vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
I contacted the credit reporting agency Lexis Nexus to at a security freeze to my report with the company I provided all the information by mail, Fax and Phone they haven't provided me with any information that my report has been locked of that the security freeze has been placed on my credit file with there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CT

Complaint narrative:
XXXX Sent my account into collections for the amount of {$270.00}. I never received a bill or an invoice from XXXX stating what I owed them for. I checked my credit a few months back and saw a collection from a company called " CLLCN BUREAU OF THE HU ''. 
I disputed this information a few months back and never received any response from the collection agency. They didn't return any of my letters but insisted on keeping the account on my credit report. The company has not marked the account as disputed in the 30 day time frame from the original receipt despite my multiple attempts on having them validate the debt. 

I am attaching all three letters that was forwarded to the collection bureau of the hudson as well as the proof that they received all three letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC promised a new checking account bonus of {$200.00}, all the required tasks I completed to receive the bonus but they are denying it because I was a HSBC credit card holder. The terms on the bonus when I opened the account said that customers who held an HSBC consumer deposit or investment account previously were not eligible but a credit card is neither of those.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I currently have my mortgage payments set up thru Autopay with my mortgage. In addition to my regular monthly payment I have elected to pay and additional amount each month towards principal. Every single month since I have set this up, the amount that is supposed to be applied to additional principal has been misapplied by my mortgage. I have to call every single month and have this corrected. I feel that this should not be happening and I also feel that they are hoping that I am not checking so they can continue to collect interest on my account instead of applying the payment towards my principal. I have asked every time I call, which is every month, why this keeps happening and no one has an answer as to why this keeps happening!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX makes fraudulent claims to keep the interest of mortgagees. They make commitments they can't commit to and promises they can't keep. For the past three weeks I have been working with XXXX XXXX for REFI and Cash-Out only to be told they made assumptions, and obviously were not working with facts or someone qualified. Their lack of follow through has potentially cost me thousands. This practice of deception should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I sent a letter to Wells Fargo about a " charge off '' that they are reporting on my credit file. I sent them my account number as it is being reported on my credit file along with my social security number that they have on record asking them to validate the debt that I supposedly owed them. The company proceeded to stall by asking me to fill out paperwork for them to further validate the debt. I sent them another letter in response to their response and they continued to stall. The company failed to mark the account as disputed within the 30 day allocated time frame in which i sent them a third letter asking them to remove the debt from my credit file, because they violated the fair credit reporting act by not marking my account as disputed within the 30 day time frame from receipt of the first letter. They had the account number, my name, and social security number on the certified letters that were sent to them. If their record was inaccurate, they should have removed the debt from my credit report which they have not done. There were 3 certified letters sent to the company and nothing was done about the situation

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 2019-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX  responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if Equifax should be shut down. They are extremely shady and dishonest. 

XXXX  refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX continues to call and harass me about a debt owed by my ex-wife, XXXX XXXX ( XXXX ) XXXX. We have been legally divorced for 17 years and I have no contact with her. Apparently this relates to a XXXX 's credit card debt that she incurred but never paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that Capital one had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what Capital one reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with Capital one that I even have car financing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. 

The CFPB claim on XXXX XXXX XXXX asks XXXX to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. 

The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. 

In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX and Experian responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if XXXX  should be shut down. They are extremely shady and dishonest. 

Experian refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my 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 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Currently I have 3 Bitcoins valued over $ 10k stuck in Coinbase, I contacted support half a dozen times and at first they told me I needed to upload identity verification documents, I did so, my account was still restricted, I continued to contact them, a few times I never even received a response from them. Then on XX/XX/XXXX-18 I get a response telling me Coinbase has NOT blocked access to MY funds, but only that I can not buy or purchase, that is false. I still could not withdraw or send my BTC out from Coinbase, even after being advised by them that I can, I have an email to prove it, the only thing that has changed since then is Coinbases decision. So I contact support again and they respond by telling me I can no longer use Coinbase. Now my funds are stuck there indefinitely, please advise, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I tried to get all credit bureau to get those collections agencies to verify that I owe the debt multiple times, by having those collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. 

Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

What is their authorization of law for their collection of information? 

What is their authorization of law for of their collection of this alleged debt? 

Please evidence their authorization to do business or operate in the state of New York. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I lost my Loews and XXXX store card and some one used the card with out my authorization. I provided them with my time sheet approved showing I was at work during those charges at the time and they say that I was the one to make those charges when I reported the card stolen and I should be {$0.00} liability for fraudulent charges.

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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
XX/XX/2016 service date XX/XX/2016 reported {$50.00} I e=requested itemized statement from the XXXX XXXX XXXX ; the statement shows as {$0.00} due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2018, I submitted a USPS Certified Letter, dated XX/XX/2018, that was addressed to EQUIFAX, because, on or about XX/XX/2018, I discovered that EQUIFAX had re-inserted two tradelines CHILD SUPPORT ENFORCEMENT and XXXX XXXX into my credit file that were originally disputed and deleted on or about XX/XX/2018. 

It should be noted that EQUIFAX choose to ignore and failed to respond to my initial dispute. To be specific, and according to FCRA 611-15 U.S.C. 1681i, EQUIFAX failed to provide me a letter in writing, a statement that the disputed information has been reinserted, not later than 5 business days AFTER the date of the reinsertion.

Proof that EQUIFAX did, in fact, receive my initial dispute : 1-Dispute letter, dated XX/XX/2018, that was addressed to EQUIFAX ( Page 1 and Page 2 ) 2-One US Postal Service-CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) 3-One One US Postal Service-CERTIFIED MAIL RETURN RECEIPT XXXX XXXX XXXX XXXX XXXX that was signed by EQUIFAX employee XXXX XXXX and dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: MO

Complaint narrative:
On XX/XX/2018 I sent in a dispute letter to Experian asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.

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 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
XXXX of 2015 I went to SunTrust bank To open a check account in my employer giving me a fake check that I had no idea and now I'm unable to open up another account at any other bank

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 2019-01-11 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: FL

Complaint narrative:
I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX  report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that XXXX XXXX had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what XXXX XXXX reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with XXXX XXXX that I even have car financing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX calls me up to 10 times a day. I have missed one payment and they harass me constantly and leave me voicemails and call me over and over again within 15 minutes of each call morning and night and they leave numerous voicemails despite me telling them I am a student and have no job at the moment and will pay the bill as soon as I can. They wake me up in the mornings from my sleep and when I am trying to go to bed at night. They are causing me great stress and the continuous harassment is not making anything better. Their calls interrupt my studying and Im trying to get my XXXX XXXX XXXX so I can start making money. Continuous calls and voicemails every single hour at every hour of the day is not accomplishing anything. If I answered the phone each time they called I would just be on the phone the entire day. Wouldnt be able to apply for jobs wouldnt be able to study or eat. I would just be the phone all day. Their continuous calls is not putting money into my account to pay the {$40.00} minimum I owe every month. This seems very excessive and it is causing me mental duress.

Company response to consumer: Closed with non-monetary relief