vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 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: CA

Complaint narrative:
My XXXX account became delinquent in XXXX in the amount of {$160.00} due to extended unemployment. Since then the debt has been bought and sold to several collection agencies. The latest agency, XXXX  XXXX, is reporting the debt as a new debt, first reported date : XX/XX/XXXX. I have filed two disputes to correct this and submitted older collection letters, dated in XXXX, as verification but there is no correction to my credit report. Also, the delinquent amount is {$810.00} rather than the {$160.00} listed on the earlier collection letter.

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 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I cancelled my XXXX XXXX XXXX internet utility service after moving in XX/XX/XXXX. I had been renting a router, and per their instructions upon cancelling returned the router to them by bringing it to a XXXX store to be mailed. I received confirmation of my account cancellation, with a {$0.00} balance after final billing. 

Several months later, I received a bill from XXXX XXXX XXXX for approximately {$300.00}, attempting to charge me for equipment not returned. I spoke via online chat to their customer service, and received confirmation that this charge was in error, and would be removed from my account. I have a chat transcript and reference number as proof of this. 

Months after the first interaction, a collections agency contacted me looking for the same ~ {$300.00} amount, which had apparently not been scrubbed from my account, and sent to collections. Again, I went to speak with XXXX XXXX XXXX service, clarified the mistake, and was assured that the charge would be removed. 

Today ( XXXX XX/XX/XXXX ), I received a letter from XXXX XXXX XXXX   notifying me that they are attempting to collect a debt of {$340.00}. The letter states that this is from my XXXX XXXX XXXX account. I spoke to AT & T service again, and was referred to their collection/financial team, which stated that because the billing system was automatic, they could not do anything about the amount being sent to a third-party collection service. 

I returned my equipment almost a year ago, and have been repeatedly sent to collections, which threatens my credit score. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
I received a call from XXXX ( XXXX ) XXXX claiming they were with the FBI and that my identity had been stolen and my social security number needed to be changed. They told me I needed to purchase Google Play cards in order to protect my money. I called Google Play and let them know and they told me to file a complaint here. I purchased these cards through XXXX XXXX and XXXX. Attached is the voicemail and receipts I received.

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 2019-03-18 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: NY

Complaint narrative:
To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX, I did sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The payment is showing late on XXXX XXXX by mistake. I would like a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The payment is showing late on Pen Fed by mistake. I would like a proper investigation.

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 2019-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I signed up for a Capital One Money Market account on XX/XX/XXXX. My account number is XXXX. Under the terms of the bonus offer at the time, the offer stated the following : " Deposit at least {$50000.00} no later than XXXX XXXX ET on XX/XX/XXXX If you have or have had a savings product with Capital One after XX/XX/XXXX, you wont be eligible for the bonus. 
Bonus offer is not valid for multiple accounts. 
If you qualify for a bonus, Capital One will deposit the bonus money into your account within 60 days after completing the above conditions. 
Once its deposited, the funds will be available immediately. Account must be in good standing ( not in default, closed, or suspended, or otherwise not in good standing ). 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' Upon depositing $ XXXX in $ XXXX installments over the period between XX/XX/XXXX and XX/XX/XXXX, I then proceeded to withdraw the funds from this account. I have since tried contacting Capital One on chat and then on phone, and proceeded to speak with a customer service representative and a supervisor who advised that the terms of the offer have since then changed and keep directing me to the renewed terms of the offer which state that the funds need to be in the account for a period of 60 days after the time passes. The terms at the time of the account opening do not have the requirements for the funds to stay in the account for 60 days. The terms of the offer were not honored for me even after fulfilling the requirements. 

I request that the {$500.00} bonus offer be honored by Capital One since I deposited the required amount during the period between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: TX

Complaint narrative:
There is a late showing on my credit report for XXXX XXXX. I would like this late to be investigated.

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My real property note was sold on XX/XX/XXXX with the corresponding servicing transferred to ShellPoint Mortgage Service. They claimed being unaware of insurance on my the property at this time, even though the declaration was provided to them by the former servicer and by myself. I received numerous statements from ShellPoint that the property didn't have insurance, even though continued declarations were provided by both my insurance company and myself. Repeated conversations with customer service and content from my account login provided both oral and visual confirmation of said proof. Furthermore, renewed insurance was procured and with the annual amount paid in full on XX/XX/XXXX. On XX/XX/XXXX, an additional payment of {$140.00} was made from my escrow account by ShellPoint to XXXX XXXX XXXX XXXX. Repeated phone calls and email to customer support has yet to provide an explanation to this charge, behavior and the ShellPoint escrow policy under the terms of my note agreement. Thank you for you attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: NY

Complaint narrative:
To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: GA

Complaint narrative:
To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have attempted to speak to have my issues resolved through Capital One many times through their customer service representatives. Within this last week they have misinformed me and misled me many times. I always had issue with my online banking it was finally resolved last week, I was able to login after nearly 8 months without the service. In the month of XXXX I spoke to a Capital One representative, I fell under the impression that this representative had set up automatic payments for me, again during this call I asked for help with the online banking to no success. In the month of XXXX I noticed I late payment for the month of XXXX on my credit report, immediately I filed a dispute through XXXX, to this date I have not received a letter from Capital One regarding the dispute. I have tried over and over again to have Capital One representatives hear me out. I have been hung up on, and transferred endless times with each rep unwilling to assist me. I also attempted to submit dispute via U.S. Mail, with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. XXXX had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and Trans Union, and its been well over 30 days.

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 2019-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm XXXX and I'm struggling to make my Mortgage payments. I conducted research on what can be done regarding payment assistance. TIAA Bank has payment assistance listed on their website. In late XX/XX/XXXX, I decided to submit a payment assistance request from the bank. I filled out the Bank 's payment Assistance Form 710. Within a few business days, I was sent a loan modification packet. I filled out and notarized the packet and sent it back to TIAA Bank, In the packet, I would have to pay four ( 4 ) trial payments starting in XX/XX/XXXX. 

I called the bank regarding the XXXX Payment and was told to qualify for the trial payments, I'd have to make the XXXX Mortgage Payment. Later that month in XXXX, I was informed I wasn't supposed to make that payment. I proceeded to contact the manager who corrected the error and applied my XXXX Payment to XXXX 's trial payment and partially to the XXXX Payment. 

The Trial Payment Period ended this month in XXXX. Now I receive the final loan modification documents from the bank and its completely unfavorable to me. The bank is deferring a portion of the balanced owed on the outstanding Mortgage balance. The balance I owe is {$160000.00} and the amount being deferred is approximately {$19000.00}. The remaining balance is {$140000.00}, but the deferred amount is still due after the {$140000.00} is paid. The interest rate is the same at 4.625 %. The only thing the bank is offering is to extend the mortgage to a 40-year loan as opposed to the fixed 30-year loan. I'm also being informed there an escrow account shortage of {$1200.00}. I was never informed of this shortage during this entire process. The bank is allowing me to " spread '' the escrow over 60 months resulting in a higher modified mortgage amount.

I feel like Im being penalized for requesting a loan modification. With a 40-year loan, Ill pay an additional {$130000.00} for a house thats still underwater since the housing bubble burst in XXXX, just to get a loan reduction amount of {$190.00} per month. This is a complete outrage! Its deplorable, disgraceful, and unacceptable to manipulate and exploit XXXX people who are asking for payment assistance with their Mortgage, so they can stay in the house. If I dont sign the loan modification document and have it notarized, I have to pay {$3400.00} to the bank just to be current. The whole point of asking for payment assistance was to lessen the burden of making my mortgage payments, not to penalize me for making the request. Thats whats happening here. I have no choice but to sign this document. What payment assistance is this bank offering? Absolutely none. In fact, all this bank has done is to increase my financial burden on a property still about {$50000.00} underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. Experian had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and XXXX XXXX, and its been well over 30 days.

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 2019-03-18 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax, XXXX, and XXXX need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: GA

Complaint narrative:
To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great  damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.

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 2019-03-18 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
The company is abusing my credit by purposely reporting my payment status as 30-59 days past due this month of XX/XX/2019 when it is less than 10 days past the due date. They are using this as a tactic / aggressive collecting.

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 2019-03-18 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: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC report had been filed, they will be attach to this complaint.

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
3 years ago we were informed we needed flood insurance by our mortgage company because FEMA redrew the flood maps and a fraction of the home, built in XX/XX/1955, and maybe 25 % of the property, is now in the area where we are deemed to have a 1 % chance of flood damage in 100 years. Our mortgage payments had been set up as a reminder on our checking account, I do not write a physical check, so I did not review the monthly statements. We started to receive threatening notices about the need for insurance and a clause in the law that says the mortgage company can force the homeowner to pay into this escrow account and they would purchase the insurance for us, with a warning that their rates may be higher. After several months of threats, and no progress when contacting Chase Morgan, we obtained Flood Insurance from XXXX for about {$500.00}. They kept trying to collect {$4000.00} in escrow. 
Again, this year, same thing. They never sent the escrow that had been collected to us to pay the current year flood insurance, which ran over {$600.00} this year, yet they are still trying to collect {$2500.00} in escrow. Now they are threatening with : 1 ) adding the escrow due back onto our principal, 2 ) putting our loan into collections, 3 ) even though the flood insurance has been paid, force us into insurance from a company they control. 
Flood insurance is only available from FEMA, they should ALL have the same rates, yet their insurance company quotes over 3 times the XXXX rate. We have done an elevation certification, to show the map FEMA used was inaccurate, and out of date, trying to get a variance from FEMA so we would be exempt from the insurance.

Company response to consumer: Closed with explanation