vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
I had my loan transferred from XXXX to PHH ( www.mortgagequestions.com ) on XX/XX/2019 and closed on my property XX/XX/2019. Title company sent payoff ( amounts given by XXXX because PHH did not have my account on file and stated takes 7 days to create one ) on XX/XX/2019 via wire to PHH. On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called PHH to find out why the account still has a balance with the payoff sent on the XXXX and every single time I am put on hold for more than 30 minutes by the representative that they will look into it and then the line gets disconnected. Sent email via their contact form on XX/XX/XXXX and still no response. 

This lender ( PHH ) would not provide any information and I am worried that will get assessed fees, ruin my credit, and there are issues with the wire payoff. It is very frustrating not being able to get information on something that can affect someone financially and the lack of accountability and professionalism from the representatives. 

The phone number I try to reach them at is XXXX. 

Please tell me how can I take care of this issue without any further complications? 

Thank you in advance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 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: OR

Complaint narrative:
I am currently trying to get a truck refinanced. I learned from the dealership that there was a fraud alert on my credit file. I called Equifax the agency reporting the Fraud alert and answered there questions multiple times, they also stated that I had answered the questions correctly and they still tell me that they can not verify my identity. This is simply ridculious. I received no alerts or notifications that this existed on my credit file and the fact that there is nothing left on my credit report due to the Chapter XXXX bankruptcy we had to file last year. They will not assist me with removing the faults information that they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: ID

Complaint narrative:
Cardinal financial contacted me XX/XX/XXXX concerning a refinance request that I submitted on XXXX XXXX. I had spoke to XXXX XXXX  a few days prior, and had been advised to wait until XXXX, XXXX to apply for the loan because my credit score needed some work. XXXX XXXX from Cardinal stated that Cardinal was able to conduct manual underwriting and my credit score should not be a problem. First she attempted to try for a VA loan, but it was denied. She then recommended trying the FHA loan, and then resubmitting for a VA loan after a few months, which would have been late XXXX, XXXX. After asking numerous times if there would be any problems doing a VA loan after just a few months, she assured my wife and I that it would not be a problem. With our current VA loan at the time was at XXXX XXXX and the FHA loan was XXXX XXXX with monthly mortgage insurance, we would not have wanted to stay in this loan for the 210 day loan seasoning if we had know that we would have to wait the 210 days before applying for the VA loan. 

After talking with XXXX on XX/XX/XXXX she informed me that she had just recently found out that there was a 210 day seasoning period for loans. I called the Department of Veteran Affairs on XX/XX/XXXX and was told this has been in effect since the beginning of XXXX. Since that time I have requested to speak with Katrinas supervisor and have called Cardinals Customer Advocacy department on the XXXX of XXXX, the XXXX of XXXX, and XXXX of XXXX to discuss this issue and have not had any returned correspondence. After researching this issue, I believe Cardinal has used predatory loan procedures and loan churning practices during my refinance process. I would not have conducted business with the them if they had been forthright with the current laws concerning the seasoning of loan guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Around XX/XX/2018 I attempted to initiate a vault withdrawal of XXXX Bitcoin on my Coinbase account so I could sell it for USD ( The value at the time was approx {$12000.00} ). The vault withdrawal got stuck and I never received the confirmation email. I contacted Coinbase support on multiple occasions and when I actually got a response from a living human they appeared to have not even read my complaint. Eventually they said they " escalated the complaint '' but I never heard back and nothing was fixed. A year later, the vault withdrawal is STILL stuck, and I am STILL receiving automated responses. I attached one of the email back-and-forths but there were a couple others with more or less the same sort of interaction. Zero real help on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was scammed into purchasing XXXX cards by someone posing as by boss. I reported it to the police and called my credit card company. They told me the incident would be covered under their fraud protection. Two months later they put the charges back on my card and they wont cover the charges because they dont consider it fraud. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I had my ID stolen. The thieves opened a credit card acct. and bought or attempted to buy cell phones from several companies. I opened reports with the FTC, XXXX XXXX County Sheriffs ( report # XXXX dated XXXX, XXXX ( report # XXXX dated XX/XX/XXXX ), XXXX  XXXX and put a freeze on our credit. All companies affected did investigations and found the activities to be fraud and I had no involvement. XXXX XXXX sent me to a debt collector : XXXX XXXX acct # XXXX. XXXX. They sent me a letter dated XX/XX/XXXX demanding {$3300.00}. I called XXXX and provided them the Sheriff 's report number, the XXXX report number and they said they would report it to XXXX as fraud and to disregard the letter. I received a second letter from XXXX dated XX/XX/XXXX demanding the debt be paid. I sent XXXX a certified letter on XX/XX/XXXX with the same information and report numbers I gave them the first time. I received a letter from a new debt collector for XXXX : Waypoint Resource Group dated XX/XX/XXXX, acct # XXXX demanding the same {$3300.00}. I have tried to settle this with XXXX XXXX XXXX. ( XXXX ) with no luck. 
XXXX XXXX. Waypoint 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 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Today, XX/XX/2019 I received a letter from a company calling themselves Convergent Outsourcing Inc . The address for their business is PO Box XXXX XXXX WA XXXX OR XXXX PO Box XXXX XXXX PA XXXX They are attempting to collect {$18000.00}. As I have never had any type of account with them at all. I sent the a debt validation request. Then I started to do some online research and I find that they are indeed a scam. I believe they are attempting to perpetrate a fraud upon me and I am requesting your assistance.

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 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank is crazy they treat me horible over the phone when I call customer service they tell me not to call they dont believe it is me have me go to branch for everything and whats worst is now a nasty lady calls me from their fraud department telling me that shes closing my account and the bank has decided to end their relationship with me for no reason just for calling and they said its suspicious their crazy I hate this bank and I will report them and go to court and tell the judge how they treat me are abusibe on the phone towards me and are closing all my account for no reason my credit card which I applied at the branch recently its unfair when I have done nothing illegal and have maintanined my student checking in good standing they want to do this to me and for applications when I only have XXXX credir card I dont understand these people

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I formerly held accounts with Chase Bank. After getting married, my husband and I decided to close all my Chase accounts ( checking, saving, credit card ). Some time later, I visited the Chase branch in the city I had moved to and asked to close my account. The teller emptied my checking and savings accounts and told me I was " good to go ''. 

Being my first time closing an account, I took the teller at her word and left believing that my account had been closed. However, I did not discover that this was not the case until months later while visiting my parents. Because my account was not actually closed, the overdraft fee to keep my account open was charged to my credit card. Since the teller had not updated my information, the paper copies of my bank activity were being mailed to my parents house who live in another city. When I finally received the letters, it was months later. Had my personal information been updated, I would have been aware of the error and fixed it immediately. I had not ever been late on a payment before. In XXXX of XXXX I went in person to another Chase branch to pay the fees and ensure that all accounts were indeed closed. The banker was able to waive part of the fees considering the circumstances but did not pay it in full. 

My husband and I are now applying for a home loan but this misappropriated penalty is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with XXXX XXXX  at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
in XXXX i saw a debt on my report that was not mine so i call portfolio recovery and ask portfolio recovery to validate the debt I all so shared with them that I share the same name as my dad, brother, and my son and that I would follow up with a letter I have sent three certified letters to ask for validating the debt 4 months later I have got no response but they call all the time they leave no message they call my phone and my mother phone although my letter state that all communications will be by mail. thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sir/Mam : I`m a XXXX veteran. I`m XXXX I had a apartment fire which destroyed my apartment. XXXX XXXX move me to another apartment I tried to have my lights turn-on, but XXXX XXXX did a credit check they said I had a fraud alert. I sent equifax the information so they could identify me. They told me it would take 3 to 5 business days it`s been two weeks now they are telling me thirty days now. 


Thank, Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, Nc XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX a Consumer with Capital One, I have called the Company to pay the remainder of my Balance with interest in one final payment. Within the last two Days I was told.I would not receive a XXXX Balance, although the billing cycle is billed XX/XX/2019 to XX/XX/2019. I was told that I would.have to.pay interest on a XXXX Balance after XX/XX/2019 on the closed.account. I have no intentions of paying any monies after my final payment is posted in this current billing cycle on a closed account. I have requested the phone number to their Legal Department from the call center Customer Service. The refusal to provide me with this number and information to as why I will receive a billing statement on future billing cycles is in acceptable..I have spoken with an Attorney who suggests I inform your Office of this situation and that I fax the XXXX billing cycle statement with XXXX balance to your Department. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: AZ

Complaint narrative:
The following credit inquiries listed on my Trans Union credit reportn are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019 and XXXX, XX/XX/2019

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 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NV

Complaint narrative:
XXXX, XXXX continues to attempt to collect a debt on behalf of XXXX XXXX XXXX that has already been paid. The total is {$350.00}. XXXX 's response was that the proof of payment I sent in was for a different account : XXXX and because it was a wrong account, XXXX XXXX XXXX provided me with a credit. That is simply not true. The proof of payment which I include again here shows the following account number on the memo detail as provided by XXXX XXXX : XXXX - that is the account XXXX is attempting to collect for. If XXXX XXXX XXXX did not log the payment correctly despite the clear indication in the memo section that it was for the XXXX account, that is a XXXX XXXX XXXX issue. In fact XXXX has confirmed with me that they had not correctly logged it. If XXXX says I got a credit of {$350.00} and as such continues to collect, I have a right to see the proof of credit/cashed check. I called XXXX and stated that I have a proof of payment from my bank which shows I paid the {$350.00} and that the XXXX is clearly on the proof of payment. XXXX agent XXXX stated that XXXX XXXX XXXX said they never received payment and speaks of the same credit. 

XXXX states I received a credit however shows no proof of credit or any cashed check by me but I will review if they provide it. If XXXX is going to reply to this complaint, I would like proof of these credits in the form of cashed checks. That will help sort it out. I also include herein the cashed check with the account number XXXX  is attempting to collect. 

I oversee a legal department and am familiar with Debt Collection practices and the rights afforded to consumers. I expect not to just receive a reply saying I got a credit w/o supporting documentation of a cashed check. Simply stating one was mailed or given w/o proof of receipt in the form of cashed check is insufficient. 

Those attempting to collect the debt : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , Mo XXXX account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX account number : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , KY 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 explanation