vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: NY

Complaint narrative:
Attached, please find a formatted complaint in PDF. 

I filed a complaint on XX/XX/2018 against the company and in a letter dated XX/XX/2018 they replied with many and many lies and disinformation, following are some of them : 1. They failed to address the fact and issue that of the hours and hours of wasting my time going over the same old directions be the prior reps while this were already high ranking reps from their executive office, they didnt even have notes about some of the prior phone call, indeed I was promised in one of my phone calls by XXXX who undersigned the reply letter that she will check it out and will get back to me with answers as to why this was like that, but instead she as well as the other just decided to just hide the facts and just try to get away with lies in their reply and not to address the core issues. 
2. How will a mock enrollment help, if it wasnt done on my specially on my account, this is so stupid, as there maybe certain factors that are on my account while not on their mock account and if they tried it on my account, so how come they just didnt enroll my additional account while themselves while doing that mock enrollment. 
3. If there is no way that I can enroll that account, why would it be so difficult that there back office should just do it, this is just an issue of adding an account to existing functional online access? 
4. They claim that a digital technician tried contacting me XX/XX/2018, this a blatant lie, as I have a record of all of such a phone call, besides the fact they even failed to specify what type of security standards failed. 
5. I was already in United States since then and even tried to enroll while there and no luck, so they are simply declining from taking responsibility for their failed acts. 
6. All their troubleshooting steps where completed and the undersigned of that reply letter knows that, so whats her point of writing it? While that failed? 
7. The claim to trying to reach the customer while there is a suspicious charge, this was not the case here nor did they even allege trying to reach me, so the question is even bigger, if thats their policy, how come they didnt bear by their own policy of trying to call me in order to verify that charge. 
8. The reply letter also simply ignored and didnt address the XX/XX/2018 complaint filed. 
9. Lastly, upon receipt of their reply letter I made sever attempts to call the undersigned of their letter and had no luck reaching her and I wasnt lucky enough to even receive a return call after leaving her a voice mail to return my call ASAP and letting her know that if I will not receive any return call, I will be filing this complaint again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
XX/XX/2015 called and told them this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: IL

Complaint narrative:
For the past 8 months I have attempted to get Equifax to remove incorrect information listed on my credit report for an account. I have provided them with proof to show that the debt was satisfied months ago. The creditor refuses to admit fault and correct their mistake. This negative reporting has impacted me negatively. Paid debt to XXXX XXXX XXXX in XXXX on XX/XX/2017 to settle account. Spoke to rep over the phone who advised me they could not take my payment over the phone. I was ill that day. I got up and went to the bank on XXXX XXXX to make the payment. The line was long. I waited. I checked in on XXXX so there is a time stamp of my visit. I was attempting to pay and was told by the rep that I could not pay by check to close the account. The bank was closing so they allowed me to do the transaction as electronically using my debit card. The rep thanked me for coming in and reassured me there would be no impact to my credit report. A week letter my credit was hit negative reporting of delinquent account and now charge off. I called the bank several times.I spoke with the bank manager. I spoke with the call center. I spoke with the call center manager. Each agreeing to remove the negative remarks, but no one has. I need help protecting my FCRA rights to accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Stark Collection Agency, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated.

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 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a request for a credit card with XXXX XXXX bank and it was declined because of information from equafax that wasnt up to date because my credit limit on tw cards were increased by a total of {$3000.00} which made a big difference with % of credit availability. I filed a dispute with cfpb because for over the limit amounts are updated mostly the next day but it had been almost 3 weeks and it wasnt updated. I was sent an email saying it had been resolved but I couldnt get the results on line and when I called I was told the didnt have any disputes from me. After I file the dispute my credit score with XXXX went immediately down while the went up with the other two agencies. I was sent another email from them saying it was ready to be viewed but I wasnt able to view them again. Equifax also sent out information on my new balances without mentioning the increases intentionally trying to lower my other scores. I would like to know the agency that I can file a discrimination complaint and a retaliatory complaint for them intentionally trying to limit my credit and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: OK

Complaint narrative:
Our mortgage is with PNC Mortgage. It was previously XXXX XXXX and since PNC took over we have had nothing but problems with PNC. We show a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/2017. There were many things that occured that caused these to be late. First we thought we were set up for automatic payments online but their payment system did not work properly. When we were notified ( finally after 2 weeks ), we tried to make the payment online as a one-time payment. Again it looked like it went through from our end but it didn't work. After more than a week we found out it didn't go through again because of PNC 's faulty payment system. We decided to mail a check for the payment. After several days we got the payment back as underliverable. I noticed the statements they mailed us had a different address then the payment book. The payment book also had the wrong amount of it. Now we were having to play catch up because we had more than one payment that didn't make it. We thought the money had already come out of our account and we didn't check our bank statement. Once we found out that we were behind 2 payments we had to take a loan out on my husbands retirement. It took a while to come in but as soon as it did we got all caught up. This was the only time we have been late. We have disputed this with the credit bureau 's and with PNC and have gotten no where. While we should have checked our bank statement this should never have happened. Their online payment system is truly faulty and this is not our fault. In addition to the issue discribed above, their payment system doesn't even allow you to pay online if it is after the XXXX of the month. This makes it really hard to get them payments. We also believe that having more than one address ( statement address vs payment book ) is ridiculous and our payment should not have been sent back. We are trying to remortgage our house to include a balloon payment due mid XX/XX/XXXX that the previous owner of the house took out to assist us in the purchase of our home. These late payments are keeping us from doing this. We need to be able to remortgage to pay off the other loan. We have hit nothing but road blocks from PNC. We even contacted them by phone when their faulty payment system caused us to get behind and they refused to help us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
When I initially applied for the Best Buy Credit card back in 2012 they added in a debt protection fee that adds an addition charge for every XXXX dollars financed. From my understanding the protection was disclosed in the application but not brought to my attention as i would have never purchased the debt protection. I discovered this back in XX/XX/XXXX when I paid off a large sum and was hit with a charge that I've never seen on my statements before for debt protection. Citigroup or the subsidiary was very helpful in terminating the protection. I attempted to previously get the funds reimbursed in total for over the XXXX dollars paid into the program but was returned that they can not due to me signing up and applying for coverage. I have attached the letter from the first attempt and also and example of a billing statement highlighting the fees charged for this period and over the year. I have all financial records from this account and do not see anything for the debt protection. I have a request currently with the debt protection agency to give me a copy of when I agreed to or signed stating I am in agreement with the protection.

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 2018-06-22 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: PA

Complaint narrative:
Dating prior to XX/XX/XXXX and prior even I was told my only option was forbearance that I was not eligible for any other repayment plan. XX/XX/XXXX I realized there were other options and the payments they claimed I had to make were outrageous. After more of my own research I called back in and explained how I was once again misinformed and wanted repayment options. I was given a repayment plan but even up until XX/XX/XXXX I was lied to about what the payments were going to be and never received any of the documentation on how or when or even how much the payment would increase causing late fees to accrue. Between the years of accumulated interest in forebearance that I didnt deserve and still inaccurate information resulting  in more money I have to pay my loan amount will never seemingly go down remaining at XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with Experian and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.

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 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
I received a letter from ARS signed by XXXX XXXX. This is a collection letter for healthcare services my spouse received. We have 2 insurance companies. The claims were not sent to XXXX first and then to XXXX so they have not been processed correctly, after repeated phone calls to XXXX XXXX of Arizona. I called ARS to first, remove my name from the letter as I am NOT my spouse 's guarantor and should not be receiving his HIPAA protected information. And the man that answered was EXTREMELY rude and said I have to send in his driver 's license to take his name off. And I said, no I do not but in any case the claims haven't been sent to the insurances. He refused to listen to me and said we will just leave it as is then and HUNG UP ON ME!!!! So rude!!

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 2018-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ).

A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately.

Thank you in advanced for your quick response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My issue is with TransUnion and their credit freeze service. I initially added a credit freeze to my report but at a later date decided to remove the freeze. I logged into their site and initiated the removal of the freeze from my account. My PIN was accepted and the freeze was supposed to have been removed. With the next application for credit, I was informed that my TransUnion information could not be pulled as there was a freeze on the account.

I attempted to perform the removal steps over the phone but my attempt was rejected as my social was identified as not have a freeze in place. Again, I asked the financial institution to try and again they reported the freeze was in place.

I have now contacted TransUnion by phone twice to try and have the issue resolved. Each time a story of a synchronization issue was created and I was told that they would request a " resync '' of the account to correct the problem. Each time the result was that the account still appears as frozen with no real path forward.

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 2018-06-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My CC payment is due on the XXXX  of each month. The cut off for the statement is the XXXX of each month. I sent out the payment for XX/XX/XXXX on the XX/XX/XXXX and it posted on the XX/XX/XXXX, the same day as the statement cut off, thereby posting to the XX/XX/XXXX statement. I contacted the Barclays CC and asked to have the payment corrected to post towards the XX/XX/XXXX payment due as intended and they refused. I have maintained my account as agreed with them. I have never asked for any accommodations. I would like this one time mistake to be corrected and the payment be posted as I intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with XXXX and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.

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