vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MO

Complaint narrative:
In the fall of XXXX, I was going through a divorce, attempting to start a career in real estate after being a stay-at-home mom, with no consist income. I was lucky enough to land a position with the company that I have been gainfully employed with for the last three years, which started in XXXX of XXXX. I was struggling financially, trying my best to support my daughters and prepare for my move to a new area. I honestly had to make hard decisions on what I could pay in that time period to get me through to the next month. Capital One reached out to me to with an offer of a payment plan that I could afford so I could catch up and get my account in good standing and since I made that last payment toward the payment plan, I have not missed another credit card payment with Capital One. 

I was unaware that while in my payment plan, my account was still being reported as late. I am still very grateful to Capital One for working me during that stressful and difficult financial period for me. 

I have attempted via calls and emails for over 2 years to Capital One, requesting a good faith adjustment or late payment reversal as I am beginning the process of purchasing a new home. As a XXXX  XXXX, I know firsthand the importance of a strong credit history in mortgage lending and I can personally see the ramifications of currently having three late payments reported to the three major credit bureaus from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Today, I called Equifax about my dispute results for Confirmation # XXXX and XXXX. They refused to remove the inaccurate information after I informed them of the inaccuracies by certified mail. I asked if they could remove the unverified item from my credit report because it hurt my scores. I provided them proof of all the allegations with the letter of dispute that was mailed both times. In my letter, I asked if they could give me a copy of the contact person information that conducted the investigation. Still, they were refusing to tell me to contact the creditor. After several attempts to remove the item, they transfer me to a survey at the end and disregard my request altogether. I am very displeased with how these Credit Reporting Agency is getting away with not investigating the dispute and using the XXXX  XXXX  to dispute items on the consumer credit report. They put all the correct information on the credit report, and it's not fair to the consumer. The Department of Education and the XXXX  XXXX XXXX report the same debt on my credit report as a duplicate. Equifax refused to verify to see which is accurate and remove both of them for not doing a good job validating the debt. And the XXXX  XXXX XXXX is reporting other student loans that do not report the original date of the available loan. It's over the 7yrs reporting time. I reportedly asked if they can furnish me a copy of the finding in which they refused. I am eager for you to step in and resolve this matter as quickly as you can. Also, they are reporting inquirers from promotion, and I have not authorized them, and they refused to remove them. Can someone please help me with these issues?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: AL

Complaint narrative:
Yes my name is XXXX XXXX XXXX. There is a company called Fox Credit company that reported I owe them {$1200.00} from XX/XX/2018. I Have never done any business at all with this company never have been to this company.an have never talked to them in person, or by phone, an I have never got any mail from them telling me I owe them money an why .I have contacted them an disputed this letting them know they either have me mixed up with someone or someone used my identity. That it has nothing to do with me they would they remove these false aligatons off my all 3 of my credit reports. ( XXXX, XXXX, an XXXX ) but they refuse to remove it. So I have no other choice but to contact yall. If it was me they should have atleast contacted me by mail or by phone an told me why I'm being charged this .please help me resolve this matter. For it's hurting my credit score I'm working hard to make as good as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: MO

Complaint narrative:
Equifax Credit Report Original creditor this co-pay for XXXX XXXX {$45.00} I paid this you can't see the doctor unless you paid, XXXX I never had XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Capital Accounts has been illegally reporting a collection debt, XXXX XXXX XXXX XXXX, which I do not owe to the credit bureaus since XX/XX/XXXX. I have been disputing this account on a monthly basis since it was placed on my reports and requested verification of the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In response to these 3 requests Capital Accounts sent me 2 page letters suggesting they have sent an itemized list of my debt. In each of the letters the second page is a blank page. This is not a mistake. This is evidence that there is no debt owed at all. 

In any event I did not ask for an itemization of my debt. What I insisted on was validation of the debt with my signature authorizing the debt. I have not received verification as of today. They continue to refuse to remove this false debt from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I re-financed my home mortgage loan from a VA loan with XXXX XXXX to a conventional loan with XXXX XXXX XXXX in XX/XX/XXXX. That loan was sold to the servicing company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXXXXXX, NJ XXXX. Tel : XXXX and Fax : XXXX. 

My escrow account was also transferred to PHH Mortgage Services. My home insurance company is XXXX XXXX XXXX XXXX. ( XXXX has been a phenomenal company-very good ). My first payment with PHH was XXXX XX/XX/XXXX. Even though PHH has had my insurance company 's mailing, billing, and contact information since XXXX, PHH has not paid XXXX from my escrow account for my home insurance. 

My home insurance policy will now be canceled on XX/XX/XXXX if PHH does not post their payment by that date. Today I confirmed with both XXXX and PHH that PHH has all the correct information. 

I'm asking for government help to ensure that PHH will pay XXXX for this payment and all future payments in a timely manner. Additionally, PHH has been a problem company for many citizens ' loans. I ask for a full investigation into their practices and the company in general. A quick XXXX search will reveal that many people, 300+, have had serious issues with this company. If I continue to have issues with PHH, I am also asking for help in getting my loan sold to a different and responsible mortgage loan servicing company. 

Thank you for your service and urgent help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase Account Has gotten a transfer of XXXX dollars worth of BTC out of my bank account and the BTC has been sent to a unknown Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
merchants credit guide company XXXX Collection opened XX/XX/2019 MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was open as fraud. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed 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 explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I continue to get phone calls about a debt to optimum but I canceled there service months ago and returned all equipment. I do not owe them money especially when services were consistently out.

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 2021-03-12 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed 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 2021-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am having a mortgage payment serviced by XXXX as a Citi Bank home loan service agent. There was an overdrawn that occurred on XXXX 2020, on my Citi Priority Checking Account for a small amount. My checking account overdraft protection policy did not apply to this transaction? XXXX didn't redraw in this incident either. I have been also paying extra principal more than the above fund, in short, each month. Why XXXX didn't accept that? 

I then settled and paid XXXX and XXXX full mortgage amount in XXXX 2020. XXXX still filed the late-payment reports to four credit bureaus at a later time without notifying me. 

I am working with Citi Bank regional director XXXX XXXX since XXXX 2020 but getting no result even she agreed to help out!

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 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My car was stolen and the insurrance did 'not pay what the have to pay, and now the bank want me to pay for the rest of the amount that the insurrance did't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
My mortgage was transferred from XXXX XXXX to BSI Financial on XX/XX/2021. I have received no welcome packet, no statement, and no information from BSI Financial. I have talked to BSI on the phone multiple times and they refuse to accept my payment, and will not even disclose how much my payment is, because they say my Chapter XXXX repayment plan forbids them from taking a payment or discussing the account. BSI states they will not even send me statements on my account due to the bankruptcy. They told me I could mail in a payment, but refuse to tell me how much the payment is. They indicated they would not provide me with a receipt of any payments I send. I asked them if they were trying to force me into default and they refused to give me an answer. My mortgage is a " direct pay '' and isn't even part of my Ch. XXXX filing. I can't make a payment and my mortgage is already 10 days past due. I'm scared and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: UT

Complaint narrative:
The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted by the State of California indicating an account I had with Bank of America was not being used, and by law, Bank of America would need to return the money to the State for me to claim if I did not contact Bank of America. On XX/XX/XXXX, I contacted Bank of America and requested they send a check out for the account and close it. 

Bank of America agreed to send out a check for XXXX, the account balance. The check was not received. I followed up in XX/XX/XXXX and Bank of America said they would investigate and it would take 15 business days. 

I have not heard from Bank of America since that time. 

I am requesting a check for {$1300.00} from Bank of America.

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 2021-03-12 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 provided everything that the credit company required me to give to them. They said I needed to give them my proof of address, my ID, my social and my police report. I provided all of this to them and they said it would take 48-72 hours for me to see the items removed and they have everything that they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
This is for a boat loan. 

On XX/XX/XXXX, at or around XXXX hours, USAA denial a boat loan without checking my credit report. 

XXXX called back as and stated that a manager will review the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To Whom it may concern ; The afternoon of XXXX XXXX 2021, I received a call from someone who said they were a representative from XXXX and that this was a urgent matter. They had me verify things in my phone settings convincing me my phone had been compromised and that they would need to access my phone in order to stop the hackers from stealing money from my bank accounts. While this was in process I became concerned and called the USAA Fraud line. I received a message that it would be 2:49 minutes before anyone could speak with me. I called several times in the hours proceeding. The same message over a 2hr wait to speak with anyone. I finally figured out that I could block my USAA account thru doing some research on line. I blocked my account the same day. I was able to finally reach a USAA rep XX/XX/XXXX and they opened up a dispute in my behalf. XX/XX/XXXX I got a call from USAA Rep explaining she would reach out to XXXX the company responsible for transfer these unauthorized funds and call me back. Never got a call back! Reached out to USAA and was transferred to another USAA rep in the fraud dept. I was told they would appeal this unauthorized charge. No action has been take again! 

I have filed a Fraud report with the Federal Trade Commission ( Report Number XXXX ) Please Advise 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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I submitted a complaint against Lakeview Loan Servicing on XX/XX/2021. I just reviewed your status report that stated the matter was closed because the " company responded ''. However, the company has not responded to me nor have you provided anything concerning the matter. Please reinstate this complaint until the company responds to the consumer and satisfies the consumer demands. Thank you, XXXX 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
Consumer complaint received 2021-03-12 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: CURO Intermediate Holdings
State: OH

Complaint narrative:
There is a acct with speed cash on my credit that show up I never opened a acct with them I have tried to dispute it thru XXXX XXXX but nothing happens I talked to a agent there and they have me info speedy cash acct # XXXX the acct was opened XXXX XXXX the amt on the acct is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Payments duplicated for XXXX and auto-retry withdrawn from my checking account and funds never applied to the balance on the credit card. as well one payment of XXXX and XXXX auto retried and never show a positive balance on the credit card account but withdrawn from my bank,

Company response to consumer: Closed with monetary relief