vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-24 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: FL

Complaint narrative:
In the month of XXXX  I spoke to a representative from XXXX XXXX. I explained to them I wanted to close the account. Concluding that conversation, I expected the account to be closed. The third week of XXXX I am looking over my credit report and notice a late payment for the month of XXXX from XXXX XXXX. I immediately contacted them and they stated that they have no record of me calling to close the account. I disputed the information with Experian and XXXX XXXX refused to right their wrong. This company targets people trying to build credit. The customer service is horrible, that is why I wanted the account closed.

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 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
ATM withdrawal on XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) and XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) not made by me. I opened a dispute on both transactions. Dispute XXXX was closed in my favor but the bank will not provide the information used to come to that decision. Dispute XXXX the transaction was determined to be authorized and correct. Merchant Name/ATM location : XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX. I have requested information used to come to that decision. The information was not provide in letter sent to me XX/XX/XXXX informing that they determined the transaction was in fact valid. I think the disputes are related both were made at the same location. 

The ATM did not have a EMV chip reader, I did not see a camera. When I called XX/XX/XXXX to report the first invalid withdrawal on XX/XX/XXXX ally bank did not recommend canceling my card or inform me that a {$400.00} withdrawal had been made at the same ATM on XX/XX/XXXX. This is a ATM that is in network ( approved ) by ally.

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 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) has appeared as plaintiff in a foreclosure case, Index XXXX, in Supreme Court, XXXX XXXX, NY. In a response to a complaint I filed with the CFPB, I asked the question ( paraphrased ) " Do you, XXXX, own my mortgage and Note? '' Their answer to the CFPB, ( paraphrased ) was " We are not a party of interest in this matter, '' which a reasonable person would interpret as they, XXXX, is not the holder of my mortgage and Note, but in a court of law is vague, so I am getting more specific with this follow up complaint and asking " At any time did you sell my mortgage and Note to anyone? At anytime did you specifically sell my mortgage and Note to a debt collector, XXXX and XXXX, located in XXXX New York, or XXXX XXXX, XXXX, located in XXXX, New York? 

It is likely that XXXX  will claim that this is a duplicate of a previous complaint. They have done this before in a previous complaint I filed. This Complaint is not a duplicate but is a follow up to that earlier Complaint, in order to clarify their response to my earlier Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I have been trying to resolve the matter with this Company Rausch , Sturm , Israel , Enerson & Hornik LLP with an agreement to pay off the debt that I own on my Credit report and it is XXXX dollar. The problem is they I want negation settlement agreements for the amount of {$3000.00} they did not send me evidence of the settlement agreement to pay off the settlement agreement debt to show I paid them off. The company wants me to accept the verbal, agreement not a document settlement agreement and that is very wrong to do. This company has too many complaints with the XXXX XXXX XXXX about make a verbal agreement and take people, money and sell their debt to another Law firm. This Law Firm files legal action against a consumer when they want to give them money over phone verbal but they want to accept document agreement they have a history of sell consumer debt to other law firms and make people pay over again what they already resolve the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I included all of my WF educational financial services in my chapter XXXX bankruptcy that discharged in XX/XX/2019. The loans were not backed by the department of education, a non-profit and most of the loan proceeds were spent on non-qualified education related expenses per the bankruptcy code. WF did not object to the discharge nor make any claim towards the debt. The case is still open due to a stipulation I am paying to the trustee and the automatic stay is still in tact. I however am also trying to rebuild a positive credit history. I called WF and disputed the credit report twice. WF informed me on the phone two weeks ago that they do not intend to collect or sell my account to a third party however they are all still reporting past due on my credit report which is hurting my ability to refinance and obtain new credit to build a new positive history. I have repeatedly asked them to change the reporting on my credit as closed and not past due I will never be able to reestablish credit with all these loans reporting past due and I think it is a backwards attempt at collecting a debt while the automatic stay is in effect which in violation of the bankruptcy code and fair credit reporting act and debt collection practices. Please help

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 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIED MORTGAGE GROUP
State: MA

Complaint narrative:
We believe Allied Mortgage Group is running a scam to steal " fees '' from loan applicants and not delivering loans. 
1. We applied for a {$200000.00} re-finance mortgage on a house worth {$600000.00} with Allied Mortgage Group approx early XX/XX/2019. 
2. We submitted, in a timely manner, all income documentation required, W2s, income taxes, pay stubs, ... 
3. Allied set up a home appraisal and charged us {$500.00}. 
4. Allied 's appraiser appraised house in the current condition at {$600000.00}. We are in the process of upgrading the home with some of the updates " in process ''. The appraiser said the value will be higher when our updates are complete. 
5. Allied, XXXX XXXX, told us the mortgage was near completion in early XX/XX/2019 and we'd get our funds by mid XXXX. 
6. Mid XXXX, XXXX said that a deck repair in the front of the house was a " safety issue '' and prevents the closure. The repair cost {$30.00} in material and 2 hours of labor, which is negligible on a {$600000.00} house and has no impact on the appraisal value. 
7. We had to rush ( in the snow ) to complete this repair to satisfy Allied. 
8. Allied then wanted to charge and additional {$200.00} for an appraisal update for this {$30.00} repair. We had already paid {$500.00} for the appraisal and were starting to get the feeling that Allied was running a scam to collect fees from consumers without ever actually issuing any loans 9. I emailed XXXX and told him our concerns about the illegal, non-disclosed fees and our concerns about being scammed for fees and not ever getting the loan we applied for. 
10. XXXX ignored our contacts ( phone, email ). When I was finally able to get him to answer his phone, he was rude, obnoxious and verbally abusive to me and then hung up, very unprofessional and rude. 
11. I tried to get XXXX to roll the additional, undisclosed fees into the loan amount instead of forcing us to pay up front ( for fear that they would collect fees and never deliver the loan ) 12. XXXX cancelled the loan request, but denied refunding the fees we paid them claiming they can keep anything they want. 

XXXX and Allied are basically holding consumers XXXX and forcing them to pay undisclosed fees for trivial reasons. It seems they are scamming people out of fees for profit and not delivering loans. We feel scammed and cheated by Allied Mortgage and the loan officer XXXX. 

The mortgage we applied for is only 1/3 the value of the house we are re-financing. Our income is approximately 6 times the required amount ( per 28 % rule ) for the {$200000.00} loan requested. The only reason Allied declared for refusing the loan is a {$30.00} deck repair ( which is already completed ), and therefore doesn't make sense. 

Allied Mortgage Group XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One 360 charged off my account in less days than what is stated in my agreement. I made 2 deposit within that time and attempted to make the last deposit to satisfy the negative amount. 

This is end-year consumer manipulation used as a way to cancel Capital One 360 old agreements and place account holders under new agreements that is more profitable for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The company 's name, according to them is Southwest Credit Systems. I do not know the company nor do I do I owe them anything!! They call repeatedly, and I've told them they have the incorrect information and not to call me again. I have several recorded messages left on my voicemail, even after I told them to stop calling me. I need help getting them to stop calling and leave voicemail for something I'm not even aware of. They even call after XXXX XXXX  when I'm already in bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit is currently frozen with the 3 credit bureaus as a result of the Equifax breech. I am not in the process of obtaining a loan and wanted to temporarily lift my credit freeze with Equifax. On XX/XX/2019, I placed three phone calls to Equifax representatives and after answering approximately 8-10 security questions to get through to a representative was told " our system is down, you'll need to call back in a few hours ''. I asked the first representative " what is a few hours '' and was told try back in two. Called back in four hours in an attempt to ensure success but again after entering answers to all security questions, I was told again that their system is down and that I would need to call back. Again I asked when? This time was told to call back in half an hour. Instead I called back in two and again, after entering all of the security prompts, was told to call back. This time I asked the representative why they could not call me back when their system was back up and running and was told " we can not call you back ''. 

Now today, XX/XX/2019, I attempted once again to get through to Equifax to left my credit and received multiple responses all after entering my secure data. First, I am told that today is a holiday and that their offices are closed. Then I attempted other prompts and was finally told that my request will have to be faxed in. This is not acceptable. I need my credit temporarily unfrozen by Equifax until XX/XX/2019. This was accomplished easily and handily at XXXX   and XXXX. The company that caused me to have to freeze my credit report is not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: KY

Complaint narrative:
Two companies are at fault. The first agency is Equifax. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is XXXX XXXX  - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and Equifax. The original creditor explained they have a 30 day rotation before they would infowm XXXX  and recommended I contact XXXX  directly. I gave XXXX the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Prior complaint # XXXX. Contacted you twice already and SLS wanted 60 days to fix this problem. Everything 's on computer so why 60 days. They gave a fax number. I faxed my bank statement reflecting the XX/XX/2019 payment they did not record and lost and then reported us late from then on wrecking our credit. They said they wanted the entire statement not just the page, so I faxed that and then even though I have confirmation, they say they did not receive it. THEY NEED TO BE PUT OUT OF BUSINESS! I am current. I have confirmation of payments for XXXX and XX/XX/2019. When I tried to pay the last one online it would only allow a double payment so I usps priority it. My husband is a veteran and we are senior citizens. Today, XXXX eve, we received a letter saying we are in default, owe XXXX, and ready for foreclosure. WHAT ARE THEY DOING WITH OUR MONEY? CAN YOU PLEASE, PLEASE HELP! I am sick from this. Thank you. Attaching both letters and both statements received today.

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 2019-12-24 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: NJ

Complaint narrative:
In mid XXXX I contacted Capital One customer service informing them that my address changed and that all future correspondence should be mailed to my new address starting on XX/XX/XXXX. When I failed to received the monthly statement, I contacted Capital One to confirm that the address was indeed changed. They informed me that they HAVE NO RECORD OF THE CALL, and that they still have the old address in the system. They also informed me that they marked me 30 days late since I failed to make a payment. Ive been a Capital One card holder since XX/XX/07 and in 13 years I HAVE NEVER BEEN LATE ONCE. They made an error, failed to change my address as requested, failed to send the bill to the correct address, and caused me to get a 30 day late! Capital One is refusing to correct the late out of good will even though the mistake was made by them due to the negligence of the rep to save the new address provided. 

Please see attached confirmation of address change from USPS, rent stub,  utility bills, as well as bills from other creditors ... .all showing the new address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Two companies are at fault. The first agency is XXXX. I can't believe they are still in business and used by so many companies. I have tried for weeks, probably 20 times, to dispute an item and the website never works. When I finally tried to call ( as website directed ), I was transferred twice and then the " rep '' stated the system was unavailable and to call back in a few hours. She was clearly lying per script. Outrageous. XX/XX/2019 The submitting collections company is GLA Collections - I called and informed them the account in question was fully paid and asked that they inform both XXXX  and XXXX. The original creditor explained they have a 30 day rotation before they would infowm GLA and recommended I contact GLA directly. I gave GLA the confirmation number from my payment and they refused to update my report. They repeated the same excuse that they needed to verify with the creditor but, could not contact creditor and would have to wait to be updated by them. Terrible response. Item is still on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
DCI ( Diversified Consultants inc ) called my home phone number at XXXX XXXX on XX/XX/XXXX about a {$71.00} debt supposedly owed to XXXX XXXX XXXX. This was paid on XX/XX/XXXX. I explained this to the representative and was told that I need to have documentation proving this. I gathered the documentation and called back. I was told that they opened a dispute and instructed me to upload the documentation proving I paid it by going to the website ( dcicollect.com ) and clicking on the dispute claim form. https : //www.dcicollect.com/ When you do, you get an error 404 form not found. https : //www.dcicollect.com/support/disputes/ It is absolutely unacceptable that you can not actually provide documentation to the collection agency to clear the dispute. ( The only choice that works is either to pay or to report fraud ). I called DCI back and spoke to XXXX XXXX, who informed that all he could do was pass this to IT to have them look into it. I asked how I could clear this debt today and was told its not gon na happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ABSOLUTE CREDIT  LLC
State: ME

Complaint narrative:
XX/XX/19 a debt collector called me, I said I would call them back after the holidays to set up a payment plain and he became rude and started insisting that I pay the debt in full at that time. He keep going on and on harassing me. I called back later to request a different person that I could work with to resolve my debt and a person by the name of XXXX XXXX started yelling at me and being abusive about my outstanding debt and how long it had been outstanding. He was not will to work with me and I again request a person that was not abusive. I have tried to contact the administrator there and keep getting XXXX XXXX. He caused me of things that were not true. The other very rude persons name was XXXX. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24 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: NY

Complaint narrative:
i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately

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 2019-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
Law firm tenaglia and hunt XXXX County Superior Court special civil part they pretended to be attorneys representing XXXX XXXX XXXX in a debt collection case against me when they really weren't but that's not even what I'm talkin about today they put a bank levy on my bank account that was nothing but child support and spousal support directly deposited for my ex husband 's employer I filed a motion for objection I was heard the judge vacated the bank Levy I gave it to the bank and there is no money in the bank because they wrote a cashier 's check to tenaglia and hunt before the judge decided his order to vacate they stole my child support and my spousal support I want to sue them and I want my money back immediately his judgment exempt and they knew it cuz I called them and told him it was child support and alimony and I wrote them same thing they had no right to take

Company response to consumer: Closed with explanation