vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: WI

Complaint narrative:
My Capital One Card was charged various times by XXXX XXXX XXXX, the payments were placed on hold by Capital One then released and not shown in my available balance. My account was closed. Capital claims that too many returned payments was the reason why. I checked my statements and no payments were returned returned. In fact XXXX Bank confirmed that Capital One returned my electronic payments for {$170.00} and {$90.00}. I spoke with XXXX, a capital one rep, today with a Rep from XXXX on the phone. She confirmed that Capital One had my money on hold for the rental but couldn't explain why my balance was so high. The rep with XXXX confirmed that payments that Capital One received payments from me. My balance is reflecting a positive balance and not a negative one. You call there and get unprofessional agents that aren't based in the united states. XXXX stole money from me and fraudulently closed my account. When I tried to tell them my balance was wrong, instead of admitting that I was right they refunded my money and closed my account. I want my money that they stole from me. I want them to provide proof of returned payments. I have proof no payments they received from me weren't returned. Please listen to all phone conversations from XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
OnXX/XX/2018 I was reviewing my credit report and noticed that CBA COLLECTION BUREA was reporting and account that is a result of fraud. Upon further review, I contacted the original creditor, XXXX XXXX XXXX XXXX XXXX, and they had the wrong address and their records their records did not match. I was informed that the account was sold to CBA COLLECTION BUREA and the was no longer their books that I had to contact CBA COLLECTION BUREA which I did. I first spoke to a XXXX. I notified him that I was calling because there's an fraudulent account being reported on my credit file. Upon him locating the file he proceeded to request a payment and how did I plan to pay for this debt, that they take credit cards. I was so upset that he totally disregarded the fact that I noticed him that this was a frauduant account. Thats when I requested to speak to a supervisor. I was transferred to a XXXX XXXX who gave me boilerplate information and was requesting a police report and proof of residence for the time of service. I asked her to red flag the account and to stop the collection attempts. She agreed to send me a ID Theft packet. My biggest concern with this collection company is that they are trying to collect and account that is not mine and the fact that they have reported a fraudulent account to my credit report which has affected my employment due to the fact that my job is credit sensitive. I concluded the call but did informed that I will be filling a complaint and a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I had a loan on my house. It was supposed to be paid off by XXXX, XXXX. Ditech bought my loan. I noticed that the escrow account was high. They say that they sent me a letter stating that it was in default by XX/XX/XXXX, but I didn't see the letter. I kept going on the website and paying them. Today, XX/XX/XXXX I was contacted by them, and they stated that they were putting me into default on XX/XX/XXXX. They refused to take the final payment on the house, which is XXXX. They said they wanted XXXX by next week. I begged them to let me continue paying on the escrow, and they said no. I spent a long period of time on the phone with XXXX, and she kept getting off to talk with someone else. I bought the house in XXXX, and it was paid off in 24 years. the house was paid off on time ; they NEVER asked me to increase the amount of payment on the escrow, and now they're tacking on late fees. I always answer the phone, and I was on the website repetitively. I would have been glad to remedy this : now they're going to ruin my credit. I think they are pursuing predatory lending policies and I want someone to help me. I do not have enough time to get the loan for the escrow amount before the principle which they refuse to let me pay off goes into default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with NAVIENT. I spoke to NAVIENT after all loans were paid, and was told my loan would be reported as, closed, and paid. Navient still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with Navient but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
I have a new mortgage that was taken out through XXXX ( XXXX XXXX XXXX XXXX ). Their service was great. I was advised by them that my loan would be sold to a mortgage servicer once I closed, which was fine. I was also advised on the benefits of setting up bi-weekly payments, which for me is how I have to pay my mortgage to make it fit into our budget. I am the sole provider for a family of XXXX and I make enough for the family to survive and be able to save just enough. Once I received my first bill from Rushmore Loan Management Services I  immediately called, more than a month before my payment was due to setup automatic bi-weekly payments on my paydates. I was dismayed when the customer service agent advised that their company does not offer bi-weekly payments and that if I made bi-weekly payments they would hold the funds and not apply it to the mortgage until a full payment was received which is ludicrous. If any payment is made it should immediately be applied to the loan regardless of the amount. Additionally, I should have the option as advised by XXXX XXXX to make bi-weekly payments. The customer service agent stated that they have received several complaints from their customers for a lack of offering bi-weekly payments and that their management staff was 'looking into it '. I hope this complaint serves as motivation to 'look into it ' a little deeper. If a response is not received I will follow up this complaint with complaints to many other government agencies that may have jurisdiction over Rushmore Loan Management Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I sent my first letter to Consumer Porfolio Services XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form CPS. 

CPS is reporting inaccurate information related to an open account. 

CPS has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

Consumer Portfolio Services are now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

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 2018-06-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TX

Complaint narrative:
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XXXX, XXXX and XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I pay a minimum amount of {$220.00} to XXXX XXXX XXXX XXXX on the XXXX of each month. After my payment is made, my balance is only reduced by {$1.00}. According a customer service rep, I am only paying the interest. On XX/XX/XXXX, I made an additional payment of {$100.00}, which reduced my balance by {$65.00}, bringing my balance down to {$46.00}, XXXX. Today, I checked my balance, which is now increased by {$81.00}, which inflated my balance to {$46000.00}. I believe Navient is robbing me. I am not even able to see how much interest is accrued each month. I've sent them an inquiry regarding this issue today and is awaiting their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I have disputed a collection reflected on my credit report for a rental unit and have been unsuccessful. I had provided a security deposit and a key deposit around plus the first month 's rent for when I moved in 2010 around {$1900.00}. During that time the property managers changed a few years later I paid a pet deposit for {$120.00} as well. I moved out and provided a 60 day notice, I sent the key in by mail, left the property early and in good condition. Apartment complex called me later and asked for the key and clarified that the key was mailed to them and I was not contacted after that and my deposits were not returned which I figured was used for cleaning fees. Years later I found a collection on my credit report and they state I never provided a security deposit or a key deposit when I had provided all of that plus a pet deposit which they do have a record for the pet deposit. I disputed with the credit bureaus and they refused to remove it. I asked the apartment complex for the lease to prove the deposit amounts and they state they do not have it. This needs to be deleted as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent ftc with police report and all the major violaiton

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 2018-06-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent ftc with police report and all the major violaiton

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 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I called USAA about their repeated mailings. They are interminably sending offers to my self and my wife for both insurance and credit card offers. I wanted to be taken off their marketing mailing lists. We do not have a relationship with USAA When I called them, their CSR stated that he could not help me because I " don't have an account number or profile number ''. 

Stating the obvious, I said I don't have either of those but I do have my address and the other info on the latest offer for a USAA XXXX card. He apologized for the inconvenience but couldn't help me. 

After asking to speak with someone up the food chain, he went off and, after some time, said the same thing : " Sorry, I can't help you without a profile or account number ''. 

That is ludicrous. I am in their database or I would not be calling. An account number comes AFTER I establish a relationship. Not before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: IL

Complaint narrative:
I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.

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 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate
State: FL

Complaint narrative:
Please note the pre filled automated options did not fit my situation. The FMS company based in Illinois contacted me about another person 's debt. The caller stated that they received information that I may know the person and wanted me to pass along information. I would like to report for this practice because now I am privy to someone else 's debt information. The company called me from XXXX. 

I was contacted on XX/XX/2018 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XX/XX/2017 I went into XXXX XXXX to trade my XXXX XXXX XXXX. During the process of trading I was told that after 6 payments I will be able to refinance for lower payments. It has been XXXX year since I've had the car ( more than 6 payments made ) and have not been able to refinance. They did not explain to me that during the " Trade in ' that the remaining balance left on my XXXX would be transferred to the new XXXX. They told me that they paid it off. I am now stuck with a car that has negative equity with a monthly payment of {$560.00}. The payments are too much and they aren't helping me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX an unauthorized draft of XXXX was debited to my checking account, without my authorization. XXXX and I declined overdraft protection 2 years ago with XXXX XXXX XXXX  branch location on XXXX across from the XXXX XXXX  XXXX The merchant that debited my account had been given another payment method with a credit card, even though they tried to draft the amount ; it should have been declined. I have repeatedly had this problem with Capital One a few times before. When I talked to Customer Service at Capital One on the XXXX, the CSR said that she had to file a claim. I told her that it was the bank 's error, and that I should not have to file a claim. So, today XX/XX/XXXX, they have added an NSF fee of {$35.00} to my account after I talked to them yesterday. Please help me, they assured me a few months ago that nothing would be debited from my account if there were not funds available. I have called the company that sent the transaction an informed them that it was unauthorized, and that the charges will be reversed. When I made the payment to the business, I told them that it was a one-time payment, and I called them with a new credit card number last week and gave then the new information.. I called them again today ; the business that made the draft. Banks use overdraft protection to get fees from the customers. I will load a prepaid card from now on, and I will not give out my checking account numbers. My account number with Capital One is  XXXX.

Company response to consumer: Closed with explanation