vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with XXXX, XXXX   and Equifax several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I ordered a XXXX 49 inch Model number XXXX from the XXXX at XXXX XXXX   XXXX, XXXX, NY XXXX for {$760.00}. I arranged for myself to pick it up on XX/XX/XXXX at the XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/XXXX at XXXX XXXX, I received an e-mail from XXXX XXXX that my order was picked up. I did not pick up this item nor did I give anyone consent to pick it up for me. I called as soon as I saw the e-mail but they were already closed I went to the XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY XXXX the following day to straighten this matter out. I explained to the manager XXXX that I never picked up my order or authorized anyone to pick it up for me. She stated that she was going to look at the video from the night before and that she would follow up with me the following day. She also asked for my drivers license that day and made a copy. 
The following day I never received a phone call and on Sunday XX/XX/XXXX, I returned to this location. The manager XXXX stated that she reviewed the video and that it looked like it was me that picked up the order and the person provided my id. I asked to see the video but she refused to show me. I asked to speak to a District Manager but she stated he was on vacation. I went straight to the closest police station ( XXXX precinct ) and the person at the front desk told me that it is a civil matter between myself and XXXX XXXX and unfortunately they would not be able to help me. They told me the best thing for me to do is get in contact with my credit card company which I did when I got home that day. 
It is obvious to me that this was an inside theft by XXXX XXXX   employees. No one knew that I had ordered a TV, and I have never lost a drivers license. I have never had any issue like this before. I have been a loyal Capital One customer for 12 years and expect Capital One to fight for me on my behalf. I would very much like to see the video of this transaction to prove that it was not me who picked it up. I should not be liable for something that I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AMERICASH
State: WI

Complaint narrative:
I had taken out a loan for XXXX last XX/XX/XXXX and fell behind in payments. In XX/XX/XXXX. I filed a complaint and was given a payoff amout of XXXX. XXXX had said I had agreed when signing the loan to pay XXXX ( which I suppose with interest etc. would be accurate- but my loan was for XXXX- I never expected circumstances would prevent me from paying that off and having to pay the full XXXX ). XXXX told me the best deal he could make with me was XXXX, with a monthly payment of XXXX monthly from XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX a month consistently and on time, for a total of XXXX paid. Yet during this time I have continued to receive threatening letters with amounts that are not accurate. When I complain I am told to ignore them and all that I need to focus on is giving them XXXX a month from XX/XX/XXXX to XX/XX/XXXX. It is very difficult to trust and XX/XX/XXXX on paying this when threatened monthly with inaccurate information. In addition, I called recently as my employment status changed, along with a new car loan that I had to take on and supporting my XXXX daughter- and told them XXXX a month is no longer possible. XXXX, the man I call and pay monthly indicated he could stretch the loan out longer for about XXXX XXXX and something a month, then after conferring with XXXX ( the main boss ) I was told the best they could do was stretch it out by one month and I would owe XXXX a month, which is not possible. I just missed my XX/XX/XXXX payment ( first payment missed in 6 months ) and I am getting numerous phonecalls. Most troubling however is I got another letter recapping a broken promise. It has a past due amount of XXXX and is demanding payment in full. I am traumatized and baffled- if our promise was XXXX and I have paid XXXX the remaining balance is XXXX. If they accelerated it to the full XXXX - I still paid XXXX which leaves the balance at XXXX. Where is this XXXX coming from? The amount on the letter ( as always ) is confusing and misleading. anytime I call in the past- I am just told not to worry pay the XXXX until XX/XX/XXXX and I am fine. I can't continue to pay and blindly trust esp. when this amount per month is creating a financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
Harris and Harris debt collectors tried to reach my son at my phone number on XX/XX/XXXX. My son is on XXXX XXXX with the XXXX XXXX. They made a robo call to our phone number leaving a message that they wanted to speak to our son and have him call their number. 

I returned the call, I asked how do I know this was not a scam? She identified herself as Harris and Harris debt collectors and their client is the City of XXXX. She said they were trying to reach XXXX XXXX. They asked if they were speaking to " XXXX XXXX XXXX. '' I confirmed I was " XXXX XXXX XXXX. '' She said it was about an unpaid camera red light ticket in XXXX. I asked for the ticket number. She stated she needed to verify my address. I said, " OK. '' There was silence, then she said she needed my address. Go ahead. She said XXXX XXXX. I said no. She said she would remove my number from the file since it was the wrong address. 

Then on XX/XX/XXXX my wife received a live phone call from Harris and Harris after they had said they were removing the number. 

It should be noted that on the date that XXXX XXXX was alleged to have run a red light he was in basic training for the XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My now ex husband applied for a home equity loan in 2004. When the agent came to close the loan at our house she required me to sign all of the documents including the applications. At the time I did not know any better. My husband defaulted on the loan, I started to dispute the validity of the loan. At the time of the loan, I did not work, was not on the first mortgage to the home and did not apply jointly for the loan. I have sent numerous certified letters to Ditech ( XXXX XXXX/Greentree ) requesting the application and underwriting of the loan. I have been given the run around for a year and a half. They originally would only send me the promissory note and a payment schedule. I continued to call, email, and send registered letters for the application and underwriting package. They would not send it. I spoke to their attorney who verified they sent it to someone else 's address ( a relative of my ex ). Finally a year and half later I received the application. The typed one is signed and dated the day of closing, you can see that they typed a earlier date in the corner but the signature date is the date of closing. The handwritten one is not dated at all.. I never received the underwriting. They filed a judgment against me, which I had no knowledge of and I recently had to pay them over XXXX dollars from the sale of my house. Not the one for the HELOC. I told them I would still dispute it but I had to sell the house or risk bankruptcy. Lastly they have yet to even satisfy the judgment 2 months after receiving my funds. The bottom line is I did not apply for joint credit. I did not sign the application at the time of application. My husband ( ex now ) was approved for this without me. I did not work or contribute to the income.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX  has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us XXXX XXXX XXXX  written reply. XXXX  immediately removed the false report from their listing. Equifax took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of XXXX response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX   XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX  XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: WV

Complaint narrative:
I have disputed identity theft on my credit report multiple times. I have submitted police reports, fraud affidavit, FTC identity theft reports ... all to no avail. I have fraudulent inquiries from creditors which are also lowering my scores. They have told me they didn't " receive '' my documents, my documents weren't sufficient ... basically I've been getting the run around and my credit report isn't fixed. It is hurting me from getting a home and it isn't fair because it's IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but Synchrony Bank refused to help me.

It is unfortunate, but Synchrony Banks Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While Sunchrony Bank may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

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 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
We moved out of our old apartment and broke the lease. However we aren't required to pay a penalty due to an error by our property management company. we notified the property management company on XX/XX/XXXX. that we are not legally required to pay the penatly to break the lease. we sent them an letter on XX/XX/XXXX as well stating all the infractions that they violated. They submitted our penatly to a collections agency anyway and we sent hem a letter on XX/XX/XXXX notifying we we wont have to pay this penatly. we received a letter on XX/XX/XXXX saying that our debt wil be sent to the collection agency if we did not pay within 10 days. The collections agency started leaving voicmails on girlfiends and I 's phone XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, leaving a voiemail each time. on XX/XX/XXXX we received a letter in the mail from the collections agency saying we owed money to them. and that we can dispute the charges within the next 30 days.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
We initiated the mortgage loan process the first week of XX/XX/XXXX with Fifth Third Bank. Based on our credit score ( XXXX & above ) for both of us, the bank offered us 4.5 % at that time. 

On XX/XX/XXXX, we were given a written letter from the bank with a locked in interest rate of 4.500 %, with an expiration date of XX/XX/XXXX. We decided to proceed with this loan and confirmed with the seller of  closing date of XX/XX/XXXX. 

Everything was going smooth until we got the CD ( closing disclosure ) from Fifth third bank on XX/XX/XXXX ( 3 days before closing ), were they changed the promised interest rate from 4.500 % to 5.25 %. This was not communicated with us verbally or in writing prior to that date and was a surprise to us. We inquired about this with the bank and did not get a satisfactory answer. The bank put us in a very difficult situation 3 days prior to our scheduled & confirmed closing. 

Being that we are first time home buyers and after investing so much money, time and effort into this loan process we could not afford to back out from this at the last minute. We had already incurred many cost and paid deposit money to seller, application fee, inspection fee, appraisal fee, and all initial expense including the insurance. 

Prior to closing date, we were told by Fifth Third Bank that we did not need to take any money to closing as we were eligible for some discount from the bank and get a refund check ( evidenced by an email sent by them to us ). This was also included in the CD ( closing disclosure ) sent out by the bank. When we reached the closing attorney 's office on closing date on XX/XX/XXXX, we were asked to pay {$1200.00} as closing charge which was never communicated to us verbally or in writing by the bank. We had no other choice and was rather in a bind and were forced to come up with the money 1 hour prior to closing time. 

At the attorney 's office, we saw that all the documents had new interest rate. The documents were pre-dated, which were not clearly addressed/informed to us until 1 hour prior to the closing. We only received the updated closing document via email one and a hour prior to the closing time. 

Also Fifth Third Bank initially told us that there was a 0.25 % discount on interest rate if we set up Fifth Third Bank checkings/savings account. Believing everything that they said- we did open the account. Unfortunately with the new rate ( which we were not aware of ), reflected a 0.25 % discount applied to it. We found that out when the attorney 's office called the bank during closing ( as we were signing documents ). 

We feel cheated and forced into closing with the rate not disclosed to us and also forced us to pay over {$1200.00} which was never communicated to us verbally or in writing until few hours before the closing. The bank was clearly taking the advantage of us being novice home buyers and exploiting our situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GMFS, LLC
State: AR

Complaint narrative:
XXXX XXXX Been customer for 2+ years - never missed a payment Keep calling and saying they are a debt collector Tell me I've missed 2 payments and try to collect the money over the phone All of my payments have cleared my bank. I have shared that with them. 
They said they would not call me back - called today and tried to collect payment. 
Current Mortgage Payment cleared on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/18 this company signed for a certified return mail receipt for a dispute against this company. Tracking number is XXXX XXXX XXXX. Per The Fair Debt Collection and The Fair Credit Reporting Acts ( Section 807 ( 8 ) and 623 ( a ) ( 3 ) ; XXXX XXXX had 30 days to mark my account disputed, which they failed to do and it is a FEDERAL OFFENSE

Company response to consumer: Closed with explanation