vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Ditech transferred my mortgage to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. I did not receive the goodbye letter nor the hello letter, but they did transfer my payment that were set up on bill pay, per RESPA, for the first 60 days. However,XX/XX/XXXX, I called Ditech to get my 1098 information, which was the first time I was made aware my loan was transferred. I then began contact Ditech to track down my payment, and request for it to be sent to XXXX. To date, I have contacted DitechXX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, and today, XX/XX/, sometimes more than once a day. Each time I was promised this would be escalated to a supervisor for a call back to me within 24 hours. I have NEVER received a call back, I receive conflicting information each time I have called, from being told it will be received by XXXX no later than XX/XX/ ( still hasnt happened ), to they will will wire to my bank account and took my bank information ( which I was told on XX/XX/ they dont return directly to customers accounts, so now they have by routing and checking account number ), to it takes 30 days to get the funds to either XXXX  or me, depending on who you speak with. In the mean time, I had to borrow the money to make the XX/XX/ payment to XXXX so this would not negatively impact my credit. In the meantime, Ditech is holding me and my money hostage, and I am not receiving good customer service. They are just hoping I will go away, which I will once the payment is returned to me or XXXX. Every Call Center I have spoken with is pleasant, except the one that disconnected me when I said I would hold for a supervisor and not wait for the call back that would never come, but they do not seem to have the proper training, nor the procedures in place to know how to handle these types of calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank- Failed to give notice related to provisional credit that had already been reverse twice before. The bank conducted a reverse on the same day as the provisional credit of {$300.00}. dollars was given in XXXX of 2017. In an effort to deceive the customer, capital one engage in another illegal reverse without notifying the customer also, when log-in account the record failed to show up dated information. Customer had fund of {$82.00} in account an made transactions unaware that Capital One conducted another revision of credit because, notification was not given until today by phone. Capital One agent at ph # XXXX ( female ) refused to provide info by mail and made " unethical-XXXX   comments '' by stating " You should Civil Rights and WHY HE WAS TREATING ME LIKE A XXXX UNEDUCATED " XXXX '' AND MAKING CORRECTIONS TO MY WORDS? This man stated he was the MANAGER of Deposit but why was he so UNPROFESSIONAL AND VIOLATED ALL MY HUMAN RIGHTS Along with Capital One. Capital one also charged me over draft fees which, would not have been applied if the reversal of the provisional credit was not on my account without any notice Capital One did this and also, never provide dates to which the provisional revision was going to be applied to my account. Capital one also have another account which they have stole over {$600.00} from me for someone else social security payment that was revised but, it was charged to me because the person passed away nor, was notice given before they took my money on money market saving account. WHY ARE THEY DOING ILLEGAL ACTS TO GET MONEY FROM CUSTOMERS? I Plan to take legal action if this is not corrected and the way I was treated by XXXX made no sense. I should not be judged on the XXXX of my RACE OR BACKGROUND>> I am very disappointed in CAPITAL ONE. I had been a CUSTOMER FOR OVER 8 YEARS TO BE TREATED LIKE TRASH AND VIOLATING MY RIGHTS IS NOT PROFESSIONAL ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
CONVERGENT OUTSOURCING, INC. refuses to respond to debt verification but continues to report an unverified debt to the credit bureaus.

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 2018-03-16 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: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A letter dated XX/XX/2018 stated my account with Capital One was closed on XX/XX/2018. 
I called Capital One and was told a letter should have been sent to you one month prior to that date. The reason it was closed because I did not use the card in over XXXX years. 
I spoke to XXXX @ XXXX XXXX XXXX XXXX ext XXXX. 
She gave me a case # XXXX. 
I read all my mail and never received any correspondence regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Called me at 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 2018-03-16 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: MI

Complaint narrative:
I sent a second re investigation letter into Experience along with additional proof of a collection on my report the is incorrect. Collection account name is XXXX XXXX. I received an email stating the debt remained. Around the week of XX/XX/XXXX I called Experian asking how this is possible with the proof that I sent in. The rep looked at my proof and said yeah she agreeded but just cant delete something and told me I need to work with the collection agency. I explained to her I have called them and faxed them and they refuse to speak with me. I went on explaining they are bulling me and know the debt is wrong. Also the amount showing owed doesn't even match what was billed to the insurance from the original party. 

The rep then went on to say she will call the collection agency. She called and stated XXXX told her to tell me to send them the proof directly. I said back to her how does that make any sense when your company already stated they showed them the proof with my dispute? Then went on this is what I mean that this company is trying to bully me. The rep told me there was nothing she can do. Experian is ruining my credit and are reporting incorrect information after a lot of proof as been provided.

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 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.

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 2018-03-16 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: Statebridge Company
State: TX

Complaint narrative:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX  XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} unverified debt XXXX XXXX XXXX XXXX {$1100.00} unverified debt XXXX XXXX XXXX XXXX {$2600.00} unverified debt

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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

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 2018-03-16 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: TX

Complaint narrative:
Unfortunately, I had a financial crisis in XX/XX/2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since XX/XX/2016, this finance company continues to report the account as active and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: TX

Complaint narrative:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

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 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On Friday, XX/XX/2018, I logged into my Western Union account to send money to an individual I had sent money to in the past. I put in all the required information and checked the card information twice. I tried unsuccessfully 4 times to send the money as I kept getting an error message via the website. I then called my financial institution to see if there was an issue with my card and was told no, that funds were available that they could see the transactions put they were coming through as {$0.00}. I then tried again with my financial institution on the phone and the transaction was still declined via Western Union. I then called Western Union to see what the issue was. I was told that even though I had sent money to this person before using the same card, that Western Union had put a block on my card. I wasn't given a reason or anything. And then the representative said I could call someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
The debt is court-cost misdemeanor fine of {$1600.00} incurred on XX/XX/XXXX. In writing with a Recorded, Certified letter, I asked company as to stop calling as of XX/XX/XXXX. I currently receive ONLY XXXX ( Federally determined XXXX ) as income appr. $ XXXX The last phone call was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After no less than 3 request ( this being # 4 ), Experian has refused to provide the name of the vendor supplying their public records information in malicious contempt for the following FCRA regulation : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.

This is my final request for this information before litigation. If Experian still refuses to provide the required information, no matter, I just what to firmly establish with the court that I have completely beyond exhausting all efforts in this matter ...

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 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX  ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX  and XXXX  reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require. 

I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: CT

Complaint narrative:
Experian continues to report inaccurate accounts on my report. I am NOT asking for disputes. I want these removed. ALL XXXX XXXX  XXXX accounts should be removed as they are breaking the FCRA laws. The information is inaccurate and they have me in their consumer affairs status when I call so that I can't speak to regular reps but they still have not corrected the issue. They even admitted to the reporting of XXXX XXXX XXXXXXXX that has deceptive reporting. Now their own site ( EXPERIAN ) states that for an account to report it must meet FCRA requirements such as regularly updating. It also states that utility companies do not typically report directly to Experian or other credit reporting companies. Because credit scores are calculated using information in your credit report, your utility payments would not be included in your credit scores. And this is on their own website but yet they continue to report inaccurate information. No one else is reporting this inaccurate information. This needs to stop now

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