vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: NY

Complaint narrative:
One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion 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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 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 have uploaded documents to Experian to demonstrate that I do not owe on a XXXX XXXX student loan. I have provided proof of earlier credit reports, as well as the statement from XXXX from XXXX years ago regarding this matter. Experian lists the wrong number for XXXX ; therefore, I can not contact them to have a discussion about this, and XXXX won't respond when you call numbers available to search on the Internet. I can not have been 60 days past due in XXXX when the debt was paid in full in XXXX. They are doing this to re-age a debt and keep it fraudulently listed on my credit. The financial services industry is in complete chaos, and I am getting ready to initiate a lawsuit against all parties responsible for this. I am tired of having my credit tarnished when I have specifically chosen not to have any credit at all since the XXXX of XXXX. I don't want to participate in this insanity. Please appropriately regulate these industries. They are colluding with the government to engage in the wholesale fleecing of the American public.

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 2018-02-26 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: TX

Complaint narrative:
I sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , Transunion , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX   send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XXXX of XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XXXX of XXXX they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.

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 2018-02-26 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: NC

Complaint narrative:
1 ) XXXX XXXX # XXXX For XXXX XX/XX/XXXX, I have not lived in that house in over six years. Had no balance when I moved. Anything accrued after XX/XX/XXXX was landlords ' responsibility. That property was a XXXX house. 

2 ) XXXX XXXX XXXX # XXXX For XXXX. This charge should have been removed in XXXX. I opened a PUC Case In XXXX which ruled in my favor. I moved from the state of PA XX/XX/XXXX. How in the world do they submit to the credit bureau a charge I was billed in error, which should have been adjusted a long time ago on my credit report in XXXX? 

3 ) XXXX XXXX XXXX for XXXX. # XXXX. Reported XX/XX/XXXX, for {$160.00}. 

Incorrect Billing my final bill was {$130.00} and they owed me an adjustment off of that amount for {$25.00} for charging me shipping of an emergency phone. I was told by a representative they would adjust the {$25.00} off the {$130.00} since I was told they were shipping it for free. To date, they have not adjusted the charge and have added additional fees. 

4 ) XXXX XXXX gave me a card for {$250.00} only. They claimed that the last payment was recieved in XX/XX/XXXX. According to my records the balance was paid in full by XX/XX/XXXX. I have not used that card in years. Please request a full detail of all payments I made from the time I received that card in XXXX. Where did {$420.00} come from many years later. 

5 ) XXXX XXXX  XXXX XXXX # XXXX. 
XXXX XXXX owed me {$300.00} For signing up first time customer and staying with them 90 days with all payments on time. I repeatedly called and request my credit which I was informed by several supervisors ; I have their names, dates I spoke with them and their I'd numbers that I would receive my credit. To date all that they gave me was {$110.00}. From my record they still owe me {$180.00}. These companies believe in cheating consumers out of their credit.

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 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Since they began servicing my loan, Caliber has sent my tax payment to the wrong address. The previous 2 years ( XX/XX/XXXX ), I have had to work with the municipality to trace it and get it properly applied, incurring late fees. I have addressed this with Caliber every year and they still have not changed it. My recent conversations have gotten them to correct the billing address, but they paid my XX/XX/XXXX taxes twice with my money. Now they are asking for an escrow increase to cover the shortfall, rather than trace the XX/XX/XXXX payment. I have spent hours on the phone with them and they do not seem to care, they just send me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
My mother XXXX XXXX XXXX has a VA Loan the servicing was recently purchased by LoanCare. She has been making her payment to another company with a tax exemption. She is an XXXX XXXX XXXX XXXX widow. XXXX took over her loan that had a payment of XXXX monthly in XXXX. They recently sent her an escrow statement stating she has an escrow shortage of {$1100.00} and that they are raising her mortgage payment on XX/XX/2018 to {$1600.00}. She has sent the Exemption letter to their office and phoned them on several occasions with no solution. They keep telling her to send it to their Florida office that they do not handle it. I personally sent the Tax exemption letter to all 3 addresses listed on back of her payment letter. The only response she has received is this letter stating they are now raising her payment not reducing it. I have been advised to send a letter to them directly and carbon copy the CFPB on the letter to see if we can get a solution. My mother is old and lost her husband a few years back and does not need this stress.

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 2018-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
I was forced to join XXXX XXXX XXXX and required to pay {$14.00} for credit reports which were never delivered. I was told I had to Pay a fee of {$100.00} monthly if I did not cancel within 2 days. I was to receive a phone call this morning to discuss my program which I never requested, and the firm never returned my call. I sent 2 emails, made 3 attempts to contact the company. after the 2nd attempt. I was connected and then they disconnected the call. On the 3rd phone call I finally talked to a Paralegal named XXXX. after 1 hour they finally agree to cancel my service..

This company uses unethical tactics t join their company and they should be warned not to use such unethical tactics to obtain clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I presented the signed Authorization to release information to Wells Fargo on XXXX XXXX XXXX, XXXX, Oregon. This form was faxed XX/XX/2018 XXXXXXXX XXXX to XXXX. We subsequently got a call from a Wells Fargo agent who stated that I could have access to the information not have online access at all. 

We now want to get away from Wells Fargo and not be connected to them in any way or manner. They have not done anything to FIX this problem and have said conflicting things throughout our attempt to work with them. 

On a scale of 1-10 my stress level is 25!

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Credit Card through Costco * Debt originated from automatic annual Costco membership fee of {$55.00} * Attempted to close this account since XX/XX/XXXX, as his Attorney in Fact. 
Capital One refused to accept my valid Power of Attorney ( Attorney in Fact ), along with my valid, current drivers license for identification, even though it was faxed, mailed and emailed to them multiple times. 
Capital One would not discuss the account with me or my attorney. 
* The referenced debt is indeed invalid and is comprised ONLY of late fees and interest Costco eventually refunded the membership fee to me. 
I sent Capital One the {$55.00} owed to them. They promised to reverse the interest and late fees, but have not done so. 
Capital One sold the account to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
My Fear is the submission of a lien against the Estate collect this false debt. 


I am enclosing the following additional documentation : Enclosure 1 : A copy of your letter to XXXX dated XX/XX/XXXX. 
Enclosure 2 : A copy of Capital One letter requesting my personal data dated XXXX. 
Enclosure 3 : A chronological summary of events covering the last year of dealing with Capital One Enclosure 4 : A chronological copy ( newest to oldest ) of faxes sent to Capital One. 
Enclosure 5 : A copy of my Power of Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Struggling to pay mortgage, loosing my home to foreclosure. Had this arrangement with OCWEN property foreclosure which OCWEN now denies. Believe should of received compensation as per OCWEN. OCWEN send me an eligible application, when I submitted it they denied me. See documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I originally had an account with capital one back in XX/XX/XXXX I could not pay the card off so my account went into a charge off status capital one sent my account to a collection agency called XXXX XXXX XXXX XXXX and I made a settlement agreement the original balance was for XXXX XXXX XXXX settled the account with me for a total of XXXX the first XXXX dollars I paid on XX/XX/XXXX and the second payment of XXXX was going to be paid on XX/XX/XXXX I called client services on XX/XX/XXXX to make my final payment and I was told that capital one took the account away from them. Capital one has a payment of XXXX dollars from me this is unacceptable and I want this situation resolved. I have been trying to call XXXX XXXX at Capital One to resolve this but she has not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Account has been closed on XX/XX/2017 on the XXXX account i have with the store XXXX XXXX the amount of XXXX has been fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. 
The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. 
Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.

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 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's 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 explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received several messages today from XXXX. They have called myself and every family member and threatened to take legal action against me. When I called back the statements he was making were false. I asked for his fax # and please and not contact any of my family member 's. The account he spoke about has been in active for 7 years. He quickly started calling me names and hung up on me. When I tried to call back he used more false statements and said he would call everyone I knew to tell them about me. Now he is calling my children 's phones.

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt.

Company response to consumer: Closed with non-monetary relief