vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I've been in contact with XXXX XXXX who I've never had insurance with . I received a bill from them back in XX/XX/XXXX saying I owned money and then I contacted them saying this account isn't mine . I file a police report and sent it to XXXX XXXX and also the insurance commission office in XXXX NC . XXXX  stated that this account is fraud and they will no longer contacted me . My ex Daughter in-law ( XXXX  XXXX XXXX ) has stolen my identity with her new boyfriend XXXX  XXXX XXXX and purchased several cars and credit cards in my name . I'm XXXX years old and clearly this is wrong to place a fraud account on my credit report and send it to Credit Collection Services to collect money on a fraud account . My banker at XXXX XXXX just told me that I can't go to my loan closing on my new house due to this fraud account . Please remove ASAP or ill file suit against Credit Collection Services .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/XXXX
XX/XX/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 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Received alert from XXXX Credit monitoring about a new collection added to my report on XX/XX/2019.  Checked report, there was an entry for a collection with Capio Partners llc., for the amount of $XXXX.  I have not been contacted at any time from this company.  I have not received any written communication about this debt.  This debt is over 5  years old and is beyond South Carolina statutes of limitations.  This collection has bounced on and off of my credit reports 3 seperate times, under different company names found to be affilliated with Capio Partners llc.  The previous one, just earliar this year was from Assetcare llc., which I also never received any type of communication or written notice. This debt has been disputed several times, resulting in removal from credit report, just to pop up again later.  I believe the company to be using debt "parking" techniques in order to attempt to collect  this old debt, and to be monitoring my credit scores to try to attempt to collect over and over again.  I am in the process of rebuilding my credit, and my credit scores have increased significantly in the span of just the past 2 months, that is why I believe they are monitoring my scores in order to try to continue to collect on this repeated bought and sold debt, for this is the 2nd time this has occured.  The last time when it was reported under Assetcare llc.  was also at a time I had my credit scores increase in a short period of time.  Coincidence, I think not.  This has to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. (copied from the affidavit attached)******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have this company listed on my credit report and I have no clue nor idea what this company even does.  I have been disputing it with XXXX and they are returning saying valid.  I have been asking for my wet signature or documents that makes me the owner of this unknown account.  I was a victim of identity theft, and I assume this is one of the accounts?This is damaging my creditworthiness and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company Pentagon Federal Credit Union is reporting to the bureaus accounts I know nothing about.  I have been trying to have this information deleted because it was in fact of part of identity theft.  I have never owned nor had any accounts with the mentioned company.  Listed on my bureau as Pentagon act XXXX and the other has no account number at all.  This is and has been damaging my creditworthiness.

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 2019-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed all non account holding inquiries with Equifax.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Equifax violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AES/PHEAA
State: OH

Complaint narrative:
While I was in near XXXX, Minnesota on Tuesday XX/XX/2019, I was awoken by a call from American Education Services at XXXX XXXX local time.I contacted the company via the same number they called from, XXXX and asked to speak to them regarding the matter. I was informed they had no record of a call at this time but had one from later in the morning, closer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As I write this complaint I am so angry that I can hardly stand it. I have just spent one whole afternoon trying to get a temporary unfreeze on my credit. XXXX and XXXX were very easy. Experian is almost impossible. I tried multiple times to go through the process from my phone. At the end each time I was told it could not be completed. The same thing happened with multiple attempts on their website. It was impossible to speak with a human. I had to gather paper documents and then scan and email them. I can only hope someone actually does what I asked. After reviewing online forums for other complaints about Experian I am not encouraged - they are universally despised.I have had this problem with them before. This company controls our lives and acts as if it doesn't care whether it damages us or not. It is my understanding that you regulate them. I ask that someone take strong measures to force them to treat their CAPTIVE "customers" (actually, we are just merchandise that they sell) fairly and with respect. We  did not hire them, cannot fire them, and cannot escape from them. You are the only voice they answer to. PLEASE use your authority to bring them into line.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 non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.

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 2019-08-18 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: PA

Complaint narrative:
Capital One change my billing date with a last minute notice. I call them to ask why my billing date was just change at a last minute. I talk to some one at Capital One and discuss I wanted my date to stay at and on the XXXX  of the month. I was on the phone for 45 minutes back and forth been transferred to talk to some one higher up. I was told that the XXXX of the month to the XXXX  of the month. I called back to ask where is the letter that I was told that would be mailed out. Got the run around on XX/XX/2019 more run around was told no such call I did not call. Capital One transferred me to 3 other people like a cat and mouse game. I called back Capital One Bank Rep was very rude talking all crazy. Capital One Bank seems to have issues one rep telling me her date change and all that has nothing to do with me and is not professional in any way or has nothing to do with my issue is and the date that a rep said was going to be on the XXXX XXXX I have XXXX  accounts and was stated would be adjusted to the XXXX of the month. Call back on XX/XX/XXXX9 and told now it 's going to take 3 months to adjust but Capital one just change it at last minute. One excuse after another 3 months now. Capital One Bank seems to be having financial issues with there credit card clients paying on time so now it appears there just trying to change things for there benefit and give customers the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I was sued by Midland Funding LLC for a debt I did not owed and on XX/XX/XXXX the lawsuit was dismissed . I expected a that Midland would stop reporting it to the Credits. Bureau what did not happen. XX/XX/XXXX I send a correspondence asking to do so but at my surprise on today date Midland continues to report this alleged debt to the credits bureau By keeping reporting this alleged debt Midland Funding LLC has ported prejudice to me So I’m coming to you to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On sunday XX/XX/XXXX I contacted a seller on a XXXX   group who would sell me items for a discused amount of XXXX bucks due to paypal fees it would come to XXXX sense then after sending him a confirmation that the money been sent he asked me to send him XXXX dollars to another paypal account when i went to sent it to the orginal one i kept getting error messages. Also he instructed me to list it under friends and family so he could have acess to the money faster. I contacted customers service they said they get back to me in 12 days but also sent the email adresses involved in the disputed transcation to paypal scam alert email address within an hour they had contacted me back saying th accounts were part of a phishing scam but when i spoke to customers servics they said no such emails were exhanged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohl’s continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  is reporting negative information in my credit file. I’ve requested validation bearing my signature multiple times and they have failed to provide this information.In addition I’ve received notifications from the credit bureaus and XXXX XXXX stating that the account has been removed from my credit file. As of today the account is still reporting negatively. I am asking for this account to be removed immediately. I’ve attached proof showing the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.

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 2019-08-18 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: NJ

Complaint narrative:
i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.

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 2019-08-18 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I had an open account with XXXX  XXXX of $XXXX. This was paid on XX/XX/2019 or close to that date. Online services,inc has this account and once it was paid, they have refused to update the account or delete it. I’ve disputed it multiply times, included the paperwork showing that it’s an XX/XX/XXXX account balance, but Online Services, Inc, refuses to acknowledge the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX,oh XXXX XXXX XXXX XXXX XXXXohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: PA

Complaint narrative:
Change of billing date at last minute by Capital One Bank and then called to get another date in which I was told it would be the XXXX call back on XX/XX/XXXX on XX/XX/XXXX 2019 got the run around and one story after another. Was told over a month ago a letter was been mailed out for the XXXX XXXX  of the month.XX/XX/2019 now capital one acts if there was never no call. I have phone records where I been on the phone for 45 minutes and been on the phone several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.

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 2019-08-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: NJ

Complaint narrative:
this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.

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 2019-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2019 my mortgage was transferred from XXXX to LoanCare. Immediately LoanCare issued a statement that I owed a back amount of $XXXX plus the current due amount of  $XXXX for a total of $XXXX due as first payment.
 The back amount is in error as all payments where current with XXXX. I have statements showing this.
 I switched my auto payments over so the first payment due to LoanCare would be sent to them on XX/XX/XXXX and on the same date for following months.
 For the following 3 months LoanCare did not credit my account with payments even though they had received them. I have bank statements showing the electronic payments made along with detailed payment transfer information supplied by my bank.
 During this time I tried multiple time to contact their customer support to resolve this with the following the results.
 Phone calls during their established hours result in being hung up on by the auto attendant after entering the loan information.
 Attempts to create an online account to monitor my loan have been denied with a message to contact their customer support which multiple attempts at all number provided end in being hung up on after entering the account information required to get through the auto attendant.
 On XX/XX/2019 I followed their instructions and mailed certified a package of support and letter requesting resolution to their Resolution Center which was signed for on XX/XX/2019. I still have not received a response as of XX/XX/2019 and their has been no correction to the account.
 At this point LoanCare has refused to provide any viable means to work with them on resolution.

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