vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Called Capital One on XX/XX/19 to discuss the credit card limit on the XXXX  and Platinum card accounts. Was told by one rep that he was transferring me to the dept that would manually review my accounts for more credit limit. After being transferred numerous times and placed on hold for over 1 hour, was told that manually reviewing an account is not an option. Called on XX/XX/19 and spoke to an account specialist that refused to begin an investigation process of why one rep said that the account would be manually reviewed and another stated this was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
My father XXXX XXXX had an account with Sun Trust Bank. He passed away on XX/XX/XXXX. I was listed as POD on his account. On XX/XX/XXXX I tried to see how much was in his account online to see if he had money to pay for cremation. Somehow, Suntrust banks ' online system allowed to create a second account in his name with all the money moved to it. I reached out to Ms. XXXX XXXX at the XXXX XXXX XXXX to enquire how to solve this problem. She instructed me to send a certified copy of death certificate and notarized letter to Sun Trust in XXXX XXXX VA. The bank received it on the XXXX of XXXX. I was assigned a client advocate, Mr XXXX XXXX, number XXXX, who is tasked with resolving this. He stated that because it's fraud, I have to come to Maryland ( which is the closet branch of bank ) and deal with it in person. I told him, I live in XXXX, do not own a car and do not have the money or resources to get there. All I am asking for is for someone to help me close my father 's account so I can pay for cremation. It's now XX/XX/XXXX and Sun Trust Bank is still holding my dead father 's money. I need help to get this resolved. PLEASE

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit  reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
Pacific Union Financial sold my mortgage on XX/XX/2019 to XXXX XXXX without notifying me first. I was not aware of this until I called my mortgage company ( Pacific Union Financial ) wondering why my payment was not automatically taken out. I made that phone call on XX/XX/2019 at XXXX XXXX on or abouts. I was informed that my mortgage had been sold effective XX/XX/2019 and that my automatic payment that was scheduled to come out of my bank account on XX/XX/2019 had been canceled. I asked why I had received no notification and I was told that I would be receiving something via mail soon. As of XX/XX/2019, I have received no such information. I did ask about the new company and was given the phone number and name, phone number XXXX. I will now have to reach out to this new company and try to make my monthly mortgage payment through them if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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:
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with navient on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by Navient formerly Sallie Mae. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised Navient escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} XXXX XXXX Navient XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I called the Mastercard account to inquire about my AWARDS and the MASTERCARD operated under SYNCHRONY BANK transferred me to a PAY PAL ( PP ) representative. The PP representative asked for a password for my email. I did not realize that they ( PP ) had opened a second PP account under another email I use. I still have the old PP account, but I gave the wrong password so I asked the PP agent to close the email used for the account they were operating with the MASTERCARD and use the other email but they misconstrued this and closed the PP account linked to the Mastercard. SYNCHRONY bank now tells me that action automatically forfeited all my over {$500.00} in AWARD and now SYNCHRONY tells me sorry there is no recourse! The PP agent never warned me about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
FOR THE LOVE OF XXXX CFPB - WILL YOU PLEASE AUDIT THIS RIDICULOUS " BANK ''!!! 

NOW - I am seeking your help with my XXXX 's card ALSO ( regretfully ) managed by Synchrony Bank. 

I made a payment online on XX/XX/XXXX, FOR MY FULL STATEMENT balance. That amount CLEARED my checking on XX/XX/XXXX. 

Today on XX/XX/XXXX the Synchrony site shows NO PAYMENT MADE, LATE FEE APPLIED!!! 

I have complained to you about this " bank '' regarding IMPROPER and UNFAIR payment processing by this " bank '' as they also manage credit for XXXX 's, XXXX, and XXXX, that I have accounts with.

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 2019-01-09 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have disputed that there was no late payment in XX/XX/2018. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( Experian and XXXX ) 2. XXXX XXXX ( XXXX, Experian and XXXX ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know  nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Hello, I certainly hope you can help me. This problem originally began as a foreclose. We had a mortgage with OCWEN. We tried time after time to modify our loan with no chance of it happening. This was back in XX/XX/2013. They kept losing our paperwork, thus leading to deadlines not being met. We never got to speak to the same person. We were struggling to pay our mortgage and we needed to remortgage it in order to keep our home. Something was always wrong with the documents we sent in or they lost something. They ended up encouraging us to do a short sale and we followed their advice to the letter. In the end, we lost our house to a foreclosure. This was our first house. We moved from XXXX to XXXX  to be with family. A couple of years later we received a couple thousand settlement because they were sued. I am asking for OCWEN to remove their name and account from our credit report. That is it. We can't go back and get our house back. Yes, they should have helped us, they could have helped us, but they did not. They can remove this from our credit reports. It's the least they can do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed that there was no late payment in XX/XX/XXXX. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.

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 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I spoke to someone from Citi bank who was willing to help me until I decided to close my account because of promotion ambiguities. I was told, " Okay, one second. '' Then, I was placed on hold for 25 minutes in an attempt to get me to disconnect my call. 

If I didn't close my account, I would have been assessed $ 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 2019-01-09 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: CA

Complaint narrative:
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.

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 2019-01-09 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: PA

Complaint narrative:
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX  and Transunion ) 2. XXXX XXXX ( XXXX, XXXX and Transunion ) 3. XXXX XXXX XXXX ( XXXX ) I dont know if you guys can help also with these inquiries I know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-09 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: PA

Complaint narrative:
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX and XXXX ) 2. XXXX XXXX ( Equifax, XXXX and XXXX ) 3. XXXX XXXX XXXX ( Equifax ) I dont know if you guys can help also with these inquiries I know nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX has report a {$710.00} debt on my credit report. They did not verify any information that I have asked of them showing a contract where I was obligated to pay this debt. I no longer have service with XXXX and I do not owe any debts to XXXX, they have not provided me with any proof of debt and I disputed this information by mail within the 30 days that I received their letter. I do not owe any debts XXXX XXXX XXXX because I received no services to them and I have no obligations with them to try to collect from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is the second time Capital One has closed my account because as they stated i have past present or pending legal action. I do not have any pending or present legal issues. I do admit i, am a felon and i paid my dues and did my time as well as my supervised release all with no problems. After the first time they did this and i ignored it but i, am rebuilding my life as an honest and upstanding citizen and a XXXX XXXX XXXX. I, am involved in the entertainment business and have worked diligently to improve my credit which i have done and i have other credit cards and none of them have closed me because of my past record. I called them after i found out they closed my account and they just stated i would get a letter which i now have. I feel this is very prejudicial towards me as i know four other felons who have the Capital one credit card and this has not happened to them. 
I, am seeking your assistance to help rectify this injustice. After all do i not have the right to rebuild my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have been paying in the same loans since XX/XX/2011. I noticed the monthly payments are increasing yet the balance has not decreased. I have called several times and asked for options. Even when placed on auto pay. I recieve nagging calls. I have not been given any explanation as to why the balance has not decreased. The agency is not willing to work with me. Paying the loan is causing me not to be abl to meet my basic needs. I feel trapped due to the lack of cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The issue is that Equifax has no record of me. ( I was able to get valid credit reports from all other credit bureau such as XXXX and XXXX. ) In XX/XX/2018, I was trying to apply for mortgage, and my lender told me that someone else showed up on my Equifax credit report. That person has a different name, different SSN and different birthday from me. Therefore the Equifax credit report was clearly wrong and can not be used to apply for mortgage. 

I called Equifax immediately and I was told that they could not locate my record using my SSN therefore its system somehow generated a wrong report instead. I was told to fax my SSN copy and other materials so that they could look into it. 

I sent all the information immediately the day after ( around mid XX/XX/2018 ). After a few days, I called Equifax to check whether they received it. I was told that I needed to wait for 10 business days before they could tell me whether they received it. 

After 10 days, I called again, and was told that they did not receive it and all I could do was to fax everything again. I was really upset but I did fax everything again on the next day ( around beginning XX/XX/2018 ) After 10 days, I called again and was told that they still did not receive it. I validated the fax number and confirmed that I was using the correct one both times. I was told to wait for a month because it would take them a month 's time to check if they receive my documents. 

In the meantime, I called my credit card companies ( XXXX and XXXX ), and both companies confirmed that they have always been sending my credit information to credit bureau including Equifax. This matches the fact that I can get correct credit reports from all other credit bureau. 

I waited a month and received their reply by mail. However, in the mail, I was referred to using the wrong name ( the one showed up incorrectly in my report ). They told me that they could not locate my credit report and asked me to fax everything again. It has been over a month and no progress was made. 

At this point I am really frustrated and do not know what else I can do to fix my credit report in Equifax.

Company response to consumer: Closed with explanation