vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-10 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:
After receiving a credit alert about Capital One reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from Capital One and never even knew I was approved for the credit card. Capital One did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my XXXX XXXX credit report. After I called XXXX XXXX, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. XXXX XXXX said it might be a mistake by Capital One so I called them back and they confirmed it. I have a copy of the XXXX XXXX report showing this account was deleted by Capital One on XXXX/XXXX/17. Now it was reinserted illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: CA

Complaint narrative:
I summarize my complaint below. 

( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}. 
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX. 
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX. 
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review. 
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase. 
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX. 
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I currently have a Mortgage with Carrington Mortgage ( CM ). The Loan has an Escrow account for the Taxes & Insurance. The County I reside in no longer requires I pay the School Tax after I turn XXXX. I will be XXXX this XX/XX/XXXX. Therefore, the XXXXchool Tax will no longer be required to be paid in XXXX. I have forwarded a letter to CM from the County Tax Commissioner stating that I will be exempt from the School Tax in XXXX. CM is aware of this, yet refuses to lower my monthly Escrow collection accordingly. Why is CM allowed to collect the additional funds from me when they have been notified that the funds are no longer required to be collected? I, as a Senior Citizen, can use the approx. {$96.00} per month better than CM can. Please help me with this issue. CM is a Large Corporation and I am just one Man. I do n't know who else to turn to for help except you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied 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 non-monetary relief
Consumer complaint received 2017-11-10 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: MO

Complaint narrative:
I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10 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: GA

Complaint narrative:
XXXX XXXX continuously sends me bills in the mail saying I owe {$800.00} from a paypal credit line to which I have never had. I have already told them on the phone this is not from me and to stop contacting me but they continue to send bills multiple times a month. I have never had a paypal credit line and you dont even have my correct name on the bill.

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 2017-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: U.S. BANCORP
State: TX

Complaint narrative:
So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing

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 2017-11-10 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: MO

Complaint narrative:
I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2017-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I sent Central Financial Control an letter on XX/XX/XXXX and on XX/XX/XXXX about a debt that showed up on my credit report. On that letter I requested that they validate the alleged debt due to me being unaware of any outstanding medical bills. In that I also as that they provide the breakdown of fees including any collection costs and medical charges. I asked that they please provide me a copy of my signature with the provider of services to release my medical information. On XX/XX/XXXX I received information from Central Financial Control stating that the services were for someone with the last name that is not mine. They stated that the services were rendered to someone that was uninsured. In that letter they stated that I was properly notified in which that has never happened. After receiving this letter I went directly to XXXX XXXX XXXX and provided them with a copy of my Id and Social. At that time they could not find any of my information at the facility. I also advised spoke to them about the 100 percent charity and they made me aware that the charity covers all bills owed past and present. I then contact XXXX XXXX again and advised them that I have been to the center and they could not find any of my information. They advised me that they would have a manager look into it. I also sent them a copy of my ID and Social security card to show that it was not me. On Today I received a response with a letter stating that they tried to contact me about the debt. The dates that are listed in the letter are incorrect as to I HAVE never received anything from them prior to XX/XX/XXXX. On the letter they state that they sent me a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The date if XX/XX/XXXX was prior to the  alleged service date so how could I have received a letter? They also stated that there was a military Id card. I have never had an military ID card. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. Also the letter contradicts itself they advise me to contact XXXX Business office and in fact I have and they have told me more than one time that any medical bills that were against my name were reversed. As I stated prior I have sent the information with my id to them on more than one time. The Original creditor has already advised that this is not my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: Guild Holdings Company
State: CO

Complaint narrative:
I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: IL

Complaint narrative:
After receiving a credit alert about XXXX XXXX reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from XXXX XXXX and never even knew I was approved for the credit card. XXXX XXXX did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my Trans Union credit report. After I called Trans Union, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. Trans Union said it might be a mistake by XXXX XXXX so I called them back and they confirmed it. I have a copy of the Trans Union report showing this account was deleted by XXXX XXXX on XXXX/XXXX/17. Now it was reinserted illegally.

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 2017-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance. 
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late. 
Attorney offer was {$1600.00} a month we could n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc.
State: HI

Complaint narrative:
I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received a call on XXXX XXXX, 2017 from debt collections agency Diversified Consultants Inc stating that my husband ( they stated his correct name repeatedly ) owed a debt with XXXX & XXXX XXXX. I told them it was not correct and to give me dates and address. They did. Not ours. I asked Diversified Consultants to confirm the last 4 of my husband 's social security number to verify it was my husband. The number they have was indeed my husband 's last four of his SSN. I told them this was then fraud. They told me to contact XXXX XXXX XXXX identity theft. My husband contacted XXXX XXXX XXXX identity theft hotline. XXXX XXXX XXXX told my husband that it was not his name, no SSN was on the account, and it was not his birthday listed. So no fraud according to XXXX XXXX XXXX. Diversified Consultants denied illegal collection practices saying they got my number and my husband 's SSN from XXXX XXXX XXXX. Diversified Consultants is using illegal collections practices by assigning someone else 's SSN to accounts that lack one but have similar names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10 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: FL

Complaint narrative:
I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!

Company response to consumer: Closed with explanation