vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 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: CO

Complaint narrative:
ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX  IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I initially applied for two mortgage loans in the beginning of XX/XX/2019, there were some follow up questions and I provided all the required information almost instantly. I was refinancing my primary residence and investment property in Hawaii. The file was not fully underwritten in over 60 days. At the end of XX/XX/XXXX I decided to cancel the loan since I did not see any progress. I was referred to a different captive agent in Wells Fargo ( Sales Manager ) who was supposed to push things through faster. I initially re-applied around XX/XX/XXXX. After again a few back and forth follow-ups the loan was finally submitted on XX/XX/XXXX. Underwriter did not even look at the loan until XX/XX/XXXX and then the basic questions started to roll in about my ratios which were not even calculated correctly. Regardless, this was a clear Regulation B violation where I did not get a reply within 30 days from my loan submission. And this regulation has been violated twice! The bank 's excuse was that they are really backed up and don't have enough underwriters on staff. I have the proof in the text and emails.

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Over the summer I received a phone call from someone at Harris and Harris looking for my husband. They FAILED to identify themselves as a debt collection agency. They asked to speak to my husband ( it was my cell phone ) and I said they had the wrong number. When I asked what it was concerning, they hung up on me. I called them back to find out what it was about and they hung up on me again. I finally was able to speak to someone and they said it was medical debt but they could only speak to my husband about the bill. Turns out it was actually a bill for my son for an ER visit I had taken him too. The hospital had been sending the bill to the wrong address and then turned it over to collections. The bill was a co-pay I tried to pay the night of service but they wouldn't accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a co-borrower on a car loan, my husband is the primary. The vehicle was awarded to me in a divorce settlement which I had previously made Capital one aware of and updated the address for the vehicle to my address. When the loan was paid off I was due a refund. I contacted Capital one prior to them issuing the refund check to verify that the check will be issued to me and mailed to my current address. Capital one assured me that this will be done. However, Capital One later issued the check to the primary holder and mailed the check to his address. I was told that no one had changed the address in the system even though I was told that this was done. I have not been able to get clear answers from Capital One despite several attempts to contact them regarding this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
After my father 's death, I tried to sell his house but only to find out there is a lien ( {$79000.00} ) from XX/XX/XXXX. The loan was refinanced through Wells Fargo in XX/XX/XXXX but they never sent the appropriate records to the XXXX County Courthouse. Now, the mortgage is with XXXX XXXX XXXX, XXXX and they started the foreclosure procedures. Ive contacted them for direction on to get a letter of satisfaction from Wells Fargo. They recommended I hire a realtor. That makes no sense. HELP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( parcel XXXX ) Amount : {$79000.00} Instrument : XXXX XX/XX/XXXX Recorded XX/XX/XXXX This mortgage is re-recording of mortgage instrument XXXX satisfaction on XX/XX/XXXX. Instrument XXXX for Instrument XXXX only. 
Mortgage Instrument XXXX still remains open. 

Instrument XXXX XX/XX/XXXX Recorded XX/XX/XXXX Amount {$85000.00} Assigned to XXXX XXXX XXXX XXXX XX/XX/XXXX Instrument 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 2019-10-28 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: DC

Complaint narrative:
I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to call Experian on XX/XX/XXXX. On two different phone numbers. ( XXXX ) XXXX. And ( XXXX ) XXXX. I realized that on my credit report I have 4 inquires that I never did. 1 from XX/XX/XXXX from XXXX. 1 from XX/XX/XXXX from XXXX. 1 from XXXX XX/XX/XXXX. And one from XXXX XX/XX/XXXX. To dispute online it says it is not possible and to call so I called an couldnt reach a representative. So I XXXX XXXX   experian. And tried calling the second number. And again couldnt get ahold of experian. Experian is making it impossible to fix my credit. I previously in XXXX spoke with XXXX who said the inquiry will be removed. And these new inquiries are even more confusing as I never applied for them.

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 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Our law firm uses Citibank N.A. for our banking. There are only two signatories on our account. Citibank negotiated a check made out to someone who has no signing powers on our account. The check was signed by this same person. We don't know who he is but suspect he is an employee of the shredding company that had that very day picked ; up boxes of documents from us fro shredding, including blank checks. 
Citibank very officially opened a fraud investigation and just closed it, claiming we had not lost any money. I want them to investigate how the bank permitted this non-signatory to submit a check for payment to himself. We also think that the bank should have referred the matter to the police.

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 2019-10-28 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: DC

Complaint narrative:
I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

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 2019-10-28 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: DC

Complaint narrative:
I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
To whom it may concern, On XX/XX/2019 I placed an order on Kohls.com for the amount of {$110.00} and incorrectly used my saved shipping address, which I have recently moved from. When I realized my mistake, within moments, I contacted Kohl 's customer service to have the order cancelled, per their policy. When I logged into my Kohls.com account, I saw that there was no way to cancel my order, so I contacted their customer service department. The customer service agent told me that because I elected to have part of my order for pick up at a store, and the other part shipped, I could not cancel my order or have my order redirected. Instead, I would have to track down the shipping companies and make my own arrangements. When I asked for a supervisor for further assistance, the supervisor advised me of the same issue, that she could not/would not cancel the order, and that I would have to make other arrangements. After this call, I proceeded to cancel my Kohl 's Store Charge Card and stated, I would not be able to receive the shipment, and I would not pick up the items in the store -- - and therefore, I will not pay the bill. 

My complaint is in two parts : one, Kohls.com policy is that an order may be canceled within 30 minutes, by logging into their ordering system and selecting cancel ( not available for me ) and/or by calling their customer service number. I was not able to cancel my order, even after I followed their policy -- - two,  because they would not cancel my order, I will not receive my order, and therefore, I should not be liable for : {$110.00}. Last, I was not provided the carrier or tracking information to change the direction of my shipment, and the supervisor could not confirm which carrier would ship my order, making it impossible to fix this issue. 

I am disputing a charge of {$110.00} on my bill, for goods I did not receive and I advised Kohl 's I would not be able to receive, moments after submitting an online order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
I paid off the debt directly with XXXX XXXX on XX/XX/2019. They stated they would delete it from my credit profile. This should be deleted from my credit file as soon as possible. Waypoint Resource group still shows that i am in collections Delete the WAYPOINT RESOURCE GROUP ( XXXX XXXX ) that is on all 3 credit bureaus. I would like it deleted from all 3 bureaus see payment receipt below : Hi XXXX, We've received your payment, thanks. 



Payment Amount : {$780.00} Payment Date : XX/XX/2019 Payment Method : Visa ending in XXXX Account Number : XXXX Make your life easier by setting up automatic payments using EasyPay. It's free, secure, and saves you time. 


ACTIVATE EASYPAY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CO

Complaint narrative:
Over {$2600.00} dollars of fraud charges were charged to my Direct Express card. Which is were i get my social security payments from. I filed a complaint with the company supplied them with all documents they asked for including a police report that was filled. I was told the case was closed they couldn't find that they were fraud charges. 

I called back and spoke with a manager and explained to him that I was in the ICU for the whole month of XXXX that I had no way to make these purchases. He said he would reopen the investigation and asked me to send him the paper work from the hospital showing i was in the ICU. Which I did. 

Now anytime I call and reference the SR number it directs me to a message saying they are busy at the moment try calling back.. This has been going on for months. I have faxed them asking for someone to call me and I have yet to speak with anyone. A police report was filled and investigated and they have issued a warrant for the person who stole the money. That's great but I need my money back. I live on a fixed income and this is a big chunk of money that was taken. The customer service with this company is very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Financial National Bank keeps putting a negative remark on my credit reports that is incorrect, not authorized and they keep putting this statement on my credit file. 

This is copied directly from my credit report : This is on my WF/XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account status Closed Individual Remarks Dispute resolved ; consumer disagrees, account closed by consumer The individual remarks are being put on my credit file by this company when I have NEVER DISPUTED THIS ACCOUNT : The account is closed, the account was late due to sickness and loss of job but account is now handled by a debt management company and is current. I am not disputing this, I do not disagree but this company keeps putting these FALSE remarks on my credit files and I want them to be investigated. 

This is not the first time that any entity of Wells Fargo has been caught doing illegal things to consumers. I want this remark to be removed immediately and permanently and I do not want it to keep coming back on my file each month. The only remark should be " Account Closed by consumer '' All other remarks and dispute codes should be removed and stay removed. 

I will keep filing CFPB complaints each month that Wells Fargo keeps putting these lies on my credit files. I am sick of dealing with this and if you refuse to remove, if you refuse to initiate contact with me I will escalate this complaint to the FTC and the State Attorney Generals office and if I have to sue you in a court of law over you putting these false remarks on my file I will do so.. 

I have contacted them at WF/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX USA ( XXXX ) XXXX And they refuse to call me back or to comply with my request thus this complaint being filed.

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 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I am continuing to have issues with my Servicing company. My Servicing company continues to repeat the following : " After completing our investigation into the aforementioned issues we determined that overall, there were no errors on our part. '' This is the root of the problem. My Servicer REFUSES to  admit they they or their predecessors have made errors in regard to my mortgage. Among multiple other failures and misconduct, XXXX XXXX failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. As the new owner of my mortgage, Nationstar/Mr. Cooper also failed to send a Welcome letter at any time during the duration of their ownership. In the same way, Nationstar/Mr. CoopeXXXX also failed to send a Good-bye letter informing that they were no longer the owner of my mortgage as of XX/XX/XXXX. In addition, XXXX XXXX failed to send a Welcome letter when they became the owner on this date. In the processes of my interactions, I have continued to reach out to my Servicer, to request that the Settlement offer be renewed, which was extended to me in the latter part of XXXX. Until XXXX of XXXX, interactions from Mr. Cooper regarding a Settlement offer had ONLY been by email. In order for the XX/XX/XXXX Settlement offer transaction to be completed, my investor required that Mr. Cooper send a hard copy of this agreement with a POSTMARKED DATE via U.S. postal service. Mr. Cooper did send a hard copy of this agreement. However, it did not arrive until XX/XX/XXXX, and still did not possess a dated postmark. THIS is precisely the reason the Settlement offer could not be completed. Mr. Cooper and other Assignees of my mortgage are responsible for many violations in regard to my mortgage. I possess multiple pages of documents outlining these errors. Failure to send Welcome and Good-bye letters and failure to send a hard copy of the Settlement agreement are only two of the large number of violations regarding my mortgage since its origination. ( Attached are letters and replies. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
PHH Loan # XXXX I applied for a disaster forbearance XX/XX/XXXX due to the winter disaster of XXXX. I was approved for XXXX, XXXX & XX/XX/XXXX. I paid all. Than rolled over to a temporary loan mod for XXXX, XXXX & XXXX, XX/XX/XXXX sending my Quitclaim Deed with all filings. I paid all. Filed all of the paperwork in XXXX for a loan mod that started in XX/XX/XXXX with first payment XX/XX/XXXX. I was approved. I have been paying {$2100.00} ( amount of temporary loan mod as well ) for the loan mod monthly. I was told at the end of XX/XX/XXXX that my signature did not have my middle initial on said loan docs. I sent in ( notarized ) documents with middle initial XXXX XXXX. I was once again told that it was approved by my case manager. At the end of XX/XX/XXXXI was told that PHH had not received my Quitclaim Deed. I had sent a Quitclaim Deed with every filing. I sent another copy and PHH found the 1st & 2nd copy in the file during that phone call. I was told today XX/XX/XXXX that my documents were not approved because PHH does not accept Quitclaim Deeds any longer for Loan Mods. I have called PHH every week asking for my documents and was assured that my loan mod was approved but that my documents were not ready for sending out. At no time was I told that PHH had changed the procedures of not accepting Quitclaim Deeds until today. Nor was I told that my Loan mod did not go through until today. I have repeatedly asked for my case manager to call me without return phone calls. I left a message today for his supervisor but as of yet I have not received a phone call back! Please help!

Company response to consumer: Closed with explanation