vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back to back phone calls - I have repeatedly asked them to stop calling me. I receive about 10 calls per day from Kohls Department Store. I do not owe the entire amount in question. They are rude and aggressive, and call from hundreds of different phone numbers. This type of constant harassment should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: MD

Complaint narrative:
I had a two year contract and fullfilled this contract and went to a new company after it was up.I payed my cell phone bill for two years like the contract said.

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 2018-02-27 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: IL

Complaint narrative:
On XX/XX/XXXX, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed immediately.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Legacy Credits
State: TX

Complaint narrative:
Company said they will remove all the negative info from my credit report and charged me $ 1000s but did not provide me with any update or improvement in credit score.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
USA Funds did NOT address my issue at all. I asked a statement showing how my tax refund offset was applied to the defaulted loan ( principal and/or interest ) and they failed to provide evidence. The figures on the attached pdf do NOT match the figures on the department of education 's website. I have statements/evidence from the original loan holder showing how much the loan was sold to USA Funds for and this does NOT match with the figures on the attached pdf. USA Funds has failed to provide any evidence and is using false information in the attached pdf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We are a small woman owned business who applied for and received a Spark Business Credit Card from Capital One. We began using the card it in XX/XX/2016. At that time the interest rate on purchases was 17.24 % with a credit limit of {$30000.00}. 

We continued to make payments on a regular basis. Unfortunately, we had company checks stolen from our local mailbox. For many reasons, it would have been too complicated to completely close our account so our bank ( XXXX ) worked with us to rectify the situation. We have a multi-step authorization processes in place before money is released. 

After the theft, although we made timely payments for two consecutive months, they were electronically rejected by Capital One. We were unable to resolve the issue through customer service and eventually had to find a branch and physically go over to bring them a check. We were charged late fees on both occasions. Suddenly our interested rate was raised to a predatory 30.650 %!!!!!! 

We have spent hours on the phone, gone to the branch, and written letters. No one seems to have any authority to do anything or will provide the name of a person who can do something to resolve this. We are desperate. First we were victims of thieves, now we are victims of Capital One. Please try to help us! 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 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: KY

Complaint narrative:
XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in XXXX, Ky. Waited for over a year for it to go to court. XXXX 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XX/XX/XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but Equifax refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
At XX/XX/2017, I switched insurance carriers from XXXX to XXXX on both of my cars. For some reason, XXXX kept charging me even though I was no longer with them. I recently discovered that XXXX XXXX has been reporting the debt as a collection on my credit reports, but there shouldn't be any debt to collect on. I have tried to dispute it to them ( CCS ) informing them that I was no longer insured with XXXX and shouldn't have been charged, but they just verified it as accurate and kept it on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This is a new application for RMA assistance.

The homeowner is underwater, has a high LTV.

The homeowner will be accepting adding the late payments to the rear of the mortgage ( principle forbearance ).

The homeowner is qualified under the DOP Department of Justice guidelines : 1 ) Gross underwater value 2 ) The NPV Result shows a workout solution, see attachment. 

The homeowner has a positive change in her circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium XXXX Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage XXXX Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Lowe 's CC issued through Synchrony Bank. Most of the other credit cards I have used with a promotional purchase will allocate any payment first towards the regular balance before applying any to the promotional balance. In this way, you prevent interest from accruing on your regular daily balance. Well, Synchrony applies any payment first to the promotional balance then to the regular balance. Because of this, interest is accrued even if you have made enough payments to cover purchases made during a billing statement. So whats the purpose of a promotional rate if you end up paying for it first? Multiple times I have argued this with the bank. In the end, they do end up crediting me the interest, but state I have to call them each time payment is made to tell them where to allocate the funds to. I feel this is an unethical trap to accrue fees and a deviation from the norm for other credit card companies.

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 2018-02-27 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX an XXXX XXXX retail credit card was opened using my information. My ex husband thought he'd surprise with the account as it would qualify me for several discounts. 

Upon finding out how this would negatively affect my credit, I immediately closed the account on XX/XX/XXXX. There is no balance owed and the account is in a " Closed '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AL

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. Additionally, I am allowed under Health Insurance Portability Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be reveled with the patients authorization. Therefore, my request is twofold- validation of debt and HIPAA authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: IL

Complaint narrative:
On XX/XX/XXXX, a credit card with XXXX XXXX was opened up using my information. 
My ex-husband opened this account using my information and I never authorized him to do so. 

Upon finding out about the existence of this account, on XX/XX/XXXX, I requested that this account be closed.

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 2018-02-27 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: WI

Complaint narrative:
My issue is with TransUnion. I have been working on my credit and working to repair and update inaccurate information. I went through identity theft in XX/XX/XXXX and divorce in XX/XX/XXXX-XX/XX/XXXX. All credit reporting agencies have kept up to date EXCEPT TransUnion. I have submitted disputes in XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX. The info regarding account that are listed that are not mine, has bee disputed and TransUnion refuses to remove the information. I filled bankruptcy in XX/XX/XXXX, accounts are not listed properly as in bankruptcy, but still being reported as late pay and negative open/collection accounts. I have called repeatedly, with no results. I'm told that an investigation is being done, but that's a lie. I need assistance.

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 2018-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX Bank of America XXXX XXXX XXXX account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX died over two years ago. This account continues to not be closed and paid to the beneficiaries. Numerous calls and emails to XXXX XXXX and others have gone unanswered. This account needs to be closed and paid out to the beneficiaries. I have called seven different numbers I was given today, yet nobody at Bank of America can help me. I please ask for your assistance! 

Thanks so much, XXXX XXXX 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been paying {$24.00} for Experian 's credit works product. I decided not to renew for month of XX/XX/2017. 
Now I can not log into my membership portal to retrieve past credit reports from 2017 which i have paid for. 
I called Experian 's membership phone number which always has over an hour wait. ALWAYS has over an hour wait regardless of what day or time I call. 
The representative informed me that I can access the portal to view my reports and Information I have paid for my converting my membership to a free membership. She said there is a link at bottom of page. 
Problem is, you must be able to sign on first, So you see whats going on. 

When I first signed up for Experian 's credit works, there is nothing in the contract which informs me that I will not have access to my paid products once I cancel. 

Experian has it set up where you must pay first before being able to log in. In essence Experian confiscates the credit reports I have paid for to force me to continually paying. Sounds like a serious issue here. 
Experian will likely try to claim that if I call the membership support number, they can provide me with a way to re-establish the free service or a way to access the portal. However, that is NOT reasonable for anyone if they continually have OVER A 1 HOUR wait. They don't even offer a call back option.

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