vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One Personal And Business Credit Cards where closed without any further explanation. I have had both of these cards for over two years, I have a superior credit history and never have defaulted on any of my credit cards. 

CapitalOne Spark Business Credit Card CapitalOne Platinum Credit Card I called capital one to discuss the issue, No One at Capital one or their supervisors could explain the true reason or the cause of closing both of my accounts. I have called on many occasions to speak to Capital One, I am being discriminated and undervalued due to my ethnicity and I have asked Capital One and the Superviosr said to me in your area many people like you are defaulting and causing fraud After calling Capital One to ask for my account closure, every time I called Capital One employees and their supervisors gave me rubber stamped answers. Hence, that I would receive a letter and it will explain the closure. However, I have never received any correspondence from Capital One or their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive  blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.

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 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
A false collection was listed on my credit report for XXXX XXXX, however I have never had any business with this company. I had made four attempts to contact the collection agency and I was hung up on once, and then told to email my dispute and that they would get back to me, however no one has responded. The collector is Pro Collect and the email address I was given is XXXX. 

In addition, I have never received anything via mail or otherwise saying that this account existed and that there were attempts to collect. This is false.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Closed XXXX XXXX Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
OCWEN LOAN SERVICING and XXXX XXXX XXXX are foreclosing on my property 1. the case is still active in the appeals court awaiting response 2. there is a hearing on XX/XX/2019 in state court and XXXX is foreclosing on XX/XX/XXXX 3. OCWEN BECOMES PHH in XX/XX/2019 While WE WERE IN litigation 4. statements of offer to pay are coming from PHH  5. PHH would not tell me who they are THEY ONLY WANT TO CONSPIRE TO TAKE MY PROPERTY. 
4. PHH/OCWEN would not respond to any offer of settlement.

5. PHH/OCWEN would not offer any modification or any type of settlement so me and my family can stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: DC

Complaint narrative:
US Bank has lied about of interest i was overcharged and am including proof. 
I received three notfications of over paid interest totaling close to XXXX yet US Bank has not sent a check for any amounts despite telling me on the phone that they would. 
This is not acceptable. They cant steal and get away with it because they are a bank. 
I want my money refunded via check to my address.

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 2019-10-17 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  UN Reported : XX/XX/2019 - {$10000.00} Closed CHILD SUPPORT Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-10-17 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Reported : XX/XX/2019-  {$10000.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports,  blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
ON XX/XX/2019 I SENT BY EMAIL TO XXXX THE DOCUMENTATION REQUESTED TO MODIFY THE MORTGAGE. 

FOR FOURTH TIME NOW, THEY ARE SAYING THAT THE INTERNET PROVIDER DOCUMENTATION IS NOT GOOD AND I NEED TO CHANGE BANK STATEMENTS TO THE PHYSICAL ADDRESS. ALL DOCUMENTS MATCH WITH THE ELECTRIC, AND INTERNET BILL WHICH HAS THE PHYSICAL AND MAILING ADDRESS. 

THIS IS HAPPENING SINCE XX/XX/2019. I REPORTED THIS SITUATION ALREADY. 

THIS IS THE SECOND TIME. PLEASE XXXXNTERVENE./ LOOKS THAT THEY DONT WANT TO FINISH OR GRANT THE MODIFICATION THEY ARE REQUESTING AGAIN 2 UPDATED BANK STATEMENTS BECAUSE THE OTHER ONES ARE MORE THAN 90 DAYS OLD. THIS IS A JOKE FROM THEM. 

PLEASE SEND A RESPONDE TO XXXX XXXX XXXX XXXX FL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I worked with XXXX XXXX at CIT ( www.cit.clm ) to get a mortgage ( loan ID XXXX ). We were not able to close. He told me that he is going to refund my application fee of {$500.00} ( I have an email from him showing his promise ). However, he didn't. I put a stop on the credit card payment. However, CIT is disputing this and my credit card company is not responding to me. They have already taken the money out of my account. Kindly help. 

The company is called OneWest Bank, a division of CIT Bank, N.A. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Harassing phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful  relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX reported a balance of XXXX to Experian for a auto loan on my Experian credit report and never contacted me and the debt is not verified.

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 2019-10-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
My wife bought and car from XXXX XXXX XXXX back in XX/XX/2016. The car was lost due to flooding three years later ; the insurance company totaled the car. When my wife called to file a gap claim, she was told there was no gap policy on record.she then call the lender, Nissan motors, and they gave her a gap policy number, which was invalid. My wife and I had to go to the dealership to try to resolve the issue of the lender telling us we have gap insurance on the car and the Gap company telling us they have nothing on file. I was confused cause I know we sign the paper that says we purchase and accept Gap insurance for the car. After 4 hours waiting outside, the personal from Nissan said they found out the contract. It was two different contracts for this deal. The first was a sign and had Gap coverage on the car, along with the paperwork that was signed that said we accept and purchase the gap for the car. The same paperwork the lender had, which was how they produce the policy number that they provide us. So for some reason unknown to us, the first contract which was already signed was voided. The salesman told us they made a mistake, which is understandable. Not knowing they took the gap insurance off the new contract without our approval or having signed a new paper stating that will decline gap insurance. We were under the impression that the car had gap coverage because we sign the paper stating and acknowledging that, yes, we want the gap insurance on the vehicle. The salesman removed the gap to get the deal through. We were never told that the gap coverage had been excluded from the new contract. I always heard about the horror stories of car dealerships and their predator like tactics. I just never thought I would be a victim of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: Ponca Finance Co. Inc
State: OK

Complaint narrative:
I'm showing a judgement on my credit report with this company with a back balance. This has been taken care of and paid in full but is still showing on my report and has been hurting my credit for the last couple years. I have lenders see that " unpaid judement '', that has been paid in full and settled years ago, turn me down. Its embarrassing. I have talked with the company about taking it off of my report and they claim they do not have the option to do so. HELP!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I am a cosignor for my daughters loan. I cosigned back in XXXX for two loans with American Education Services. I was told that if she paid the loans back for 2 years with loan late payments I could be taken off the loans. I call back in XXXX to get my name removed and they gave me the run around and I was told some paperwork would be sent to me. Then I call back in XX/XX/XXXX to ask to be removed off the loans and I was told that I could not be removed under any circumstances. I then asked for a copy of the note I signed and they sent me some bogus note and a copy of the faxed signature page. I am requesting to remove off the loans. I would have never agreed to cosign if there was no process of me being removed other than paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Gas was purchased from Exxon station at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX using a MasterCard at the pump. On XX/XX/XXXX two charges were posted on the credit card for {$100.00} each. Based on credit card charge description the charges came from Exxon station at XXXX XXXX XXXX XXXX XXXX, TX XXXX. Unfortunately did not get a receipt at the pump but charge should have been around {$25.00} for fill up of a 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