vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX  continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

XXXX  previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX, balance {$490.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX  ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, XXXX has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX  XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One has been made aware that their has been fraudulent activity using my Social Security Number and name. Someone added an authorized user on my account with a separate card sent to them at a different address. Requested that the accounts be closed. Two months  later I receive a request for copies of my drivers license and social security card in order to open a new account. Someone had placed a hold on my mail around this time, contacted them and said that I had not applied for a card and to close any accounts. They said it would be taken care of, a couple days later I received a notice stating my new card was sent and I should have received it by now. Called again and the first person said there was an account open and connected me to their supervisor who stated that all accounts were closed. Called again today because I saw that a letter from them was supposed to have arrived today and had not. Apparently another account was opened in my name, what am I supposed to do? My credit reports are locked at two of the  reporting agencies yet they keep opening accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from Citi Bank are present on my credit report. 

I've gone to Citi personally with my neighbor to get assistance with the error. Citi refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
Citi bank refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from The XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
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 explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants , INC is attempting to collect a debt from me in the amount of {$1100.00} which i am not responsible for and is reporting this fraudulent debt to the credit bureaus in my name. i have been contacting the company since XX/XX/2019 and requesting that they remove this account from my credit reports as it is fraudulent but they refuse. i received a letter from them on XX/XX/2019 stating that will not stop reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NH

Complaint narrative:
A company named XXXX XXXX XXXX XXXX, etc.filed a collection request to XXXX XXXX 2 weeks ago for non payment. The credit bureau they had used gave them bad info, using my name and birthdate instead of the real person. XX/XX/XXXX I called the police and was interviewed by Officer XXXX XXXX of the XXXX Nh police dept. I also contacted the company who sold the equipment and the collection agency. By XXXX that afternoon, Officer XXXX had contacted the collection agency and had investigated, finding out the real customer who defrauded the company. Her name is apparently XXXX XXXX with my same birthdate. Upon investigating, Officer XXXX found out that this woman gave a SS # that was hers, and not mine. When the company realized she had ripped them off, they turned it over to XXXX XXXX. The collection agency gave Officer XXXX. the info they had and she found out where the woman lived and one of them even gave the woman 's email address, all of which I have. Yesterday, On XX/XX/XXXX, Officer XXXX. called me to tell me that XXXX XXXX had done its own due diligence and realized I was a fraud victim and they promised her they would clear up my credit as soon as possible. In the meantime, I filed fraud warnings on all 3 credit bureaus and my bank. But today I got a notice from Experian  saying XXXX XXXX was refusing to clear my name. I have called Officer XXXX again ( in tears ). I can not find a link on Experian to further protest this fraud and no one answers the phone. Plus XXXX hung up on me, and no one from the collection agency would speak to me. 

XXXX operates out of Utah ; one of their phone numbers is XXXX. XXXX XXXX. Please help me. I suffer from an XXXX XXXXr as it is ; thi is causing me illness. 

My name is XXXX XXXX ; I live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NH and my email address is 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 non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
After the banking crisis of XX/XX/XXXX thru XX/XX/XXXX, we were foreclosed on our home and getting ready to be sued by many credit card creditors. We advised them all that we would be forced to leave our home and file bankruptcy. Each of the creditors on our credit cards wrote the debt off in charge-offs to use their term including XXXX, Citibank, and XXXX XXXX. By cashing in 401K 's and other retirement investments, we were able to save our home from bankruptcy. In XX/XX/XXXX, we qualified for re-fi under HARP.

In XX/XX/XXXX, we received a letter from XXXX XXXX XXXX out of XXXX, AZ they were hired by a debt collection firm, XXXX XXXX from Ohio to collect debt from the charge-off to Citibank. Apparently, they assumed we knew what they were talking about but in the meantime, we were sued in XXXX County Courts to discharge a debt of approx. {$750.00} which ballooned to {$2500.00} plus costs to discharge this lien. We got a letter from our bank XXXX, my wife 's earnings were going to be garnisheed for this debt. In the next 2-3 years, we scrimped and saved and paid off this debt. On XX/XX/XXXX a release of lien was recorded stating this debt was completely satisfied. I do not know the total we paid but it was more than {$2500.00}. 
Since last year, we stated getting calls to call their office over a debt not paid by us and we should call immediately or legal action may be taken against. These folks have called me daily minimum and usually 3 or 4 times a day. In the duration, we were called as early as XXXX XXXX plus later than XXXX XXXX. On one of the first calls taken, I asked the source of the debt hey we calling on and they explained it was the same Citi-Bank card paid off in XX/XX/XXXX. I told the person we paid that card off in full on XX/XX/XXXX and offered to send them a copy of the filing but they took only the Case file # XXXX but they told me it was not necessary to send to them. They asked how much I paid around {$4400.00} in the balance owed plus fees The calls have never stopped and became onerous.

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 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
MY MOM HAD PUT A CHECK INTO MY ACCOUNT AND I DIDNT KNOW UNTIL THE BANK CALLED ME AND TOLD ME THAT THE CHECK WAS NOT REAL SO I ASKED THE BANK WHAT SHOULD I TEY TOLD ME TO FILE A POLICE REPORT AND I SHOULD BE FINE AND THATS WHAT I DID AND THAT WAS NOT TRUE THE CLOSED MY ACCOUNT AND THEY REPORTED IT TO EARLY WARNINGS SYSTEMS I GOT LIED TOT HE WHOLE WAY AROUND

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 2019-07-18 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX PHH Mortgage report both me and my wife delinquent for the month of XX/XX/XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from XXXX stating that they have completed their investigation and sided with PHH based on their recommendation not to change the status.. I tried to explain that the month of XX/XX/XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

PHH is a subsidiary of Ocwen Financial. They have been previously sued for this same XXXX XXXX demand letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My two student loans were consolidated under XXXX XXXX XXXX in XXXX of XXXX at a combined total of {$41000.00}. Several times I inquired about how payments are applied and my balance. At XXXX point, XXXX XXXX, XXXX, I had paid a total of $ XXXX.Of this amount, {$230.00} has applied to late fees, {$15000.00} has applied to interest and the remainder of {$2600.00} has applied to the principal balance of the loan bringing it down the balance only {$39000.00}. Incredible, so after 7 years at that point, I'd only paid off less than {$3000.00} of the principal. Doesn't add up. 

I inquired about extra payments I made and received this statement, " We are unable to apply funds to the principal balance unless the late fees and the unpaid interest is satisfied. Therefore, if you are making extra payments or payments above and beyond the minimum monthly payment we can not designate for those funds to be applied directly to principal unless the above information has been satisfied. '' Very confusing statement as if I do not have any late fees or unpaid interest after making payment, anything extra should go directly towards the principal. I made extra payments often. Never the case. Most late fees came from issues with the site and payment processing. 

In XXXX XXXX, my loans were transferred to Navient by XXXX. I'm having a similar issue with payment calculations. As of today according to Navient, XX/XX/XXXX, I still owe {$44000.00} over the next 13 years until XXXX on top of nearly the $ 25,000+ I've paid between XXXX and Navient. To add insult to injury, Navient marked my first two payments late even though I was never notified of the due dates or anything of that after they were transferred. I received an email stating I'd receive information and the next communication I received was an overdue notice. 

This is unacceptable and unfair to the consumer because there is little we can do to rectify the situation. It doesn't take a genius to see what's happening as payments are applied in a fashion to keep the consumer in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I was told one month ago that my debit card was to be deactivated following exposure to a breach at a retailer. 

I was told they were sending a new card. It never arrived. I called in to the bank on three further occasions and was told on all of those occasions a new card would be issued. So far I have not received one. 

Further, when I called the bank the last time, I was told that there was nothing wrong with my card and it would not be shut off. 

2 days later, my card was shut off and since they do not have physical branches in my vicinity, I have been completely shut off from my accounts. 

I do not have a way to pay for food, travel or anything else until this is resolved. 

They have since offered to send me a new card in 3 business days, however I have prepaid for a vacation with my family in XXXX 1 day from now, and to attend a friends wedding, and stand to lose a significant amount of money as a result of the bank 's error. 

I have asked repeatedly over the last few days to be connected with a manager and have been directed in circles between different people and departments and have not been able to speak to one. 

I missed a full day of work trying to resolve 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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and saw that XXXX had a entry on my credit report. I do not have any dealings with XXXX. I called XXXX but was put on hold for more than an hour. No one answered. This is an invalid entry. I have nothing to do with XXXX. I want this removed from my credit report. I made an inquiry but I did not open an account with them.

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 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
New home constructed XXXX, purchased in XX/XX/XXXX. Lender calculated property taxes into PITI. Loan then bought from lender by AmeriHome. XX/XX/XXXX, AmeriHome sent ltr increasing Escrow tax  deduction w/o explanation to be eff XX/XX/XXXX. My research disclosed XXXX County, AZ documents that property was to be assessed for tax years XXXX & XXXX as 'Vacant Land '. I sent 3 email msgs to AmeriHome w/county document. AmeriHome did not accept county document or my challenge. XX/XX/XXXX, ltr to AmeriHome asking for answer to email msgs & decision. XX/XX/XXXX, lady called from AmeriHome tax dept saying they had document from XXXX County that taxes due XX/XX/XXXX exceeded {$2200.00}. She declined to provide copy of document & said she'd call back in 2-3 days - no call or ltr to date. Called County Treasurer & told no ltr was sent to AmeriHome & allegation of {$2200.00} taxes due in XX/XX/XXXX is false! He told me taxes are NOT assessed by Assessor until late XX/XX/XXXX of current taxable yr. The assessed value is then sent to Treasurer for review & evaluation. Treasurer ofc then applies County formula for taxing B/4 being sent to pty responsible for payment - ( 1st half in XXXX, 2nd half in upcoming XXXX ). Reaffirmed that my property was to be assessed as Vacant Land until XXXX tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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 ; XXXX and XXXX  are reporting incorrectly ( 90 ) plus  days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of  the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
I paid off my mortgage in full on XX/XX/XXXX with Sierra Pacific Mortgage Company. Due to escrow closing earlier than expected, I overpaid by about 2,000 , and my mortgage company said I would be issued a refund check. 

I had originally submitted a change of address form to my new address in XX/XX/XXXX of this year, but my mortgage company did not process this change in address and failed to tell this to me. 

Then, I called my mortgage company after closing, and they said they would mail the refund check to my new address. 

In XX/XX/XXXX, I called to inquire about the status of my refund, and they said they had mailed it to my old address - the house I sold in XX/XX/XXXX!!! 

I have since gone back and forth with them multiple times, and they still have not sent me my refund check to my new address, even though I keep sending them all of the forms and documents they ask for. I call each week, and each week they say they will take care of it, but then next week, the new person says the previous person didn't complete the required actions. 

They also refuse to call me when they have done anything, and insist I keep calling them for status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

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 2019-07-18 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: CA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of the attached credit report. ) I have made multiple consecutive payments on these accounts  and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.

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