vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 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: CA

Complaint narrative:
Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: CA

Complaint narrative:
Medical Business Bureau is stating that my first date of Delinquency for the amount of {$360.00} was XX/XX/XXXX, but I was n't in the hospital until XX/XX/XXXX. The original bill is from XXXX XXXX XXXX, which was paid in full and I have supporting documents. XXXX has already honored my dispute and DELETED the item off my credit. I just need XXXX and XXXX to follow suit. I also have the hard copy supporting document showing that XXXX has removed this item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a phone payment and they sent me a bill for a higher amount stating it was past due. This is so wrong it 's unbelievable! They are extorting fees on me again! I can not do business or trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is in regards to following accounts on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX I disputed the validity of these accounts and asked for actual physical documentation concerning these accounts or have removed from credit reports since unable to verify. I waited more than 30 days which per FCRA law, that is the time frame needed by a credit reporting agency to conduct a reasonable investigation. After such time, if unverified, disputed accounts must be removed from consumers credit report. Not only did these accounts remain as accurate, but I also received no documented proof such as : Signed contractual agreement HIPPA signed authorization form If this account was truly verified, then please send me the following ; entire process and policies implemented to ensure only accurate information is reported on my credit report. 

Who conducted such investigation and what documentation was received. 

Verification method used to verify these accounts Statement explaining why my request to receive valid proof and all documentation pertain to this account was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!

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 monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XXXX, I got a loan with Wells Fargo a XXXX student loan it was XXXX paid out in XXXX XXXX and XXXX split in half. This covered XXXX units. 
The finance charge was {$24000.00} interest XXXX. 
They will or have gotten a total amount of XXXX triple the loan amount. 
I need help please!!!!!! 
I went into the XXXX XXXX XXXX in XXXX got the loan interest down to the XXXX XXXX  during my XXXX XXXX time until XXXX under the XXXX XXXX XXXX XXXX, I got the deferred for school on other occasions. 
Its XXXX I still over XXXX. My parents co-signed. My parents filed bankruptcy in XXXX in XXXX my step father passed away. When I got out of the military I called Wells Fargo begged pleaded to get help. Im now a single mother, working for XXXX XXXX as civilian. I still have this debt on me should. XXXX years later. I have attached all the documents I could find. 
This is insane. I wrote my XXXX in California in XXXX there was nothing they could do. In XXXX XXXX, I went bankrupt of the course the loan was not part of that since a XXXX student loan. Please help me I want my money back. They have made their money and now it looks like they did stuff with my credit I got another note as did my mom dated XXXX XXXX XXXX. 
Thank you. 
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 explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX17 I opened a checking and savings account with the bank. At time of setting up the acct there was a promo entered XXXX, which had terms that 2 direct deposits must be received and then {$400.00} would be given to consumer in the form of a deposit within 90 days of 2nd transfer. I called the bank last week to advise that my the {$400.00} for setting up the acct with direct deposit was never received and I followed the terms and still have an ongoing direct deposit coming from my employer. The rep advised me that it is because I am transferring the funds from XXXX XXXX XXXX. I explained to him that he was incorrect and XXXX XXXX XXXX is my employer so the direct deposits will say XXXX XXXX XXXX The gentleman apologized and then explained that the promo was updated a few weeks after I set up the account to be for targeted cities only. I informed him that I believed that it is bad business to do the bait and switch. He apologized for the inconvenience and agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

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 2017-10-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public record is incorrect. I have verified with the court the dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

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 2017-10-11 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was called numerous times on a daily basis about a debt that Portfolio Recovery purchased in 2014. I  requested verification of the debt on numerous occasions, but I have never received any documentation ( a bill or any other proof ) from them. Because the account was negatively affecting my credit and my requests for validation were essentially ignored, I settled this account for s portion of the balance. 

Since then, this company has continued to report monthly as a factoring company with each credit bureau and has done so since the purchase of the collection account in 2014. The account shows that the debt originated with XXXX. I do not have the full account number. It begins with XXXX. 

I reached out to this company via a BBB complaint. Despite the fact that I attached documentation, which proves the contrary, the company has ignored my complaint. 

XXXX XXXX XXXX business practices are unscrupulous. Rather than perform its own due diligence by obtaining documentation from the claimed original creditor, the company continues to send me mail requesting that I provide such documentation. Even faced with proof of its illegal reporting on my credit reports, the company vehemently denies any wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/17 XXXX XXXX  EST Quicken Loans who provides loans online through rocket mortgage is ruining my credit when I was seeking a mortgage loan through them online. When applying for a loan, they did not state when they ran my credit that If you have had a foreclosure in the last 7 years they could only provide a FHA loan, which in my case, was not accepted by the seller on the house or acceptable by me. This ruined any chance on buying the home and now is ruining my credit in the process on the home I was looking looking to buy. I would have been better off with 90 % down and placing the rest on a personal loan since the amount was much less than the loan I was looking to get approved on. Quicken loans is causing my credit to fall with long term damages for getting a loan for a car in the future ETC ... .To me this is like a bait and switch attempt for quicken loans to provide mortgages to get people to use thier service. When sellers require that loans are not FHA Quicken Loans through Rocket Mortgage does not state it even if its the only loan they can get no matter what the damages are to thier clients. FHA loans require PMI or private mortgage insurance causing undue pain to those that seek a loan by increasing a monthly payment. From this simple credit check, this is causing me to believe that the mortgage crisis is still in full effect caused by the lending institutions and there is no accountability here and things need serious change in america which I will surely pass my experiences to my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
EDFINANCIAL is hurting my report in which was closed in XXXX of 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX This is a response by to a letter that was sent to me onXX/XX/XXXXstating if I 'm not satisfied with the response from Ocwen Loan Servicing that was sent to you to reply or you will close the file. After gathering document to show that I was force into a medication from Ocwen after being dismiss from bankruptcy, a class action law suit was file against Ocwen and I receive a letter dateXX/XX/XXXX stating if I did nothing I would be part of the law suit letter enclosed ) I have never anything from the suit, and CFPB was involved in the law suit against Ocwen. Furthermore Ocwen state that I requested a modification and was approve for HAMP modification but there is no indication this HAMP modification is a SILENT SECOND MORTGAGE I would have not requested XXXX added to my loan if they would have stated that it was a second mtg. Guideline to what a silent second mortgage is enclosed. and according to RESPA the mortgage company is suppose to provides consumers with improved disclosures of settlement costs and to reduce the costs of closing by the elimination of referral fees and kickbacks. and I 'm still ask Ocwen to clearly show what the XXXX was applied to and what did Ocwen send to IRS interest that was paid by buyer for the time XXXX. Could not enclosed the silent second mortgage will send later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.

Company response to consumer: Closed with explanation