vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending correspondence to XXXX since XX/XX/XXXX to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/XXXX. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried over the last several weeks to place a " Credit Report Freeze " on my information with the company called Equifax. They suggest using their web site to Freeze Your Credit Report, but the system reports an error " 500 " and will not allow you to proceed. I have called their listed phone numbers, XXXX and XXXX all to no avail. 

I want my credit report to be placed in Freeze before some one uses my information Illegaly. 

XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. 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 2017-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: CA

Complaint narrative:
I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made reservations at a hotel for XXXX XXXX through XXXX I never made it to the reservations but the hotel was entitled to take {$50.00} for breaking reservation they try to take the {$50.00} but could n't because it was n't available but they already had pre-authorization for {$220.00} which after they returned because I did n't take the XXXX days at the hotel when they figured out they could n't get the {$50.00} because it was n't in the account for breaking the reservations and they forced the transaction to go through for {$220.00} then left me negative. I contact my financial institution which is XXXX XXXX XXXX they gave me a hassle today is XXXX XXXX this dispute has been open since XXXX XXXX and still I have no outcome even though they know that the hotel attempted to charge me {$50.00} for the breaking of the reservation and could n't get it and forced the money to go through they did n't give me a provisional credit then and give me anything. My utilities as well as phone were cut off due to this Fiasco I 'm asking for {$150.00} aside from the {$220.00}. Also this card was advertised for budgeting for never being able to go negative if this car went negative and it was never supposed to that 's a classic case of false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15 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: UT

Complaint narrative:
I contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX try to cancel a warranty never did after 4 months nothing happend

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
This problem has been escalating since XXXX XXXX. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX This company has been constantly harassing me and my family to the point of affecting our well-being and our state of safety. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX I have never missed a payment they are all done electronically through my XXXX bank account. The mortgage service company XXXX, has been claiming I owe them thousands of dollars and late fees since early XXXX. I have already made a complaint against them because every time I try to contact their customer service all they want to hear is " how am I going to pay ''. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX After the last complaint I was told that it was all about a {$36.00} escrow shortage. I immediately paid XXXX/XXXX/XXXX but that did not stop the constant belligerent phone harassment from PHH Mortgage Services. I have tried everything possible to rectify this debacle. I have all documentation that I never missed a payment. I can only retrieve the last 6 months ( see attached ) but I 'm sure I can contact XXXX to go back further. 

PHH Mortgage Services, XXXX Mortgage XXXX, Mt. XXXX, NJ XXXX XXXX Please help. This company is ruthless and relentless in their harassment and my family is at their wits end. I am afraid something bad is going to happen and then I will have start suing PHH Mortgage Services, XXXX Mortgage Way, Mt. XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation