vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 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: PA

Complaint narrative:
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I called 'Procollect rent collection agency ' at their phone number XXXX to settle an outstanding rental debt that I wasn't even aware of. I first spoke with a lady ( I didn't get her name ) who was very abusive and aggressive in her language. I gently asked her that I was willing to settle the debt with not the full amount ( {$1600.00} ) but with what I have - which was {$1100.00}. She berated me repeatedly and abused me for not accepting the offer that was made to me in 2015. I tried several times to explain to her the reasons for not being able to settle it, but she continued the aggressive berating. I asked her why she was mistreating me and was it due to the fact that I'm an XXXX and my name is XXXX and she said 'Have a nice day ' and hung up on me. 

I called back and asked to talk to a supervisor and they put me on hold for 10 minutes after which I hung up and called back. This time a lady named Ms. XXXX answered and asked me to hold and before I could reply, put me on hold once again for another 7 minutes after which I hung up. I called again and I asked the lady why they were putting me on indefinite hold and she put me through. I finally got through to XXXX XXXX and I explained to her the abuse I'd recieved earlier. She said that she trains all her employees not to be abusive which was not true at all. I asked her if she'd be able to offer me a settlement and she too rudely stated that she wouldn't and proceeded to read out the consequences. I asked her if my inability to pay would show on my credit report and Ms. XXXX STATED CLEARLY THAT THIS DEBT WOULD SHOW UP ON MY CREDIT REPORT. When I said that I'd checked all my credit reports ( XXXX, XXXX  & XXXX XXXX ) she reiterated that I was wrong that it indeed would show up on my credit report. I couldn't take anymore of her abuse and hung up. 

Ms. XXXX and her employees not only abused and berated me for not being able to pay, but she made a PATENTLY FALSE STATEMENT that my credit history would be negatively impacted by this particular rental debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: AL

Complaint narrative:
I have missed my XXXX mortgage payment. I have called my servicer The Money Source several times about a deferment, forbearance, or any help in becoming current. I told them I don't have XXXX 's payment but I will have the XXXX payment. I told them I receive {$800.00} in monthly social security and {$73.00} a week in unemployment. The collection agent continuously tried to force me in to selling the home to avoid foreclosure or refinance and add YEARS on to my loan amount just because I am 1 month behind. They have denied a deferment and forbearance. I need help but refinancing and/or selling my home because I had an unexpected expense this month hardly seems like working with me to resolve this issue. The Money Source refuses to actually care and help me resolve this issue. I just don't have XXXX 's payment but I will have XXXX 's payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/18, I attempted to apply for a Discover IT card through a link on XXXX. I had just recently moved and was unable to verify my new address with a bank statement at the time of application. I immediately attempted to rectify this by opening a local bank account ; unfortunately I was informed that I wouldn't be able to get a bank statement from them for around two weeks. 

Concerned, I called Discover 's customer service number and was informed in no uncertain terms that they would put a hold on my application for 30 days so that I'd have time to receive that bank statement. I was also informed that I had been pre-approved for the card pending that change of address confirmation. Upon finally receiving the bank statement and attempting to resume the application, I was informed that the application had already been denied, well before that promised 30-day window was up. The customer service rep I spoke to ( XX/XX/18 ) promised to have a supervisor reach out to me. No call was received. 

When I called in again, ( XX/XX/18, spoke to a supervisor named XXXX based in XXXX XXXX XXXX ) I was told that another hard credit pull would be necessary to restart the application, a completely unsatisfactory resolution. I do not believe my credit should suffer two hits due to the incompetency of Discover 's customer service team. I am incensed that they refuse to own the mistakes of their employees, and I do not believe they should be able to misrepresent their services in a favorable light when it suits them to attract customers, but then completely deny all accountability when their false promises fall through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I settled a Capital One account for less than full balance and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX , to XXXX this company place a debt on my credit report which after disputing it with the credit bureau , it was deleted off my report in XX/XX/XXXX ... then as of XX/XX/2018 after checking my report, they sold the debt without accurate information to a company called Commonwealth Financials, using a different acct # XXXX, with an incorrect open date of XX/XX/2018 and they reported it on XX/XX/2018. Commonwealth Financial address is XXXX XXXX XXXX, XXXX city, pa XXXX ... I think it not fair the way debt collectors be buying debt from other companies without even verifying if the information is valid. I am asking you to stop these companies from falsely adding debt to consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
I was contacted by my bank institution ( key bank ) and I was informed that there were some activity within my account and wanted know if I knew or authorized. I told them no I did not and do not have any transactions recently that I made. I was instructed to come in to my parent banking institution to sign some papers stating my knowledge of the inscident and let them know I did not make that transaction. I failed to remember my ID and I was denied seeing the gentlemen who I spoke with from my branch and therefore I missed the ending time for gettin the papers signed and my account was canceled with an alert on my name. I work full time on a some of 50-70hrs a week so Its a conflict with me being free to situate this issue. I also stated that and I took a day off work. Only to be rejected. I asked the clerk at my branch if it would be a problem to make the gentlemen aware that I was present in hopes he would understand my issue of my ID, so that I could be given a grace period to straighten this out. Again, I was not accepted. I went back a couple later to fill out the papers anyway just because. I was contacted by the gentlemen who instructed me to come in and he told me he couldnt do anything now that the account had been closed. I was given the info about this site by XXXX XXXX  after an attempt to establish another account there. I was told theres a alert attached to my name. The issue was that an attempt to deposit a check for a some just under three thousand dollars on XX/XX/2018. Again I informed them that I had no knowledge of this activity. I cant recieve any of my work checks because of this. I have to support myself and family. Big hinder! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for several months to try to rectify the address that Equifax has about me. I have explained that i live in a single family dwelling, that it is not an apartment building and yet they persist on maintaining an incorrect address which has been on my file for many years after a mix up of addresses. They have requested, and I have sent, a copy of my social security card and of my drivers license which shows my home address correctly.

Still they send me letters requesting more information of the kind I have just provided. The bureocracy of this company is beyond belief. I want a correct credit record and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
I signed loan modification papers with soritis for new reduced mortgage interest rate and payment. An electronic payment of {$990.00} was sent to sorits on XX/XX/18 ( prior to the XX/XX/18 due date ). 
I received a statement on XX/XX/XXXX, dated XXXX as a monthly statement from sortis, that does not reflect that payment the from XX/XX/XXXX. Attached is a copy of that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
I have spoken to mb on the phone for the pest 3 months I have been trying to resolve the late payment from credit bureaus being removed.

I have been told over the phone from more then 1 employee that it will be removed from my credit report but it wasnt After trying for months I have been advised by legal advice to mail out the attached check See the dedails on the front memo and backs signature panel ( By depositing this check XXXX XXXX XXXX agrees to remove all late credit reporting from the 3 major Credit bureau

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 2018-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: DC

Complaint narrative:
USBank froze my Business Edge credit card against my will. USBank did not allege that I violated any terms of service. I complied with all of the bank 's requests. My account had XXXX rewards points, which are equivalent in value to {$470.00}. My access to those funds has been cut off by USBank. These are rewards I earned in prior periods that I now can not redeem. I request a payment of {$470.00} to make me whole.

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 2018-07-24 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: TX

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX , XXXX. - Mt, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX, someone used my identity, fraudulently, to purchase XXXX new phones in my name, under my existing wireless account. Since new phones were purchased, XXXX XXXX XXXX XXXX , XXXX. performed a hard inquiry into my credit, per policy when purchasing devices on a post-paid wireless account. 

After receiving electronic notice that my credit was checked, I immediately contacted XXXX XXXX XXXX 's Global Fraud department to report what happened. However, the Fraud group showed no record in the last 3-4 years of ever running my credit and that the check was not appearing under my name because the credit check did not include a credit reference number by which XXXX XXXX XXXX could find the record. 

Thus, XXXX XXXX XXXX can not remove the hard inquiry because they have no record of it. However, Equifax does show the credit inquiry and according to their " investigation '', the inquiry was " a factual record ''. XXXX XXXX XXXX has suggested I write to the office of the president ( of XXXX XXXX XXXX ) to get the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
specialized loan servicing XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, co.XXXX started foreclosure for 4 mo. late payment they charged me foreclosure fees of {$760.00} I have my bank documents showing the payments cleared my acct well before expiration of grace date SLS disagrees and refuses to cancel 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 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX ( XXXX XXXX ) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I went to make my mortgage payment on XX/XX/XXXX online and was unable. I called and Ocwen and was advised I was behind over {$9000.00}, which was not true as I had made, and Ocwen accepted all, of my payments to date. Upon further research, Ocwen indicated I had entered into two modification offers, which I never consented to accept ( one was for hurricane relief post hurricane in XX/XX/XXXX and was adamant that I did not want to accept any loan modification as a result of the storm nor any other loan modification agreement as I was continually making my monthly payments. This was ulimately confirmed on Ocwen 's end because they did not have a signed consent nor verbal acceptance of either offer ) After calling them three times to get the unapplied/suspense account ( balance over {$9000.00} ) properly applied to my principal balance, I was then told that all of those payments that were applied brought me current through XX/XX/XXXX! ( Keep in mind, Ocwen accepted all of my payments TO DATE through XX/XX/XXXX! ). I am gravely concerned my payments are not being credited properly and late fees and penalties are being accumulated when they should not be since I am technically current according to my records. OUt of desperation and because honestly Ocwen 's system breaks you down, on XX/XX/XXXX, I received a loan modification agreement dated XX/XX/XXXX, advising my payments had slightly increased. I spoke to an agent to inquire about modification terms, and they advised I was already denied for that loan modification ( I have in hand a loan modification agreement dated on that date, inviting me to enter into the loan modification agreement ). I am frightened and concerned and Ocwen is of no assistance on getting this matter corrected. This is impacting my credit and causing harm to my other responsibilites and above all stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Transworld System , Inc., representing XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I first called to close my retirement savings certificate of deposit in XX/XX/XXXX. The interest rate was only 0.15 % and since I wanted money for home improvement, I decided to close this account. I was told first that papers would be mailed immediately but then, after being on hold for a long time, I was told to call back the next day as he had to check security questions. That afternoon I received a letter from Wells Fargo stating that my account was inactive because I had not called them recently. My account was set up to send a check each XX/XX/XXXX and I did receive one in 2018. I have never received any notification that I had to call them about anything. In fact, in the past they called me telling me I had to set up a checking account in the amount of {$200.00} in case of problems. That I finally got back after complaining a few years ago. On XX/XX/XXXX I called and spoke to another person and discussed the letter, the lies from the previous person and asked for the papers to be sent. He informed me they would be sent out that evening and by the time I received them and sent them back, my account would be active again. I called again today because I had not received the papers and I was told yet another story. The papers allegedly were sent out yesterday and would take up to ten days to get to my home, it would take 7-10 days to get them back and process them and then another 7 to 10 days for me to actually receive my money. I consider this a delaying tactic and yet another example of them trying to cheat me out of my money.

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