vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: WA

Complaint narrative:
This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called Wells Fargo to exchange my dollars for yuan. When I called the XXXX XXXX  number the phone agent gave me an exchange rate of .XXXX dollars to XXXX yuan. When I went to my local Wells Fargo branch they gave me XXXX dollars to XXXX  yuan. So I received about 8 percent less money than I should have and their records on the transaction show their rate and not the rate I agreed upon over the phone. I need help getting the money I agreed upon or giving the money back at full rate.

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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: IN

Complaint narrative:
Hello, i have a home loan ( mortgage ) thru ditech which i have paid on time all the time I have had it ; onXX/XX/XXXX, i received a call from " XXXX '' at Ditech stating I was behind on XX/XX/XXXXorXX/XX/XXXX Payment and instead of the usual {$780.00} I owed, the total was now over {$1000.00}! This happened also inXX/XX/XXXX when Ditech erroneously credited a different account my payment, then claimed I was late on that XX/XX/XXXX payment, after which they later sent a letter stating they were in error and had to credit my account and waived the late fee. plus they told me a different payment amount ( XX/XX/XXXX ).
Being in a protected class ( I am XXXX ) and having all my cancelled checks of this years mortgage payments in my possession, I contacted the mortgage company several times who said they were " looking into it ''. However, instead of investigating beforehand, they have added a slur on my credit report stating i was late, which is totally false.
I will also contact my attorney general about this problem/ below find attached the erroneous credit report. Also I can send copies of the cancelled checks that were all made on time.
This company 's bookkeeping and accounting practices are a disgrace!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an issue with a Capital One Kohl 's account that is on my credit report. The account is reporting closed. I have disputed this account with Capital One numerous times over the past few months. Capital One has never responded to my disputes and continues to report inaccurate information to the credit bureaus. Since I started my dispute with Capital One my credit monitoring service has showed numerous updates from Capital One. I do not understand where Capital One is getting this info it is reporting to the credit bureaus. I was made to believe that for Capital One to report to the credit bureaus that they are required by law to have documents verifying that the account is 100 % accurate. 
On XXXX/XXXX/XXXX my credit monitoring showed a balance of {$440.00} on all 3 credit bureaus. 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX, but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$440.00} on XXXX but a {$170.00} on XXXX and XXXX 
On XXXX/XXXX/XXXX it showed a {$170.00} on XXXX and {$200.00} on XXXX, XXXX removed. 
This is just one example of changes made to this account over the past few months. 
Capital One reporting this negative account on my credit report is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: GA

Complaint narrative:
U.S. Bank has a policy of using its secured credit cards to defraud consumers, having no procedure in place for periodically reviewing secured credit cards to determine if they are eligible for upgrades to unsecured credit cards and also failing to commit to the credit limits of secured credit cards once they are upgraded to unsecured cards. When I applied for a {$3000.00} secured credit card with U.S. Bank last Summer and was informed that there was no procedure in place for periodically reviewing secured credit cards to determine their eligible for upgrades to unsecured credit card, I had a vague suspicion at the time that this was a means for U.S. Bank to defraud consumers by using their secured funds to accrue interest for as long as possible at their expense. 

This suspicion was confirmed when I was issued a refund check the following Summer in response to my request to upgrade to an unsecured credit card and saw that I was to issued on XXXX cents in interest on the {$3000.00} balance that had been held by U.S. Bank for more than a year. Moreover, U.S. Bank decreased the credit limit from {$3000.00} to {$500.00} the month after it was issued, speciously claiming that it was done because of inactivity on the newly issued 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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a Follow-up my previous complaint # XXXX.
Despite my multiple requests, JPM has failed to provide answers to the following questions regarding a refinanced loan they processed in 2011 which caused my loan amount to drastically increase and double its term from 15 year to 30 years.
Please provide answers ONLY to the following questions and avoid sending a multiple page unnecessary detail which does not address the questions below : ( 1 ) What made JPM determine that the new loan should be a HARP. Please provide detailed information and or supporting documents as applicable.
( 2 ) What is the process JPM goes thru to notify client that a certain loan type will be issued as opposed to another - Please provide specific examples as well as applicable documentation.
( 3 ) What was the specific criteria that JPM used to determined the interest rate granted on my loan issued in 2011. - Please provide supporting documentation.
( 4 ) Why did JPM leave the original loan lien open as well as the new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: MO

Complaint narrative:
My homeowner 's insurance was cancelled by XXXX two months after my home closed. They sent me a refund check. My insurance agent found another company, XXXX XXXX, and had them send the bill to my mortgage company Pacific Union Financial. I deposited the money into my escrow account on XX/XX/XXXX and contacted Pacific Union 's mortgage department and insurance department to make them aware of the change.
On XX/XX/XXXX a noticed was mailed to by XXXX XXXX saying the my homeowners insurance was being cancelled for non-payment on XX/XX/XXXX. I contacted Pacific Union onXX/XX/XXXX and they said a check had been mailed out but to the wrong insurance company. They gave me a tracking number and said a new check would be mailed to the correct company.
I checked the tracking number onXX/XX/XXXX and it showed that the label had been created but nothing was ever shipped. I called Pacific Union and they told me they could n't give me any information about the check being cut because the person I spoke to was out for the day. They told me they would look into it and call me back.
I did n't receive a call back so I called again on XX/XX/XXXX and was told that they had no resolution and that they would need to check with their accounting department to see if a check was ever cut and that it would take 24-48 hours to determine if it had been and that they would call me back.
I did n't receive a call back again so I called today,XX/XX/XXXX and was told a check was mailed to the correct insurance company and was given a tracking number. I checked the tracking number myself and show it was delivered. I asked why no one called me back despite being told numerous times they would follow up with me, and was told they were too busy.
At this point, I 'm waiting for my insurance agent to confirm the insurance company received the payment.
This is more of a complaint than asking for a resolution, but I wanted it to be known that Pacific Union sent my escrow money to the wrong carrier, did n't tell me and then it took multiple phone calls to get the check despite the fact my insurance is getting cancelled in 4 days.
I did everything I was supposed to do according to my insurance agent and Pacific Union 's mortgage and insurance departments yet was told they were too busy to follow up on their part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: MI

Complaint narrative:
My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.

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 2017-11-03 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: AZ

Complaint narrative:
Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous 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 non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, XXXX and Transunion to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs 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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, Experian and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs 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 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.

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 2017-11-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a letter to Equifax asking them to initiate an investigation of accounts that were reporting inaccurate information on my credit report. Its now XXXX XXXX, and I have yet to receive any response from their agency. I have even sent several follow-up letters, and still, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!

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 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.

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