vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to my credit report Khols/CapOne is reporting an alledge debt of {$250.00}. I have contacted via mail for any information to validate the reported account and have never been contacted. Also this account is over 7 years dated from the reported last payment which again i don't even know what this account is and to my knowledge is NOT mine. I have never entered into any contract written or otherwise with this company and am requesting any/all documents that would specify anything supporting I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MA

Complaint narrative:
I finally got to look at my Experian credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with Experian so i called Experian and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX   XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX   Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX USA Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed 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 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have unauthorized activity on my Pay Pal account on XX/XX/19 I submitted a claim with PayPal, the claim was declined. I decided to close my account spent one hour on hold and was informed my account could not be closed, my call was transfer to another department after 30 minutes on hold the call drop. I tried a second time with the same results 40 minutes on hold, then transferred an d call drop after another 30 minutes. Pay pal has access to my bank account and all unauthorized transaction get debited directly form my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, Im XXXX XXXX I have noticed my credit score has recently dropped to my surprise as Ive been making monthly payment online and havent been late in a while. I then dove deeper through XXXX XXXX   and found that I have 3 hard inquiries on my XXXX XXXX report. One of which I take full responsibility for which is for XXXX XXXX. The other 2 are for syncB and XXXX XXXX neither of which are from me and I would like to dispute these inquiries as they are tarnishing my reputation and credit history and wrongfully doing so

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
item was removed and put back on by law thats a violation of my rights b/c Experian did not notify me of the action law said thats a fine of 10K

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 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
The debt in question was paid on XX/XX/XXXX as seen on my bank statement, and the paid in full letter from XXXX. 
On XX/XX/XXXX i received a new letter from Convergent, claiming i still owe for same account at XXXX XXXXXXXX. 
I called XXXX XXXX twice to confirm account is closed and no bill is due. confirmed on second call with XXXX. I was also told that XXXX XXXX did not send/report a new collections to Convergent. 
Called Convergent to clarify situation, was told that Convergent just received the collections from XXXXXXXX XXXX on XX/XX/XXXX, then send me the notice on XX/XX/XXXX Convergent was no help in trying to clarify situation just kept stating that i owed the money.

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 2019-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XXXX the XXXX 2019 I filed a complaint with the XXXX   XXXX XXXX because I recently became activated to XXXX XXXX but because I was not overseas and I am XXXX XXXX. They denied my XXXX, and now I am left with a XXXX plus payment that can not afford it at the moment. While waiting on them to approve my request the interest was steady building. They sent me a letter stating that they will not honor my XXXX for XXXX because it is in the United States. I will not be on these orders forever. Once I complete these orders, I will be back unemployed and won't be able to make my payments. I have attached all documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: UT

Complaint narrative:
I was dealing with equitable acceptance with a repayment plan for my student loans. Come to find out, there have been no qualifying payment made to my loans. I had been told that I was involved in the student loan forgiveness plan, yet none of my payments were being credited to my student loans. Im not sure what this company was providing me? Why were they taking my money and I was getting nothing in return??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: PA

Complaint narrative:
It is near to impossible to contact this company. When I call I am on hold upwards of an hour before I can even talk to a human being. They do not respond to my messages, nor do they return calls. This has caused issues with additional fees being assessed. Right now I have an issue that needs to be respond. My payment was not applied correctly this will cause me to miss a mortgage payment. I need attention, XXXX knows I am paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
On an annual basis the mortgage servicer threatens me with thousands of dollars in gap flood insurance. Every year, I have to remind them to request the proof of flood insurance from my home owner association because my property is condo and the HOA handles the flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I opened up a VA mortgage with XXXX XXXX XXXX on XXXX XX/XX/2019 for {$230000.00}. I made one payment to XXXX XXXXXXXX XXXX who then sold my mortgage to Nationstar Mortgage LLC, d/b/a Mr. Cooper. Mr. Cooper. I set up payments through my bank, XXXX XXXX XXXX  and sent {$1600.00} on XXXX XX/XX/2019. This was my second mortgage payment. This payment was returned on XXXX XX/XX/2019 without explanation. I began receiving calls from an unknown entity claiming to have my mortgage but as I had not heard anything from Mr. Cooper I was not willing to discuss financial matters over the phone without some record of who they were. On XXXX XX/XX/2019 I googled the phone that I had been given, XXXX XXXX XXXX XXXX, and determine that XXXX was the mortgage carrier associated with that number and when I accessed their " new customer '' portal the system associated my phone and email address with me. I requested that document pertaining to my loan be sent to my email address. The pop box indicated that the documentation would be sent within two days. Having not received the documents I contacted the company by chat and was told that my payment was due on XXXX XX/XX/2019 and that I would be reported to the credit bureaus if I didn't get payment in. They indicated that they had sent documents to the physical address but in that region there are no mail carriers only PO Box and so no documents arrived. No one told me what was going on. No told me who had my mortgage or how to make payments. To this day, XXXX XX/XX/2019, I could not make a payment on this mortgage because I have not yet been provided the information to do so. They are going to wreck my credit with late payment that was not my fault. This should be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Insight Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/2018, my husband and I closed on a refinance loan with XXXX XXXX, from Insight Loans. The objective was to get the PMI off and get some money back for home improvements. 
The understanding and agreement that I had with the broker was that I would get {$8500.00} cash back at closing and my interest rate would be similar. The closing documents were sent but the broker never mentioned that it would cost us more than {$5900.00} to get the interest rate that he had indicated that we would get. He even admitted to me that he wasnt feeling well and did not even look at them before sending them. The closing document fees indicated TO SELLER but in two different boxes.The broker never mentioned a {$6000.00} fee, or that my cash back would change. When I questioned him about the interest, he said that it would be lower. I did not know that I had to paid this fee until the check came, and I was no longer able to rescind the loan. When I contacted the broker about the discrepancy, he ignored me for over a week. He also offered to pay me off until I was happy to avoid a complaint. He also sent me a {$50.00} gift card the last time I closed on a loan with him, for a five star review. During this issue, he also indicated that he had contacted the mortgage company to try and get me a lender credit but when I contacted them, they didnt know what I was talking about. The fee was indicated in the documents but it was never mentioned to me until afterwards. My understanding was that o was getting the {$8500.00} we agreed upon.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
applied for a credit card via XXXX and was declined. Letter showed up and reason for denial was to many cards opened in 2 years. They could also have checked and seen out of the 15 credit cards I have only 2 have a balance. Chase Bank has declined me on more than once and have no valid reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
I was recently diagnosed with XXXX XXXX XXXX XXXX. I'm XXXX years old and have significant student loan debt. I am unable to work full time during my treatment for the next upcoming year. I learned about a law that passed on XX/XX/2018 which grants a deferment to borrowers receiving XXXX treatment. During this deferment, you do not need to make payments and interest does not accrue. I have made several attempts to contact my loan servicer Great Lakes to request this deferment. Each time I have contacted them I have been told that the US Dept of Education is responsible for creating the forms to grant the deferment. I have now contacted the US Dept of Education multiple times and have been greeted with inconsiderate and unknowledgeable representatives who transfer me continuously without getting anywhere. Today I spent an hour on the phone and finally spoke to a supervisor who informed me she never heard of the XXXX deferment. I made her XXXX  the law so she became aware. She advised that the Dept of Education does not need to draft the forms and that Great Lakes should be able to provide me with the appropriate forms. Great Lakes denies this and referred me back to the Dept of Education. 
I need assistance with getting this deferment immediately and no one at either my loan servicer or the Dept of Education will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: MS

Complaint narrative:
I pulled my credit report om XX/XX/XXXX, According to the Credit report My DOB was incorrect in my file, I have been in the bureau since XXXX ; I sent them my Identification9a Mississippi Drivers License and a copy Of my SS Card I waited 30 days. I also contacted the FTC, in XXXX, GA, They responded promptly, and advised me to Contact My Congressman ; I did so, contacting Mr. XXXX XXXX 's Office here in XXXX on XX/XX/XXXX, At this time I shared my problem with the office staff.In doing so Mr. XXXX 's Office staff made a copy of My DL My SS card, and My Birth Certificate, and they forwarded that information to Equifax, On XX/XX/XXXX I recieved a Phone Call from a number XXXX, My Caller ID says it's Equifax, the man Asked me questions, to which I answered all of them. He advised me that he would correct the DOB, and other information. and that he would Put It in the Mail, Today 's date is as follows, XX/XX/XXXX. I've heard nothing, Nor Has Congressman 's XXXX 's Office. I've  tried calling the Number and I got a recording. also the questions asked of me by Equifax, leads me to believe also, that I am the victim of Identity Theft. i did not by a Car in XXXX, nor a Home in XXXX, and Credits Cards,  and A Student Loan from XXXX ... I need your help, I'm begining to think that maybe it was Intentional. 
I filed taxes with XXXX XXXX XXXX XXXX, all of my life, and not once was I audited, nor asked to pay any money, b ecause of an Overpayment, but after this thing with Equifax I was asked to pay, XXXX for an overpayment in that amount from XXXX. I have the XXXX XXXX XXXX XXXX   Guarenntee. XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS . XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
I sent this company my detailed dispute and proof on XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.

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 2019-04-11 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: MA

Complaint narrative:
I finally got to look at my XXXX  credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX  Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX/XXXX  XXXX Open XXXX To Be Closed XXXX XXXX/ XXXX/XXXX Open XXXX To Be Closed XXXX XXXX/XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed 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 2019-04-11 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: MA

Complaint narrative:
I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted branches investigation departments as well as the Social security XXXX for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Contacted branches investigation departments as well as the Social security administration for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.

Company response to consumer: Closed with non-monetary relief