vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Today, XX/XX/XXXX, I logged on today to pay my Capitol One credit card. They said they needed proof that it me logging and said they had to send me a code to one of the two numbers they have on file. Both of these were numbers i canceled at least 10 years ago. I am sure they have my current number already, as I have had this credit card since XXXX. I tried to add my new phone number and the system said it couldn't accept it as mine because it failed a verification. Then they told me to take of photo my my driver 's license and send it to them. I thought this was odd and declined. Then they asked me a bunch personal questions to verify my current phone number and this was successful. Then I requested the code to my current phone and I didn't receive it. I requested it again and again and didn't receive it. Then they said they would a send me a temporary password and I never got that either. After 45 minutes, I gave up and hung up to punch the wall and scream. When I called Capitol One again, they didn't accept the last four numbers of my credit card even though I was reading it directly from the card, they said it was not my card. I was transferred a total of 7 times to various departments. One person told me a customer service agent had typed my phone number into the system incorrectly and that it why was I was not receiving texts. He went through the verification process with me again and corrected the error, putting my correct number in the system. Another code was sent to my phone and I still didn't receive it. The technician asked me what phone carrier I had. I said XXXX   XXXX. He gasped and said XXXX  XXXX does not allow texts from Capitol One through to their customers. He said there should have been an option to have a code texted to me by email but there was not. He said he could not assist further. I am unable to pay my bill. Total time attempting to pay bill 2 hours 25 minutes. Yes I did verify if it really was the authentic Capitol One I was calling. My name is XXXX XXXX. last four of the VISA are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Closed case # XXXX through the CFPB case, OPPLoans indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I Submitted to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX is reporting that on XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. '' XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that " We received a dispute from this consumer on XX/XX/XXXX. That is why the consumer has not received the response yet. This consumer submitted an application XX/XX/XXXX through XXXX XXXX XXXX of XXXX to finance the purchase of a XXXX XXXX XXXX. Upon receipt of the credit application, we had a permissible purpose pursuant to the FCRA to obtain and review a credit report to make a credit decision. The credit application was declined. Based on public records, the consumer lived at the address on the credit application. Attached is a screen shot of the application received from the dealership. If the consumer, in fact, did not apply for financing with the dealership and believes she is a victim of identity theft, she may send me a fraud affidavit and police report to XXXX. If she did, then the credit inquiry is valid and should not be removed. '' However, the screen shot that was attached was not an application filled out by me. it was intact a screenshot of a software that I do not recognize. The company does not have my signed and dated credit application on file because I did not provide written consent to XXXX XXXX XXXX of XXXX or another firm to run my credit on XX/XX/XXXX. This is not identity theft as suggested my the company, this is simply a case where a representative ran my credit without my written prior authorization or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.

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 2019-09-23 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: FL

Complaint narrative:
On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PSA ACE XXXX XXXX Home Equity Loan Trust, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX XXXX XXXX to validate the Debt, in connection of the Proof of Claim filed on regard XXXX XXXX Home Loans XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Trust, ACE XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all XXXX, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: PA

Complaint narrative:
CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES XXXX XXXX XXXX XXXX XXXX , Kansas XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX   XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES to validate the Debt , in connection of the Proof of Claim filed on regard XXXX XXXX XXXX Loans # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt.

2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is in regards to the complaint # XXXX submitted on XX/XX/2019. So far I havent heard from anyone regarding the complaint however I have been receiving calls to pay the the total amount of $ XXXX/- And the calls are more like threatening and harassing because they keep on saying that theyll seize my account and block the social security. Is that the right way of communication? This is ridiculous. I submitted a complaint because I need your help in resolving this issue. But it seems that u havent been of any help in removing the unnecessary charges that were imposed on me without any notification. Id like to remind u that Id really be grateful if u could resolve this issue at the earliest. 
Thank you

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 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
For the last 3 months, I have received a bill stating that I owe {$1300.00} and I have mailed in the payments in the form of certified check and send the payments certified with a signature to show the payments were received. Well with that being said PHH Mortgage states we are behind and we aren't. We are also in bankruptcy and we wouldn't be late because the company would foreclose on us. Our loan was changed over from Ocwen to PHH Mortgage and now it's saying our mortgage is with XXXX how confusing is this. A company that can't get their act together and has so many complaints against them but trying to mess a homeowner out of their home they have been paying for. Also, stating that a home that is only valued at {$24000.00} and the company pulls up these fake sites stating that the homes in my area are worth anywhere from {$50000.00} to {$250000.00} there isn't a home in my area that is worth that amount. Even the home next door with a tree that has grown through the roof and no one lives in the home because of its a run-down home with termites and all its not livable. But PHH Mortgage claims the home next door is worth {$46000.00} not possible at all. The area we live in is nothing but a run-down drug area and it's sad this company is trying to make something off people who are poor and struggle every day to pay for something that isn't worth nothing more than the value that the county states. It really upset me with all the mortgage companies being able to rip people off as they do. This company really seems like a scam without a doubt. I will be contacting a lawyer with this issue I'm sure I have a lawsuit. Also, our payments use to be {$400.00} and then they went up to {$440.00} and it wasn't supposed to stay at that but they have been getting an extra {$40.00} in a payment every month without anything showing where this is going. Bad enough Ocwen put us through XXXX now PHH Mortgage is doing the very same thing. I see that PHH Mortgage has had many lawsuits over the years. 

This started with Ocwen in XX/XX/XXXX and continued to be an issue this whole time. Now that my account was sold over to PHH Mortgage or XXXX in XX/XX/XXXX that is when the issues got worse to the point of them stating I'm late on my payments and not adding the payments that have been made and weren't late. I send all my payments with a certified check and a certified delivery with a Signature required so I know they got it. Before when I would call in it would say PHH Mortgage now when you call-in it says XXXX WHAT?? What kinda scam am I dealing with here nothing is right with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
Trans Union continues to verify and report an account that was closed due to FRAUD. XXXX XXXX is aware of the fraud and police reports they and Trans Union abuse the laws specifically the FCBA AND TILA and FCRA ACTS the information has to be 100 % complete and accurate which it is NOT. This account continues to report on my Trans Union consumer report. Trans Union had the opportunity to have access to the police reports which are valid legal affidavits. This is a A WILLFUL AND DIRECT crime to continue to report this account on my 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 2019-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: DE

Complaint narrative:
U.S. Bank tried to pull a quick trick and charge me for the plates that was returned on the vehicle at XXXX 'S XXXX AND XXXX in XXXX CT. They called the plate fee a lease termination payment due in which the vehicle was already returned and the account closed six months before they sent me their fake lease termination bill. Now they are starting to hit my credit with false claims that I owe them {$870.00} in which the payment has late fees etc. This banking company should be totally ashamed of their tactics. They even have the nerve to send me invoices for there so called end of lease term statements in which I immedialely file them in a round receptacle that resembles a trash can. 

On my credit report it shows all payments paid as agreed except the fake one above that they created six months after the keys and vehicle was already returned to the dealership listed above with the plates on it. Shameful tactics this banking company uses to ruin good people credit with their complete and total lies. They need to be held accountable to the fullest extent of the law.

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 2019-09-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax how did you verify the negative accounts as accurate that the XXXX XXXX police department has determined to be closed due to fraud? The negative account should have been removed. You have ignored police reports sent to you and failed to do a 100 % accurate and complete investigation which is a major violation.

Company response to consumer: Closed with explanation