vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 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: VA

Complaint narrative:
I ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
How is this company not being investigated yet????? I was on the phone with them 2 hours a day for three weeks and it's like taking 2 steps forward and 5 steps back! When calling today, the escrow analysis that was expedited on XX/XX/XXXX after talking to XXXX, XXXX, XXXX, XXXX and the finally the manager, XXXX and was told on a good note, XXXX XXXX, there's no sale date for your house yet. YES THERE IS! It'sXX/XX/XXXXat XXXX XXXX, hence why I can't wait till XX/XX/XXXX for an escrow analysis!!!! When I called today, XX/XX/XXXX, I also spoke with 5 representatives and was told this was never ordered onXX/XX/XXXX, but they'll put the request in for me now. Sure .... while my house is going up for sale on XX/XX/XXXX and this reinstatement quote is only good until XX/XX/XXXX!!! I called CFPB direct and didn't get much help either. I was told they have until XX/XX/XXXX to respond, however if they don't respond .... then what? Where's the accountability here?

Dated XX/XX/XXXX I was promised a reinstatement quote before the end of the business day today and after talking with 2 representatives and a supervisor and was told it was being expedited .... I still haven't received it. I sent you a registered letter last Monday requesting this information as well as an email on Wednesday requesting the same information. I haven't been able to reach anyone at your company in 4 months until my house was put into foreclosure. I do mortgages for a living and I have the funds to pay, but it's really convenient when you don't use the attorney you hired locally to do the reinstatement and I have to go through your office that I haven't been able to get in touch with for 4 months!!!!

What do I have to do to obtain this information from you and how is it your company is still in business? There's an open complaint with the CFPB ( XXXX ) and I will be fighting any attorney fees and cost that you requested from XXXX XXXX XXXX XXXX XXXX last Wednesday and request repayment of my attorney fees if I have to get him involved tomorrow. If my phone call was taken the 21 times I've tried calling to make payment with hold times no less than 1 hour 30 minutes, you wouldn't have had to hire an attorney. How many other people have you swindled their house from under them? I'm knowledgeable in this industry and can't believe what I've had to go through to get this information. XXXX  help those people that know nothing and just lose their house!!!

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 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
on XX/XX/18 I called XXXX XXXX, XXXX XXXX, and capital one. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX said they would close my account might be reopened but I would have to do an automatic XXXX  dollar a month payment, and capital one I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX did close the account but I am still seeing those late payments. capital one did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX  payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
on XX/XX/18 I called XXXX XXXXk, citi bank, and XXXX  XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. citi bank said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX  XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. citi bank did close the account but I am still seeing those late payments. XXXX  XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXXto XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

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 2018-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I have been contacted by this debt collection company three times on XX/XX/2018. First call at XXXX, second call at XXXX, and third call at XXXX. The first caller refused to discuss the alleged debt with me until I verified my mailing address. I did not feel comfortable doing so without knowing what the call was about, and politely decline. 

The third call was with a woman who explained more about the alleged debt after confirming the last four of my social. I asked to communicate via mail only, and not to be called due to their current level of excessive calls. She stated they just sent me a mailer in a white unmarked envelope with details about the debt, which seems sketchy to me. She reiterated twice that I may mistake the mail communication as Junk Mail. 

When I requested a mailing address, she asked me why I need the information if a letter is already in the mail. I explained I want to send a cease and desist certified mail to have written documentation of my request, and she immediately started to speak fast. She claimed that she updated everything in the notes of my account, and I can call the number on my ID if I have questions and rushed off the phone. 

I dont think my request for the mailing address was unreasonable, and I have reason to believe that they intend to call me excessively. I also feel it is not legal to keep such information from the consumers with alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Back in XX/XX/2016. I was approved from FLORIDA HARDEST PROGRAM, which reinstates my Loan to its Original Principal Balance ( {$87000.00} ), which includes installments of principal, interest, insurance premium, escrow amounts for taxes, homeowner association fees. 
But Nationstar / Mr. Copper did not hold up their end of the deal as per the Rider to Promissory Note provided by Florida Hardest Hit Program. They have refinance a totally different amount ( {$100000.00} ), plus they have kept the homeowners association fees to them self ( {$10000.00} ), instead of paying my Association, who is now declare a foreclose on my property due to the bank never reimbursing my Association fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
I just turned XXXX in on XX/XX/2017. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by ERC. I never had any accounts to have a collection I was a minor! 

I don't know why this company has my name but I have no knowledge of this account. I was never given any notification of this account but it's been reporting for years and my credit is being damaged before i could even have credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do this to me.

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 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a loan modification three times starting in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and was never aproved..I was never informed as the reason, I called them every month to let them know that it was getting harder for me to make payments since my wife had lost her job.InXX/XX/XXXX JPMorgan Chase sent me a loan modification and asked me to sign it, even thou I didnt like the content of the loan they added XXXX to it so I signed it, because they told me over the phone that if I didnt sign it they would start forcloser procedings.At no time has JPMorganChase Taken any action to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The creditor didn't send me identify verification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
I have advised Conn 's that the number of times they are calling me a day is far beyond excessive and at this point is harassment. I spoke with 2 managers on separate occasions that assured me the calls would not continue, there is a reoccurring monthly payment scheduled and Conn 's is asking me to set up a payment which has already been done. I am being called 6-7 times a day every day at all times of the day. I quoted there is a FDCPA regulation that strictly prohibits to call as many times. Two months ago I spoke with a rep and explained when the payment was being made she hung up on me and then another rep called within 30 mins asking me the exact same thing. That is the first time I spoke with a manager. I'm at work when a majority of these calls come in and this continuous badgering can cause me to lose my job. I need help! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX, Equifax and XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. Equifax list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( Experian, XXXX XXXX  XXXX XXXX ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

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 2018-03-05 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: PA

Complaint narrative:
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I received on XX/XX/XXXX a repeat bill for a XXXX account that was opened fraudulently, in XXXX, not by me and they were notified to cease in XXXX ... and i notified the collection company to cease and desist, prior to this letter ... about a year ago, I filed a dispute on my credit file and it was removed by Original creditor XXXX, as well as another Collection 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