vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
First Advantage supplied my potential employer with my background check. The dates searched on my background check were from XX/XX/XXXX-XX/XX/XXXX, however a charge from XX/XX/XXXX showed up. I live in Colorado where the law limits these background checks to 7 years. The charge is from 8+ years ago. I disputed the charge, was told the investigation could take up to 28 days, and was never notified of the results from the investigation. A couple of days later I got an email from the employer stating that First Advantage researched the error and decided that the records reported were accurate ; no change to my report occurred. When I contacted First Advantage to get an explanation, I was told that XXXX requires them to provide ALL information they find, regardless of when it occurred. I explained that the state of Colorado has a 7 year limit and was told that it doesn't matter, First Advantage has to include ALL info no matter what. I was denied a job over a XXXX XXXX ( on a scale of 1 being the worst to 5 being the least severe ) from back when I was in XXXX XXXX  because I didn't self report on a charge that the employer shouldn't have even seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a Capitol One Quicksilver card online on XX/XX/XXXX. I was immediately approved online with a credit limit of {$7000.00}. My card arrived about one week later at my home address. When I tried to activate this card, I was sent to the Fraud Department. I was told that I would have to submit a copy of my drivers license front and back, a copy of my social security card, front and back, and a current bill at my present address. I scanned these and sent them to the online secure number. I was then told scanned copies were not acceptable, so I took pictures of these documents requested and sent them to the secured email address. I called to make sure they were received and was told they were and were acceptable. I have called in numerous times to check on why I can not activate my new card and each time I have to give the last four numbers of my social security card and the last four digits of my credit card. They recognize me by the last four digits, but then the Fraud dept. does not accept these same last four digits as  being legitimate. My inquiry always goes to the Fraud dept. and I am being told that my social security card is not acceptable. It is the same one I received in XX/XX/XXXX and have never been questioned about it being authentic. Capitol One tells me I have to apply for a new social security card before they will accept it and activate my account. I resent being sent to the Fraud Department. The Social Security office told me that my card should be acceptable for my lifetime. I also resent being told that all my documents are in order and then other times they are not. I received a letter telling me to call so that we could resolve this matter quickly. That has not happened and I hope you can help me resolve this. I can not understand how I was approved and sent a new card, only to be denied activation of the card because they will not accept my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
My daughter had XXXX  in spring of XX/XX/2017. We received a 25 % discount for paying the bill in full the morning of her XXXX. The lady informed us if we received a bill after XXXX, to call them and they would take care of it because we paid in full. We did receive a bill of {$270.00} and we called the business office just as suggested. The lady informed us that she would take care of it immediately. Fast forward 30 days, we receive the same bill. Again, we called and talked to a manager this time. They also agreed to take care of it because they noticed we paid in full. We thought all was well until I pulled my credit report since we are applying for a new mortgage. This was a negative debt in collections. First, we never received a bill stating it was in collections. This is keeping us from getting a desired rate on our mortgage due to their clerical error. We can provide a documents showing we paid her amount in full the day of 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 2019-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting a one time 30 day courtesy foreclosure postponement. 

I've never been reviewed or considered for payment assistance options in the past. I've faxed in a complete payment assistance application packet to Wells Fargo directly and the foreclosure office XXXX XXXX XXXX. 

I was unable to submit this application through the Wells Fargo online banking portal, " loan tracker '' as this feature was not available online as stated it was through the Wells Fargo online website. 

I am requesting a foreclosure postponement to be granted by either Wells Fargo or the foreclosure office XXXX XXXX XXXX, for the reason that I would like to retain my property and I was not aware a possible " unemployment forbearance plan '' can be offered or considered, due to my unemployed hardship. 

I would like to retain the property through a payment assistance option as I am currently seeking employment in an effort to apply for a loan modification once employment is gained. In the event I am unable to to reinstate the account upon gained employment, I would like to attempt a loan modification to help with the past due balance. 

I have faxed my completed application to Wells Fargo and the foreclosure office 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 2019-09-02 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP.
State: CA

Complaint narrative:
Hi, I received a hard inquiry that was made by Factual Data on XX/XX/XXXX and I did not inquire on this. Can you please help. This inquiry could stay on my report until XX/XX/XXXX and I would like to know why it was used and if it could be cleared. 

Institution Information : Factual Data Address : XXXX XXXX  XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I had financial trouble and defaulted on my credit card with Capital one bank. Capital One has made it almost impossible to pay the debt off with them through a constant re transfer on the debt to different companies with no notification to me. Every time I set up a payment plan with the current company after a matter of months the debt is transfer to another company. I have made written and even legal agreement with multiple companies and now I don't even have a name of the current company responsible for the debt. It has been six months since the debt was transferred. The debt was originally with XXXX XXXX, then transferred to XXXX XXXX who I made legal agreement to pay {$65.00} a month to. Then in XXXX of XXXX it was transferred to an unnamed company. I had to email XXXX XXXX to find this information out as I was locked out of making payments. Since XXXX of XXXX until now XX/XX/XXXX I have received no communication from this company about the debt in question and have not been informed on who or how to pay. I don't even know the current amount owed. As you will see in the attached documents I made payments as agreed. and I was the one to contact XXXX XXXX about payment. You will also be able to see that in their response their is simply a number listed. No company name. No point of Contact. No address. No account to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-02 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
We applied to PNC Bank, NA to refinance our current mortgage on XX/XX/2019 at a promised low-interest rate compared to our current mortgage. We heard from the PNC Bank subsequent to the home appraisal about the refinance. However, the terms have been changed substantially and we fused the loan to refinance under these terms. Then, we received a revised refinance loan-term, in writing, on XX/XX/2019 with a stipulation of a loan closing date of XX/XX/2019. We promptly signed the documents ( copies attached ) on XX/XX/2019 and sent them to the Bank expecting a closing of the loan on or after XX/XX/2019. However, we never heard from the Bank yet. We have spent hundreds of hours pursuing this loan and most importantly, we did not apply to any other Bank at the same time. However, PNC Bank has not lived up to its written agreement to refinance the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTION SERVICE ( 01 XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has put my account on limitatin for no reason and not letting me withdraw my own money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery reported they ceased all reporting to the credit bureaus but I have verified with XXXX XXXX and XXXX customer services they are still reporting this debt to these credit bureaus and there is NO REQUEST from PRA for removal. They have provided false statements to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I was told of a promotion ( Promotion XXXX ) from Citi in XX/XX/XXXX stating " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX I went to the Citibank Branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There, XXXX XXXX ( XXXX ) assisted me to open a new Citibank account . I opened the account with the explicit intention of benefitting from the promotional offer and complied wit the terms stated by it by depositing {$15000.00} and keeping them in for two months. In the subsequent months I met all the requirements to be awarded the bonus. Unfortunately, I never received the {$400.00} bonus. 

I personally met with branch employees three times in XXXX. The first time, around XXXX, I was told I had to wait 90 days to see the funds credited in my account. Of course, this did not happen. 
In XXXX I went to the Citibank branch at XXXX XXXX XXXX with this concern. I was assisted by one of your partners and was told that they would look into the issue and contact me with a solution. 
In XXXX I met another employee, XXXX XXXX ( XXXX ) who looked into my case and told me they would contact me with a solution. 

Finally I received a communication stating I needed to complete the W-8 tax form. I did this and sent it via both standard mail and email around XX/XX/XXXX. I still have not heard back even though I have asked both XXXX XXXX and XXXX XXXX to update me in this issue.

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 2019-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
CHAPTER XXXX BANKRUPTCY ( USBK COURT NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file. This account does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I spoke with this company numerous of times they all remain unprofessional telling me to go get a criminal report from the police station they never sent me the proof the loan the local polixe told me they dont do those types of reports we have to hire a detective i sent emoneyusa a notorize letter that they claim they didnt get, i told them do they have proof a copy of my state issue id or driver liscence before they issue out a loan they response was you need to make a payment this company is fraud and unprofessional they let somebody take out a loan under my information and calls me and email me constantly to make payments, the bank the loan was issue to was a prepaid account in which they requirements they dont issue loans to prepaid accounts so why will they send a loan and not ask for the person to provide identification proof, and the loan was applied over the internet. Then on the proof of banks account they showing two different accounts one is an outline for one bank and the other is an outline for another bank that they said was used in loan issuing. This is an error and i have try negotiating with them numerous of times and they emails me back been rude and unprofessional. 


To delete this off my credit this account was created in fraud provide proof to me that they have my identical that it was me they told me the proof was the bank well the bank listed on the email is a prepaid account this company fail to even show me some kind of documentation just been communicated with me through email been unprofessional if you look at they website it clearly states that they dont issue loans to prepaid account and in which they say they verify that the bank account was mines well the loan should have been denied when they verity the bank because it was a prepaid account they didnt verify. I have file a dispute and ask that all 3 breaus ask that emoney provide them a copy of my identification card or drivers liscence that they can provide information that they issue a loan to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA. 

In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan. 

Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen.. 
It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX. 

This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma. 

Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ' '' promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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