vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have written, called Flagstar Bank , FSB regarding my status as a XXXX veteran and its refusal after multiple contacts by myself to stop escrowing property taxes that my city/state has granted me an exemption from. 

Our local tax authority here in XXXX XXXX meets several times per year to review documents received from the XXXX veteran proving his or her qualification for this benefit. Apparently in early 2018 I either missed a submission of this proof or it was lost somewhere before reaching the board. It has since been approved. 

I am including copies of documents received from XXXX XXXX indicating I am exempt from these taxes and they should stop escrowing for them. The improper escrowing of property tax I do not owe is costing me approximately {$350.00} more PER MONTH, I would like them to return my house payments to the amount we budgeted for when we signed the documents for the mortgage which was {$1000.00}. 

I provided documentation to Flagstar Bank on XX/XX/2018 as requested to enable them to do a new escrow analysis, and I have not received one as of yet. The last escrow analysis was run on XX/XX/2018 2018

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 2019-01-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am having problems with the bank that Fema uses JP Morgan - a lady just called me, and this is the problem -I put in a dispute last XX/XX/2018 with J P Morgan Bank about XXXX XXXXwhich is a Travel agency with the XXXX XXXX XXXX  that I stayed at deals with. I only stayed at this hotel because all others were booked in XXXX Florida because of a football game, any way I called the XXXX  XXXX made sure they had availabily and they did -so I went there for 5 days and when I asked them for a billing invoice they refused and were whispering underneath their breath, so I thought at least I would get before I left the hotel, but they refused and said that I had to contact their travel agency- now J P Morgan first had this lady to handel my case with the last name XXXX- who did nothing so I called J P Morgan s executive office and reported that this might have some discrimination, because XXXX and XXXX were both XXXX - then they got a lady named XXXX XXXX and she wants to go by any paper work that XXXX writes up XXXX and I told her anyone can type up a paper with no signature on it and say I did or any one else did sign up, now they sent all but {$400.00} and this bank has been sneaky and underhanded from the start- they told me they need to check a few more things while keeping me waiting for money that I sent to them. This was reported back in XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls representative refused to escalate my call in regards to a payment and closed my account without my consent. I have requested that no credit inquires be placed on any credit. I spoke with several representatives and all where unwilling to assist our answer my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a previous complaint about missing funds. A charge was made in the amount of XXXX from XXXX XXXX on XX/XX/2019. I wasnt at the gas station that day.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to get a new and I was denied. I ask to speak with the finance manager and he  went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: FL

Complaint narrative:
i have been attempting to get Equifax report and score as well and their customer service team has no idea why customer keep getting error messages. THis appears to be widespread and their own reps say this has been escalated for months to their technology team. There are blogs on my fico speaking about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TX

Complaint narrative:
My Equifax score is over 100pts lower than the other two major agencies. I spent 2 hours  over the phone speaking to a bunch of people in XXXX who have my sensitive data, and are holding it hostage, and lying about me to anyone who reads their report. Their information is so outdated/flat out incorrect that I can not verify my identity to their satisfaction. Seems like a racket. They wont even give me a score for free. It's all a racket with our data. These jokers couldn't even keep said data safe. They should be shut down by congress. Neither of the other two agencies operate like this. I've disputed things easily with them and had them removed. Equifax added stuff the last time I tried to dispute. They're a cancer to our society, and totally inept at their job. There are easily 5+ closed  accounts that are over a decade old on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management sent the enclosed letter on XX/XX/XXXX when I got it, stating they have tried to contact me several times I request a copy of there mail receipt showing there documents sent to me.. a certified copy of a alleged contract with myself the furnisher and Midland on the original contract. Threatening me with a law suit after claiming they contacted me with no evidence. The enclosed letter was fax to them on XX/XX/XXXX only after I called them for the fax, First refusing to give it to me Because I said I was recording to as they were..Please not the letter sent to Midland Section 73 American Jurisprudence { Am Jur } 2nd Sect 93 Stats that a third party can NOT enter to or on a contract, Subrogation does not exist for a stranger not originally name on a contract where bought sold traded, given please provide all documents that I request in my letter faxed to you in deTail Every thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having an extremely difficult time getting Experian to remove an alleged account placed on my credit report through Experian. The account in mention is actually an account I have also sent to you ( CFPB ). The account name is XXXX XXXX XXXX. I have disputed this account with Experian online as well as talking to a live person via phone. I have explained to them numerous times that I do not know of this alleged account. I sent a letter of validation to this company and they COULD NOT VALIDATE this alleged account. I have shared all of this information with Experian yet they continue to say that the company certify the information as correct. This is NOT CORRECT. On one occasion, Experian replied over night while the company reporting was not even open. 
This is a violation of my consumer rights under the FDCPA/FCRA and Experian is now participating in this violation. I filed XXXX XXXX XXXX complaint with you ( CFPB ) approximately XX/XX/XXXX19. Your filed complaint # is : XXXX-XXXX. 
Experian needs to remove this from my credit report immediately. 
Experian is only going on the fact that this company is saying the alleged account is correct. I am showing PROOF that this is not correct nor is it my account.

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 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone applied a capitol one bank account in my name and I never opened it up at all .... and I was in prison for 6 years and they refused to closed it and told me it will be on my credit report very soon if I dont settle the balance and I called and called they kept denying my claim and holding me responsible for it and said that my social security number was on the file with them for four years or more and I never had a bank account or a job cause I was in XXXX and my wife or her friends may be using my information and capitol one was applied in my name without my permiission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
On the afternoon of Thursday, XX/XX/XXXX, I entered my information at XXXX indicating my interest in a {$23000.00} personal loan. After completing the information, I was presented with several loan offers. I clicked 'Continue ' on an offer from XXXX. I assumed that they were able to extend these offers after doing a soft-pull on my credit report and that the offers were legitimate and not just click-bait to get you to apply. I was then taken to XXXX 's application page where I completed the rest of the customary loan application information. After hitting the submit button, I was notified by my credit monitoring services that XXXX had done a hard-pull on my XXXX  and XXXX  credit bureaus. This was expected. Then XXXX informed me that my request had been denied. This was NOT expected. If I had thought they were going to deny the application, then I would not have applied. Now I have 2 new inquiries on these bureaus that will affect my score and my ability to borrow funds in the future. If the 'offers ' from XXXX were conditional, they should have made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust bank did not refund the entire rejected wire transfer amount.

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 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made contact with XXXX  Visa credit -XXXX XXXX   regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.

As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.

So, since then I have been getting calls and texts. I contacted them today and was my account is behind.

I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind. 
I had made a partial payment yesterday and was the other half by the due as expressed on the statement. 
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.

My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today.. 
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: MD

Complaint narrative:
Company is reporting this account on all three of my credit reports as bad debt, this is not my account. I have reached out to the company and asked for verification of the debt. The account was opened XX/XX/XXXX and I contacted them on XX/XX/XXXX about the issue and it did not get resolved.

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 2019-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
XX/XX/2019 worked with a 3rd party company named XXXX they submitted our package on our behalf for Loss Mitigation Assistance Mod denied because XX/XX/2019 they were offered previous Flex Mod Trial plan and borrower was not aware so we did not accept Ditech failed to provide us proof that letter of approved trial was sent to us by mail, the 3rd party wrote a letter and that was not acceptable Ditech fails to communicate for alternative options Ditech does not return calls, We have a foreclosure sale on our property for XX/XX/2019

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired.

Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.

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 2019-01-24 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: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
XXXX XXXX / XXXX XXXX sent information to Stark Agency that I owed them {$2900.00}. Stark Agency then put this amount as a delinquent/in collections amount on my credit report, having their lawyer XXXX XXXX send me a letter requesting this amount. After speaking with XXXX at Stark agency, he let me know they said I owed 5 months rent ( XXXX - XXXX of 2017 ) as well as a {$200.00} stay over fee for moving out late. None of this is true. I paid all months rent and notified XXXX XXXX of this. I think it is outrageous that a company can make such a claim without any proof and without notifying me of this, then another company can simply place it on my credit report! I would like this looked into because after reviewing this company on the internet, it seems they do this frequently to people with no regard for honesty, communication, integrity, or the law ( as it seems like flat out fraud )!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX turned me down for a loan saying that I owed XXXX XXXX XXXX   {$150.00} dollars but checked after I had paid off my truck and they said I never owed them any money. Please I have paper work saying I dont owe them anything

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 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: OH

Complaint narrative:
They try to sent an collection notice to me but on on the purpose sent to the wrong address. and keeping telling me about that if I not pay for and it will be damage your credit so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called Wells Fargo Home Mortgage to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and XXXX  ( XXXX XXXX ) and Wells Fargo app. 

Additionally, considering how fraudulent WF has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

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 2019-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: ID

Complaint narrative:
I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. 

On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. 

I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. 

Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. 

I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?

Company response to consumer: Closed with explanation