vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Title & Escrow LLC
State: FL

Complaint narrative:
My wife and I are sellers to a condo in XXXX. 
We have seller representation on our side and the buyer chose a title company, Orion Title & Escrow LLC and their partner law firm, XXXX XXXX XXXX. 
It was agreed that the title company ( Orion Title ) would order the HOA estoppel to obtain the HOA account information. 
My wife and I signed a an authorization form allowing Orion to access the HOA account.

Several days later, we received the estoppel letter from Orion, but they hired a 3rd party service to access the account without our authorization.

Several phone calls were placed with the title company who stated they did not believe the HOA account contained NPI. 
A conference call was set up with the related attorney and title company. The attorney also believed the HOA account info was not NPI.

During this call, I explained why I felt it was NPI and requested they asked their party to delete the records. 
The title company and attorney stated they would not accommodate this request. 
I feel this complaint is the next step because of the inactions from the title company and law firm not believing the HOA account info is NPI.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-21 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: FL

Complaint narrative:
On or around XX/XX/2019 I disputed inquiries on my Experian credit file that were on there without a permissible purpose with Experian via Certified U.S. mail and received a Return Receipt. See enclosed. Experian only addressed and deleted two ( 2 ) inquiries, but failed to delete the eight ( 8 ) inquiries illustrated in my correspondence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I filed a dispute with TCF National Bank on XX/XX/2019 due to fraudulent charges on my account. Someone had hacked into my checking account and stole {$600.00}. They accessed the money via XXXX and charged my account {$20.00}, 30 separate times in total transactions. I filed a police report with the fraudulent charges as well. TCF National bank advised that the dispute was closed in my favor, and that they would credit my account the balance that was withdrawn from my account without consent. First, they advised that the funds would be restored to my account. Then they indicated that they had a new policy put in place and needed to send out an official bank check for the amount. I was advised on XX/XX/XXXX that a check was processed and sent and that I should receive it within 7-10 business days. I called on XX/XX/XXXX because I hadn't received a check as of that day, and then was advised that it was cut on XX/XX/2019 and it would take an additional 7-10 business days to be delivered. I called TCF customer today, XX/XX/2019, as I still have not received the check, and they advised that they do not have a date in which the check will be cut because they are being pushed back. I just want my money back that they advised they were going to send to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I filed bankruptcy in XX/XX/2016 and my loans were discharged due to a hardship. Department of Education/ Navient is refusing to update my account to the correct status and still says that I owe. I sent them a copy of My bankruptcy forms stating that it was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX for an old credit card debt from XX/XX/XXXX. They called me as a courtesy call to take care of the debt before we went to court. I told XXXX of Assured that I was never served with a complaint and he assured me he had a court date and time, but couldn't provide me with that information when I asked. He told me I was being sued for interest from when I had the account to present, plus attorney fees, but we could work something out. I continued to ask for more info, but he couldn't provide it. In XX/XX/XXXX I received a phone call from their process server location service. They contacted my parents, brother and XXXX year old grandmother saying they had legal papers for me. I returned their call and asked them not to contact my family, which XXXX denied that they did. Again he threatened me with a lawsuit and said I could settle for {$300.00} if paid by XX/XX/XXXX. I agreed to {$50.00} per month with a {$300.00} settlement by XX/XX/XXXX. I never received anything in writing, nor did I sign anything from XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX and told him I had met our agreement, which he denied and said I had to make payments until XX/XX/XXXX and that he " would have fun with me in court '' and that " he wasn't done with me yet '' and " XXXX XXXX, XXXX you can't just stop making payments " and that he would " embarrass me for sure ''. 
Today, XX/XX/XXXX, I received another call from XXXX asking if I was planning on making more payments. I told him I was not making anymore payments as this debt was settled. He told me he would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
OUR FIRST MORTGAGE PAYMENT WAS ON XXXX XXXX. THIS WAS PAID BY A DIRECT DEPOSIT ACCOUNT SET UP BY ME. AS I UNDERSTOOK IT, EVERY FOLLOWING PAYMENT WOULD BE PAID THIS WAY, UNFORTUNATELY, THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE NOT COLLECTED AND SENT BY DIRECT DEPOSIT. IT WAS ON OUR XX/XX/2019 ( WE WERE NOTIFIED ON XX/XX/2019 ) THAT WE OWED 3 PAYMENTS TO OUR ACCOUNT. I IMMEDIATELY SENT THIS TO WELLS FARGO. 

I GUESS BEING XXXX YRS. OF AGE AND NOT TOTALLY COMPUTER SAVVY, I DID SOMETHING WRONG. 

PLEASE HELP ME OUT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Allied Servicing Corporation
State: MD

Complaint narrative:
We applied home equity of credit in XX/XX/XXXX through XXXX XXXX when we settled for a new home. We have been paying until the home market occurred and had difficulty. XXXX offered a settlement lowering balance to XXXX and have been paying XXXX monthly for yrs. Next thing we know we heard the company went bankrupt and did not hear anything on the home equity balance. suddenly this last month got a letter from Allied Servicing regarding the account and telling us for a foreclosure. I paid XXXX and the balance is XXXX SINCE XX/XX/XXXX. I don't know why they waited for nine yrs. I have attached copy of my account and statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX apartments nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Midland Funding, LLC or the original creditor. I have also requested that this subterfuge be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is in regards to a Capitol One account. I received a CP71C notice from the IRS on XX/XX/XXXX. My wife did also. The IRS is claiming I owe {$1500.00} for the XX/XX/XXXX tax year. When I called the IRS, they stated it was for Capitol One. Supposedly, Capitol One sent me a 1099-C for tax year XX/XX/XXXX and I failed to report it. The problem here is that I have never had a Capitol One credit card in my entire life. The IRS informed me that I needed to contact Capitol One so they can amend any taxes for that year or give me a notice saying I don't have an obligation to Capitol One. I tried calling Capitol One on several occasions but Capitol One could never help me or give me any information or even find me in their system. 

Since I was having no luck with Capitol One, I went to a company on XX/XX/XXXX that could assist me with this. The company representative helped me call Capitol One and try to reach someone that could finally answer some questions. He went through multiple departments and was on the phone with them for an hour. he explained the situation of how I was being charged taxes for an account that was never mine or ever existed. 

The entire time he was told I could not be found on the system. Because my wife did at one point have a Capitol One credit card however, we tried speaking to them about her account to see if they were somehow trying to collect for her account. 

My wife, bless her heart, actually has in possession the Capitol One credit card she had back from XX/XX/XXXX-XX/XX/XXXX. We called and gave them her info and even the card information in her possession and they still couldn't find her in the system. After multiple departments and Capitol One representatives couldn't help us or tell us that either my wife or myself were in their system, we finally spoke with someone named XXXX in the escalations department. She couldn't help us in any way shape or form either and ultimately said they couldn't give any letter to clear me of this IRS tax form that states I owe back taxes because of an unpaid Capitol One credit card. After much bickering back and forth, XXXX said she is the highest authority in that department and there is no department with higher authority or at least none that she was aware of and none that could help me get any letter to give the IRS. 

Now I am stuck here with an IRS debt from XX/XX/XXXX that isn't mine and Capitol One won't even acknowledge that they submitted it against me. I know it's for me because the IRS form has my social on it. If I can't get them to fix this I have no choice but to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AZ

Complaint narrative:
I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision has improved enough for me to be cleared to go back to work. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations compounding in the form of medical bills, I reached out to Capital One about my credit card balance, which is current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. Both times they denied my request for an adjustment on the interest rate, stating my acct " doesn't qualify for an interest rate promotion this month, but call again next month to see if you do '' as if I was in some sort of sweepstakes. I came to Capital One in good faith based on the unfortunate hardship and situation that I am enduring and I did not expect this lack of empathy and customer service. When I reach out to my other creditors, XXXX and XXXX XXXX, they were more than empathetic and understanding to my situation, assisting me with 0 % APR for an extended period of time and worked with me to get my monthly payments in a range where I would be comfortable while I weather this storm. That is why I am very disappointed and applaud that Capital One would treat their customers this way. They seem to care more about their bottom line, rather than taking care of their members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I already filed a complaint with FTC and they referred me. I have banked with BB & T for over a year and realize nobody is perfect! I noticed outrageous fees in my account, and contacted my branch in XX/XX/2019. No resolution and no assistance! On XX/XX/2019 opened a new account stating that I wanted fees fixed! Spoke to a representative at bank stated someone would call me back, no response! On XX/XX/19 they initially started transferring from my savings and abruptly stopped reversed all transactions and started charging OUTRAGEOUS FEES ON ANOTHER ACCONT WITH FUNDS IN SAVINGS! Are required to follow and obey LAWS??? ( as all complaints seem to address similar situation, excluding funds available in savings account ) 2 emails sent on XX/XX/19 and a response from same rep as the initial call ( CLEARLY SHOWING SHE WAS ABLE TO ASSIST ) but no sort of resolution. On XX/XX/19 sent very nice email stating I was seeking resolution and forward progression, auto reply of out of office till XX/XX/2019.  Benefit given to BB & T and only received auto reply of out of office till the XXXX. Again assuming the best waited again no response! On XXXX filled complaint with FTC, and they referred me to CFPD. Waited till today XX/XX/19 and no response! Now based on all outstanding facts I AM REQUESTING THE {$5000.00} IN FEES AND {$2500.00} IN HELD FUNDS ( Dollar amount within {$200.00}, not able to provide exacts as they online account I have been disabled in viewing. ) In conclusion they quoted FDIC and was a false quote ( FRAUD ) as to quote one is " verbatim ''. In conclusion my damages are being accessed presently and will be perused! I am now requesting CFPD to assist with the minimum of funds held on undisclosed time frame and have been verified BB & T have received funds, and fees. Damages to seek counsel for. Now over 30 days of cleared funds HELD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Today I went to chase bank to open a checking account. I got denied opening a bank acct by chase due to XXXX credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that XXXX  is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
On 3 occasions I have requested that Experian verify the accuracy of the information that they were reporting for XXXX XXXX XXXX XXXX. They stated that the information was accurate. 

I asked them to re-investigate the accuracy of the information because it was not accurate. They stated that they would not re-investigate the information unless I had additional relevant information. 

It obvious to me that the furnisher of the data for this item is not doing a good job at providing accurate information to them. I should not have to clean up their mess This account was charged off and sold to a XXXX  XXXX XXXX XXXX collection agency. They claimed that you verified this account as accurate. They did not do a good job of verifying this information. I have attached a copy of a letter from XXXX XXXX XXXX XXXX referencing this account. 

Why does it have a balance after being sold to a collection agency? It should have a XXXX balance and past due balance. Additionally, It should show to who the account was transferred. See the 2 examples of how the account should be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Denied loan based on excessive obligations in relation to income. What is the formula on debt to income, and if you are looking for bill consolidation loan, whats the drawbacks to that to lower obligations?

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