vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I sent this letter with payment to Capital One. 

I have been with you for over 20 years and will be cancelling my credit card due to fraud on your part. I called Capital One many times to resolve this concern to no avail. I have also called the renters insurance company who states two payment have been sent in to Capital One on this matter per the transaction in question on XX/XX/2019. 
I contacted renters insurance on XXXX XXXX, 2019 for insurance and called them on XX/XX/2019 to cancel this insurance as my unit was not available as promised. I spoke to XXXX on XX/XX/2019 with the renter insurance and submitted this request online via email from their website as well. 
On my credit card statement for XXXX there is a transaction recharge for {$290.00}. I spoke to XXXX on XXXX XXXX, 2019 who confirmed with # XXXX that this was resolved. I am being harassed continuously for funds not owed by me. I have been a long standing customer and my time is money which you are taking a lot of at this issue to the point I feel retribution of sort should be refunded to me on this matter. 
There should not be two or three payments to Capital One for one transaction. This is unwarranted. 
XX/XX/XXXX 2019- XXXX XXXX XXXX XXXX {$290.00} ( company returned payment ) XXXX XXXX, 2019 - PURCHASE ADJUSTMENT Insurance ... XXXX - {$290.00} ( charge reversed ) XXXX XXXX, 2019 XXXX XXXX XXXX XXXX - {$290.00} ( charge ) No need for me to make an additional payment for something I never received a service nor goods to pay for ... 

Allowing he credit card institution two payments for nothing. Stealing from a consumer is unethical and will be reported to the appropriate officials. I will not hesitate to pursue legal claims sueing on this discrepancy due to this unreasonable payment you are demanding. 
Per supervisor : XXXX # XXXX My statement for XXXX XXXX, 2019 is accurate. 
Not with the charge of {$290.00} for the XXXX XXXX, 2019 rebill charge. Past charge reversals and payments reimbursements have never been handle this way previously. I dont owe this money and will not pay for something I never received and that you were paid for already. 

I spoke to three other customer service representatives who agreed with me and then after speaking with another department stated that I would need to pay this balance. This makes no sense. 

I was forced to pay an additional {$290.00} with no service or product provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
XXXX XXXX transferred to Loancare. My XXXX grace period terms have not changed. 

Loancare trying to charge late fee. 

Sent to Loancare below.

Payment/Statement Inquiry, Remove the {$10.00} late fee. See XXXX Transfer Document. Terms of my agreement, due dates, grace period have not changed. I have until the XXXX of every month to make payment. I did not inherit a new agreement with Loancare when transfer took place.

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 2019-11-15 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: SD

Complaint narrative:
On XXXX XXXX, 2019, I disputed for the third time an account named XXXX   with Experian. This account should have never been on my report in the first place, since I was never given notice of this debt and did not know of its existence until my credit monitoring service noticed a delinquent account. Upon verifying the legitimacy of this account, despite never receiving notice, I promptly paid it in full ( paid XX/XX/2019 ). After disputing it three times, Experian still had the balance only paid partially ( {$240.00} as of XXXX 2019 ), and still has a past due balance of {$56.00} showing in XXXX and XX/XX/2019, despite being provided with the receipt showing the full {$310.00} paid in XXXX 2019. 

The original creditor admitted sending a notice letter to an address they knew I no longer resided. They had knowledge of my new address ( to which I had moved more than a year prior to the supposed notice letter they sent ) and still failed to send notice to the new 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 explanation
Consumer complaint received 2019-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, We have been trying in good faith to resolve our status of our debt with The Bank of America. We dont believe the are they are dealing with us in good faith. The unpaid balance is {$10000.00}. A judgement was entered on XX/XX/17 yet it is still being reported to the Credit Agencies as a CHARGE OFF/COLLECTION. We are currently honoring a payment arrangement/plan with the Court Officer, so we are fully willing to pay the debt. Our attorney has advised us that if the account is now a judgement it should fall off the credit reports. No one will assist us in making this error correct and as a result we are unable to qualify to a much needed mortgage. PLEASE HELP US. 

I am attaching all relevant documentation. 

Many thanks. 

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My complaint is against the Experian credit reporting agency. I tried to access my free annual credit report and they refused to give it to me, instead requiring me to provide a written request with documentation. When I provided my driver 's license as part of my ID, I blacked out my photograph and my driver 's license number because I am not required by federal consumer law to provide these items for a copy of my credit report. They rejected my request and said to resubmit my driver 's license. 

I tried to access my Experian file online but they demanded my phone number. I am not required by federal consumer law to provide my phone number for a copy of my credit report. I do not want my phone number on my credit report. 

I tried to call Experian but could not get through to anyone, the number was a pre-recorded message that only addressed credit fraud. 

I want the annual credit report I am entitled to by federal law without being harassed by this company for information they are not entitled to.

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 2019-11-15 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: AES/PHEAA
State: VA

Complaint narrative:
FedLoan Servicing is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because onXX/XX/2019 I was granted forbearance by FedLoan Servicing that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX and XXXX detailing this issue. XXXX completed their investigation and it seems that FedLoan Servicing is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by FedLoan Servicing that states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: NV

Complaint narrative:
On XX/XX/XXXX signed up for a 30-day trial of XXXX  ( grocery delivery service ) Made an order that was completely a mess - called XXXX company to cancel service that same day when mistakes where made with the first and only attempt to use their delivery service. 

On XX/XX/XXXX noticed a charge was made to my Capital One card - contacted both Capital One and XXXX to disupute the charges - spent over 90 mins on the phone with Capital One representative who added a representative on the phone from XXXX to our conversation. XXXX - agreed that the account was closed and Capital One assured me that the charges in dispute would be refunded. 

One year later - XX/XX/XXXX once again charges appeared on my card in the amount of {$99.00}. I filed fraud complain online with Capital One as this charge was in no way approved by me - to my knowledge this account had been closed 1 year ago. 

On XX/XX/XXXX noticed charges for {$99.00} had been applied once again to my card from XXXX. Called Capital One by phone on XX/XX/XXXX to dispute the charges once again - senior dispute representative of Capital One explained to me that I would need to supply an email from Instacart from initial ( one year ago ) dispute indicating account was closed. I explained that I dont believe they ever sent me an email as we completed this over the phone - phone conversations are recorded as the Capital One representative had assured me the day we made the call w/all parties on the phone and XXXX had agreed - on the phone that the account was closed. 

I am therefore once again disputing the charges in the amount of {$99.00} for the XXXX XXXX charges to my Capital One card for a service that I did NOT agree too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: NY

Complaint narrative:
I have received repeated calls from XXXX Ext. XXXX regarding some sort of collection debt for my wife. I informed them I not aware of any outstanding debt and the name on file although similar is not my legal name. The person now is contacting my job asking my office reception for personal information regarding my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Continuous disregard of applying my payments correctly..last complaint they applied both payments to principle only, I called and eventually they corrected their mistake and I paid a late fee due to their mistake. XXXX XXXX mortgage has been paid, one payment applied to principle and the other floating in unapplied funds. {$670.00} pd on XX/XX/XXXX and {$670.00} pd on XX/XX/XXXX both payments cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the datesXX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: MARINER FINANCE, LLC
State: KY

Complaint narrative:
The people who operate mariner Finance company are putting additional funds onto an account that has been placed with an attorney and the attorney has filed a lawsuit against myself and my girlfriend and they closed the account.. 2 1 months later, they are still sending bad reports to XXXX and additional fees are being added, and they have been informed that the account is part of a bankruptcy proceeding by my girlfriend for the entire amount of money owed, but, they are continuing to harass me by sending you reports that cause my credit score to fall as of XX/XX/2019, they have no reason to do so other than for the personal persecution of myself and my credit. I want this to stop and feel that my credit score should be reevaluated and adjusted to get back the points that have been taken by their actions.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: KEYCORP
State: OR

Complaint narrative:
I am attempting to improve my credit score so that I can refinance my private student loan to lower my monthly payments. I also am in default of a private loan with that same loan servicer ( XXXX XXXX XXXX holds my student loans, XXXX XXXX holds my defaulted private, non-student loan ). I was previously working with XXXX XXXX XXXX to manage my non-student loan debt and went into default on my private loan with XXXX XXXX as part of that program. However, I elected to step away from XXXX XXXX XXXX and resolve my collections debt on my own. I continue to get negative marks on my XXXX XXXX private loan for missed payments instead of that debt being sold off to a collections company. I believe that XXXX XXXX is intentionally doing this in order to keep my credit score low and prevent me from refinancing and going to a different loan servicer for my private student loans. See CFBP complaint with my previous dealings with this loan servicer : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX added a debt to my credit report that was not mine. They also sent it to Crain and Weiner. I had to file a complaint against them for harassment. They have stop calling me but put it back on my credit report. I called XXXX XXXX and they are saying that the collection added it back on. I feel like this is just more harassment because I filed a complaint against them. I want this taken off my credit report completely. 
This form of retaliation has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CT

Complaint narrative:
Simple Bank failed to issue {$250.00} account opening bonus for depositing {$10000.00} upon enrollment. Simple also failed to investigate and credit account for unauthorized charges from XXXX for {$190.00}. Simple Bank required significant contact with merchant only to deny claim not once but twice. I did not sign receipt agreeing to pay and merchant simply wrote N/A where signature required. Contacted merchant several times and merchant refused to answer phone. See attached call log. Further, Simple Bank may be affiliated with the XXXX XXXX  ( XXXX XXXX  ) XXXX in Utah, Arizona, and Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XX/XX/XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX , OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.

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 2019-11-15 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 DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.

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 2019-11-15 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 DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.

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 2019-11-15 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: Great American Finance Co
State: IL

Complaint narrative:
I am not the kind of person who likes to complain but I felt compelled because of the situation that I find myself in. 
I have paid this account and disputed it but its still showing a balance on my report. This should be showing XXXX balance since I already settled this account. 

I would sincerely appreciate if they would submit a request to update this account so that it is reporting accurately with a XXXX balance and nothing past due or to completely remove it from my credit history.

Company response to consumer: Closed with explanation