. I called Capital One and they returned my call on XX/XX/XXXX saying that my account was terminated because of Fraud. To my disbelief after 15 years of relationship. The bank accused me of Fraud. When I wrote the check from my XXXX account. Because the checking 360 account was closed, I couldnt return the {$1500.00} from the other Capital One account as an internal transfer. The fact of the accusations and the wrongdoing of Capital One investigators conclusion, and failing to advise me of the effective date of closure, is causing financial hardship in several automated debit payments, and mortgages that are accumulating return fees, late fees, and potentially damaging my credit score.

Furthermore, Im employed as XXXX XXXX XXXX on a Financial institution and this information can damage my professional career.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC
State: LA

Complaint narrative:
I Purchased XXXX XXXX XXXX in XXXX. In XX/XX/XXXX car was repossessed with balance around {$11000.00}. XX/XX/XXXX, after viewing my credit report, I saw the balance at {$23.00}, XXXX. I called Quality Acceptance to see has the vehicle been sold. She said it was sold a month after repo ( XXXX ) for {$16000.00}. I then asked why wasnt I sent sale and/or deficiency notification as required by law and why was the balance {$23.00}, XXXX with {$250.00} in interest per month. We stated she could make payment arrangements with me for balance.Once I asked for proof that the legal process was followed and notices were sent ( sales information, fees, deficiency notices ) the call was dropped. I tried faxing and emailing and both were blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to the website to get my entitled free annual report but it was blocked for whatever reason and I was told to " mail in '' my identity and SSN number! Who on earth would be XXXX enough to mail in such private information? What an archaic system! I had no other problems confirming my identity and getting my reports from XXXX and XXXX. Equifax has a system history of problems and information discrimination, I XXXX XXXX HERE DEMAND my entitled free credit report and the data you are collecting about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My payment was late about 8 days or so and I have receive repeated calls from them. On Friday, XX/XX/, 2019, I received 4 calls from HSBC Bank Credit Card. On Saturday, XX/XX/2019, I received 5 calls from HSBC. On Sunday, I have received 1 call already. But, its XXXX EST, so I expect to receive additional calls. These calls are for ONE late payment. I have already scheduled the payment online and I am still receiving harassing calls from them. This is ridiculous and absurd. I am reporting HSBCs abuse tactics because their actions rise to a level of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX  for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
This was a debt for XXXX XXXX received from XXXX XXXX XXXX with XXXX XXXX XXXX. for an XXXX  XXXX XXXX. There was a delay in payment due the my dental insurance originally denying the claim as not medically necessary. I was not aware there was an issue with this service for a XXXX XXXX until a bill was received from AWA for {$710.00}. I reviewed my dental charges with XXXX XXXX and saw the amount of the bill was {$530.00}. At that point a payment in the amount of XXXX was sent directly to XXXX XXXX XXXX via XXXX. After a dispute was submitted to all three credit reporting agencies, the amount of the debt was reduced to {$310.00}. Once it was discovered the amount was less than the original debt, an additional {$130.00} was sent directly to XXXX XXXX XXXX for another {$130.00}. I have called AWA several times on this matter. I spoke with XXXX XXXX, ext XXXX and was advised i needed to send a copy of the payment that was sent to XXXX XXXX. This was done but when i called to verify the status I was advised the fax was illegible. At this time I also asked XXXX if he had reached out to XXXX XXXX 's office directly to verify the payment and he advised they weren't allowed to ask that and could only call the dentist 's office if they had proof of payment themselves. So I submitted a very, very, clear image of the payment shown by XXXX. I since have left several messages with XXXX at AWA with no response. The bill is still showing on all three credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: Patriot Finance, LLC
State: GA

Complaint narrative:
I have a personal loan from Patriot finance. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect 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 2019-03-17 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: GA

Complaint narrative:
I have a personal loan from XXXX XXXX. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.

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