vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DE

Complaint narrative:
Summary of Complaint with Capital One Credit Card Company : On XX/XX/2021, my wifes Capital One credit card number was stolen and used to purchase something from XXXX XXXX  XXXX XXXX XXXX  for the amount of {$95.00}. On XXXX XXXX my wife was still in the XXXX  after XXXX XXXXs and too physically and XXXX XXXX  to go online and make such a purchase. She XXXX XXXX XXXX days later on XX/XX/XXXX. At that time, my wifes credit card had a credit of {$610.00}. Capital One charged the account for the {$95.00} leaving a balance of {$520.00}. I attempted to dispute the charge since it was done illegally with a stolen credit card number. Capital One refused to accept a dispute from me because my name was not on the card. They informed me they would only accept a dispute from the card holder who at this time is deceased. I called Capital One three times to discuss this matter but they kept repeating that only my wife could file a dispute. I informed Capital One that I have a legal document from the State of Delaware when my wifes will was probated that states : That I understand that I will be submitting this affidavit to enable any person owing any money, having custody of any property or acting as a register or transfer agent of any evidence of interest, indebtedness, property or right of the decedent to transfer said money, property or right, or have such evidence transferred to me for the purpose of making distribution in accordance with the decedents will. Capital One would not accept this document. It is noteworthy to mention that other banks did accept this document where my wife had accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, in addition to the Internal Revenue Service. 
Capital One paid {$95.00} to XXXX which collects money for other companies. XXXX then would send the order and payment to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX by email and they would not provide me with any information but led me to believe they followed their procedure and paid XXXX XXXX XXXX  XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and spoke to the owner, XXXX XXXX, who insisted she never received the order and was never paid anything by XXXX. This is further proof that the purchase was done with a stolen credit card number. 
I believe I have a legal right to the original credit amount in my wifes Capital One card account of {$610.00}. The dispute of {$95.00} is an illegal purchase that Capital One needs to accept and deal with as they do with other illegal charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: CT

Complaint narrative:
I have disputed a charge to my credit card for a rental of equipment and the company has refused to look into the matter as I requested. 
I now get constant call from a collection attorney firm called Hillcrest Davidson & Associates - XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I've asked them to look into the matter, but all I get is threats of legal action and threats of negative action to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
Equifax, XXXX  and XXXX  has continuously and falsely verified this alleged account.XXXX, equifax  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. ( Credit collection ) Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: DISCOVER BANK
State: FL

Complaint narrative:
I have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. 
I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
XXXX, Experian, and XXXX  has continuously and falsely verified this alleged account. Experian, XXXX  and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-05-27 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to Rushmore. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax. 

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to Rushmore. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve.

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that Rushmore would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by Rushmore. 

They have reported me late on my XXXX mortgage and I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
Contacted Loan Depot in XX/XX/XXXX and started the refi process. The process was long and communications were poor on their end. 
Just closed XX/XX/XXXX we were to get cash out of XXXX but instead of giving us the money they paid off the mortgage on another property we owned. This action was not in the disclosure and I asked them to fix it and they said it was too late. The Supervisor I was dealing with is XXXX XXXX XXXX. Not only was it not disclosed on the form the pages were barrier deep inside the paperwork and skipped over by the agent that came to the house. When we asked the agent when will we get the money he said after the waiting period we would receive the funds by check. After waiting a week and no check I called to find out where the money is they said the previous mortgage lender required it to be paid. They said you must of had a second mortgage and I said NO I DONT. Where is my money? WE will check into it and haven't heard a word since. 

My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have multiple hard inquiries on my report that I did not authorize

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have multiple hard inquiries on my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX credit report is violating consumer protection law my score keep going down foe now reason this is madness Transunion is doing the same thing violating consumer protection law

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 2021-05-27 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:
Experian credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX  credit report is violating consumer protection law my score keep going down foe now reason this is madness XXXX  is doing the same thing violating consumer protection law

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 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
This is the letter i sent to them about what they are trying to do and how they have fraudulently attached this to my credit report. 

XX/XX/2021 Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX Re : Your mailed statement to me about an Alleged Debt you are collecting on behalf of XXXX XXXX for {$1400.00} : You are now listed as a collection account on my credit report as some entity who claims I owe you money. I have no idea who you are and have never contracted with you or with XXXX XXXX  for ANY services. I have never received a bill from you OR from XXXX XXXX regarding this account because I have also never had an account with XXXX. I need you to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with XXXX including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 
Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 
By copy of this letter, I am notifying XXXX, XXXX XXXX and XXXX that I am filing a formal dispute of this account. I am also notifying the CFPB and the Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the law by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. You may e-mail OR mail your response to me at -- -cc : XXXX , XXXX XXXX , XXXXXXXX and CFPB, Attorney General Consumer Protection Division, XXXX , New Jersey

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/21 contacted Capital One and provided information re : estate settlement XX/XX/21 resubmitted, no response received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX  has continuously and falsely verified this alleged account. XXXX, equifax and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back between XXXX and XX/XX/XXXX time period I undercame financial hardships. Every month i called capitol one and let them know about it. I can not tell you the amount of time i spent on the phone with them. I spoke to supervisors and they told me to make bucket payments so i did. I also explained to them that I get paid on the XXXX of the month so it would be easier for me to make the payments on time. They never helped me with that request either. I made payments each month and i called when i did. i had zero help. so early XXXX, i got back on my feet and paid the card off in full. They restricted my account which has a XXXX credit limit and after several calls they will not lift that nor take away the 19 complaints / remarks they have on my credit report. 

They knew who i was because i was told we are so happy you are back on your feet. When I asked about removing the remarks they told me no and refused to help me. 

It has then given me a poor credit rating and high interest rates an denials on my credit. 
I am going for a house in XXXX and i deserve my house! i pay all my bills on time. I need help to have all these remarks off my credit and my account reinstated. 

I also wrote a letter to all their addresses and received ZERO response. I still get statements for them against this account. I deserve what is mine ; my freedom. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I refinanced my mortgage, and PHH Mortgage purchased the servicing agreement, in XX/XX/XXXX. My previous service company originally indicated that they would pay the 1st installment of my XXXX taxes, however, when the payment came due, they failed to do so. I contacted my previous service company but also noticed that the money for my taxes had been escrowed with PHH Mortgage Services. At the beginning of XXXX, I contacted PHH mortgage and spoke to someone in their customer service department. I didnt her her name, however, she reassured me that my taxes would be paid, and that PHH would be responsible for any late fees. On XX/XX/XXXX, when my taxes still had not been paid, I telephone PHH Mortgage again and this time was requested to email a copy of my unpaid tax bill to customer care, which I did. 

By midXXXX, my taxes still had not been paid so I telephoned PHH Mortgage again, to find out when my taxes would be paid, only to be told that I should email customer care and the tax department, which I did. On XX/XX/XXXX, my taxes were showing as delinquent on the XXXX County Treasures website and I was livid. I telephoned PHH Mortgage again and was forwarded to an escalator named XXXX, who reassured me that this matter would be rectified immediately. Please see enclosed, a copy of my tax bill for the 1st installment of XXXX. To this day, my taxes remain unpaid and show as being delinquent. 

I am an Illinois XXXX XXXX XXXX. I cant have my taxes being shown as delinquent. The money is sitting in my escrow account. Each time I call PHH Mortgage they say the tax department is investigating the matter. What do they possibly have to investigate that is taking so long? 

Your assistance in this matter is greatly appreciated. 

Kindly, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank accusing me of owning {$560.00} which I told them specifically thats not my account the social security numbers on the account is different from mine ssn

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