vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have received numerous inquiries from Capital one and I did not authorize them. In addition, Capital one recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. Capital One sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I received repeated phone calls from company, I placed them on block and they will still call from another number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have purchase an item that I have never received on XX/XX/20 XXXX XXXX DE {$950.00}. I still haven't received this order. The picture I have sent to you is a sample picture that my supplier sent me to check the quality of the product. This ordered were cancelled due to the poor quality of the sample. I need to get my money back because I have never received any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Chicago Car Center, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 XXXX I dropped off my vehicle with the XXXX XXXX XXXX service repair department in XXXX XXXX XXXX, IL and they didn't have my vehicle ready till XX/XX/2020 XXXX. My finance payments are XXXX every 2 weeks and I belive my finance contract needs to be revised not deferred. A consumer isn't to pay a company for a product not being provided. 
They have withheld the vehicle over 45 days and I believe The Company is not entitled to any payment during that time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Our mortgage banker lied to us about processing times, and was shady about our interest rate. Dropping it a full 1 percent when we engaged with other lenders just ot keep us working with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Due to extreme hardship and unjustifiable increase in my escrow payment, I defaulted in my mortgage payment. Subsequently, PHH Mortgage predecessor mortgagee commenced a foreclosure proceeding against my property. I interposed an answer and i filed a modification application in my efforts to keep my home. On or about XXXX/XXXX/20, PHH Mortgage approved the modification application after two years. In consideration thereof, I was required to pay a monthly payment of {$2100.00} from XX/XX/XXXX2020 through XXXX 2020. I made all the required payments for the trial period and payment were accepted by PHH Mortgage. 

Subsequently, PHH Mortgage alleged that a title search was conducted and a tax lien was recorded against my property by The XXXX of XXXX XXXX. I promptly made the payment on XXXX/XXXX/20. However, due to the pandemic and specifically because most city employees worked from homes the Notice of Warrant Satisfaction was not prepared and filed expeditiously despite my request that time was of the essence. On XXXX XXXX, 2020, the XXXX XXXX XXXX Department of Finance processed and filed a satisfaction of Judgment with XXXX County. However, on XXXX XXXX, 2020, PHH mortgage denied and cancelled the modification agreement signed and completely performed by me in that I had already paid the three months trial period payments. 

PHH Mortgage in total regard to the prevailing pandemic in the country wherein most offices are not working at their full capacity unconscionably denied my modification application predicated on the fact that the XXXX of XXXX XXXX delayed in processing the Satisfaction of the within tax lien. 

It is noteworthy that I am not in violation of the modification agreement in that satisfaction of the aforesaid tax lien was not a condition precedent to have a final modification agreement. Also, I promptly made payment to the XXXX to satisfy the lien and the delay in filing satisfaction of lien was not my fault since I don't have control over the internal operation of XXXX XXXX XXXX Department of Finance. 

It is submitted that the PHH mortgage decision to denied and cancelled the modification agreement which they prepared and signed by me is capricious, arbitrary, unconscionable and breach of the same agreement since satisfaction of tax lien was not a condition to a final modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: IL

Complaint narrative:
I have received numerous inquiries from XXXX XXXX and I did not authorize them. In addition, XXXX XXXX recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. XXXX XXXX sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: IL

Complaint narrative:
I have received numerous inquiries from XXXX XXXX and I did not authorize them. In addition, XXXX XXXX recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. XXXX XXXX sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding 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 2020-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: AL

Complaint narrative:
I consolidated this loan from two loans of {$2500.00} each. Total of {$5000.00} borrowed. The loan was in forbearance for a number of years because I was not working. This caused it to increase to {$18000.00}. I have been paying on this loan for 7 years with an average payment of {$200.00} per month and the amount keeps increasing. I now owe {$26000.00}. This to me is unfair and abusive practice. It appears all payments are going toward interest only and at this rate I will be paying well into my retirement as I am approaching retirement age. Will I have to continue making payments well into retirement? At this point when will this debt be satisfied? According to my calculations I have paid this loan 3 times over. MOHELA is the loan servicer name. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

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 2020-12-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.

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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Tried to consolidate loan with company and they closed my account anyways and send it to collection. I kept getting repeated phone calls and letters from company trying to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: TX

Complaint narrative:
On XX/XX/2020 I sent disputes to the credit bureaus about accounts that are not mine. 30 days have passed and the accounts are still reporting on my credit report and I havent received any investigation results or notification that an investigation had started. To my understanding the credit bureaus have 30 days to respond and they didn't. According to the 611 ( a ) if an investigation isn't completed within that time frame the accounts must be deleted. 
I also sent another letter on XXXX XXXX and I still havent gotten a response. At this point I feel like the credit bureaus are ignoring me on purpose and this is pushing me to file litigation. I am being stressed out by this and me being a victim of the XX/XX/XXXX data breach just makes things worser. 

Please delete these accounts immediately.

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 2020-12-31 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: IA

Complaint narrative:
Im going over my TransUnion Credit Report and Im noticing that the Dept Of ED/XX/XX/XXXX accounts I previously disputed and were informed that they were verified, has no indication that they were previously disputed, which concerns me deeply. This a direct violation of the FCRA and leads me to believe that a proper lawful investigation never took place. Please remove these accounts from my credit report immediately. Thank you so much for your assistance 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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a gift card with {$250.00}. I activated the card. When I try to use it the transaction is declined. When I try the website to see the balance it does not recognize the 3 digit security code on the back of the card and after 3 attempts it has locked the card and says to call the number on the back of the card. When I call the number on the back of the card, the automated message can not find the card and then hangs up. There is no way to speak to anyone. They have essentially stolen my {$250.00} since I have no way to talk to anyone or get a replacement card.

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 2020-12-31 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: FL

Complaint narrative:
Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.

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 2020-12-31 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: LA

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus TransUnion, XX/XX/XXXX and XX/XX/XXXX to remove these accounts but they have to respond.

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 2020-12-31 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: LA

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XX/XX/XXXX and Equifax to remove these accounts but they have to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: CO

Complaint narrative:
I used to have internet service and a rented modem from XXXX XXXX XXXX. In XXXX of 2020, I moved out of state, and set up service shutoff with XXXX XXXX XXXX and received equipment return instructions over the phone. I followed these instructions ( basically a XXXX  dropoff ) and on XX/XX/2020, I received an email from XXXX XXXX XXXX that acknowledged return of the equipment. In the months following, I began receiving bills and calls from XXXX XXXX XXXX saying my account had a balance as a result of failure to return equipment. Each time, weather they called me, or I called them, I followed up with XXXX XXXX XXXX until their representatives told me that the issue had been resolved, my account had been settled, and I didn't owe anything. Apparently, those reps were lying, because I received a collections letter from Prince Parker and Associates attempting to collect the balance on the account that XXXX XXXX XXXX told me had been fixed. I had another 8 hours of calls with XXXX XXXX XXXX and Prince Parker trying to settle the issue. At no point during any of my calls with Prince Parker did they tell me I had an option to dispute. Both XX/XX/XXXXand Prince Parker have hidden contact information for an alleged department at XX/XX/XXXXthat can handle my issue, although both companies acknowledge that the department exists. Prince Parker refuses to provide adequate documentation of the dispute that I eventually managed to file ( at the suggestion of someone from XXXX, Prince Parker never told me that I could dispute ). They also refuse to address my dispute in a timely manner. Prince Parker also claims they sent out a first letter in XXXX, which I never received. Given that both of these companies seem dishonest and intent on XX/XX/XXXX over their customers, I assume it is because they never actually sent the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
Kept receiving repeating calls everyday from this company.

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