vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One Credit card where the minimum balance is {$140.00}, I have recently lost my job last month and going through financial hardships trying to pay my bills on time. Ive been late on a few payments but the late fees are taking a toll and my credit score is steadily decreasing. I have a 96 % on time payment history and would like to keep it around that amount if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ignite Revenue, Inc.
State: TX

Complaint narrative:
XX/XX/19 XXXX XXXX is the name of one of the companies. The company is calling the wrong number. They are asking for someone else who I do not know and is not at my number. I.e. XXXX XXXX, I have told them numerous times they have the wrong number and I am not the above person. I do not have an account, owe a debt or business with this company. Evidently the individual has numerous accounts ; where as several companies with different numbers are constantly calling asking for her. Tele # of company XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud? 

I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them. 

This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I started when I was laid-off back on XX/XX/2018. I got behind a couple of months. I paid one month when I received my tax return. I applied for a modification with XXXX which was my Mortgage Company. They denied me the loan mod. due to unemployment was not considered an income. I found a job in XX/XX/2018. I applied for the loan mod. again resubmitting documentations and application along with pay stubs. I was able to make one payment. XXXX would repeatedly state that they never got all my paperwork send it again. Then one day they told me my loan was being sold and they had all my documents and they would transfer my docs to my new Lender Shellpoint. it took a month for me to finally get my transfer completed. Shellpoint stated that they did not receive any documents from XXXX and I would need to start the process over again to get a loan modification with them. So I asked if I could make at least make a payment and they stated no not at this time they would need at least {$5000.00}. So I begin to scan my mod. application and all the documents they requested. and again they would state they never received or they would request that it should be sent a certain way. When I started getting the run around again around back in XX/XX/2018. I decided to seek help. So I hired a Law Firm needless to say it still was no help everything I submitted to the Law firm and cc Shellpoint documents was still incomplete the Law firm was upset as well. I just don't understand now I'm paying a Law firm when I should be paying my mortgage. I'm so upset I can't sleep at night I work and I have a business which is suffering as well. When I could be thriving in my business if it wasn't for this foreclosure hanging over my head. I have a license Group home that I can have provide services for the Elderly and XXXX adults to live in family environment instead of nursing home. I have a Provider and medicaid number I can bill their insurance companies for the services that we provide. But unfortunately I had to return my Residents in fear that I will be foreclosed. Shellpoint Mortgage is not letting me make payments by giving me the chance to modify my loan and keep my home. I don't know if the Law firm is in on it as well. This is not fair for hard working families. I have all the emails and documents that was faxed and scanned to XXXX, Shellpoint and Attorney 's office. I have answered every request the Attorney 's office only calls me back when I call them for updates. and when I receive mail from Shellpoint 's Attorney I immediately update the Attorney. Please help this so frustrating!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX, my Capital One personal card was declined while trying to make a purchase ( less than {$10.00} ). Upon calling Capital One customer service, I was informed that a " restriction '' was placed on my credit card account, and that I would be unable to use the credit card until I submitted specific documents for identity verification. 

When I asked why the restriction was put into place, a representative of Capital One & that representative 's supervisor both declined to provide an explanation. My account has been in good standing for many years, and Capital One gave me no notification about potentially fraudulent charges ( as has happened a number of times in the past ). Quite simply, Capital One restricted my account with no warning or justification provided. 

Capital One 's proposed solution is for me to submit ( sensitive ) documentation in order to verify my identity : [ 1 ] a scan of the front & back of my driver 's license, [ 2 ] a scan of my signed Social Security card, and [ 3 ] proof of residence ( e.g., a utility bill or bank statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NV

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation. 
On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. 

Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Armcon Corp
State: CA

Complaint narrative:
Coachella Valley Collection Service called me to reach out to my brother, I was at work but the lady with the name of XXXX called me every 2 minutes, including my work number, after I called her supervisor / XXXX, he promised they don't call my employee anymore, but when I came back to work, my coworkers told me they called again. 
when I told XXXX the law doesn't let you call my employee, she just screamed at me REALLY??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX  XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit. 

I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender. 

Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury! 
In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I lived on-site at XXXX apartments where I worked as a leasing agent for the apartment community and was fired for reasons due to my job performance. XXXX was the Management company. They requested that I vacate my home within 7 days following the end of my employment in XX/XX/2016. 
They initially charged me for the remainder of my lease term, which isnt legal. I contacted the regional manager, assistant manager and property manager via email explaining to them that I vacated the home and they could no longer charge me for rent especially if the home was leased. 
I was asked to move and vacate the home after being fired but they still charged me for rent. 
The collection company handling the account is IQ Data International. Ive called them and wrote them letters several times requesting any and all paperwork that they have on file to prove that this debt is valid and the only thing theyve sent me is a ledger with incorrect amounts from the Management team I previously worked for. 
The property management company had my address, email and phone number on file due to me being a past employee. But they failed to send me a move out statement showing the balance owed to my address on file, they immediately forwarded my file over to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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:
Fraudulent account XXXX XXXX XXXX XXXX XXXX Date XX/XX/2017

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery is reporting a debt that was discharged on XX/XX/2011 and my attorney even sent a letter and email with no response, but its still on my credit report. Can you please help me with this matter. Portfolio Recovery Asso. XXXX XXXX XXXX XXXX, XXXX XXXX phone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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:
Fraudulent account XXXX XXXX XX/XX/XXXX Amount XXXX Date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
Contacted credit bureaus XXXX, equifax, and XXXX I disputed items that were inaccurate on my credit report, and my scores are low and should be in the 620 to 650 range, but I download proof of documents showing I'm no longer responsible for the accounts, after the investigation they tell me they are not changing the information because credit says it's accurate when it isn't. Then they bar me from reviling another dispute. I have so many inaccurate accounts on my report that it causes emotional and financial stress to me because I can not get approved for credit.. Then the equifax and XXXX reports the same accounts twice driving up my debt to income ratio for amounts that appear on my credit twice. I have requested by phone talking with a very rude representative who refused to delete the accounts they are reporting twice. For example I have an arrears of XXXX with XXXX XXXX child support. The report the same account not once but twice making it appear that I'm XXXX in debt with child support when I'm only XXXX in debt. Also they have not removed the debt from my credit report that was divided from a divorce. They care nothing about fair credit reporting laws. They are very snooty, very sarcastic, for example the representative laughs and tells me over the phone '' Ha! Go read and report us, not like anything is gon na happen. We get complaints all the time to the ftc they have not done anything yet. " .i mean I am terrified that the XXXX government allows these agencies to rule over our credit because their main focus is keeping us in poverty and not allowing us to excel..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc
State: TX

Complaint narrative:
It began when I submitted a request with XXXX for their free quotes on refinancing my XXXX XXXX. I read their terms and it states they would gather some information from me an sent it to several lenders. It also states that several soft inquires may occur by the lenders. Within minutes after completing the form for the fee quotes from XXXX I started to receive emails and phone calls from several lenders. 

Once I learned some of lenders offers I declined to continue with the process of getting a loan. Out all the these lenders with their offers, one lender, RATEGENIUS, somehow continued the process by completing a loan application. Then shortly afterward I receive an alert saying that RATEGENIUS had submitted a hard inquiry from XXXX. I ran XXXX XXXX and I learned that XXXX XXXX had done a hard pull on my XXXX credit report on XX/XX/2019. 

Today, around XXXX XXXX I called XX/XX/XXXX customer service and she connected me with the dispute team rep. The dispute rep I spoke to says there is not much I do about this hard pull even without my permission given to RateGenius. I have had several hard pulls in the past, but have never submitted a dispute. Today I decide to submit a dispute and the credit agency tells me I can't do anything but wait 2 years until it is remove from my credit reports. 

I just don't believe nothing can be done about these issues. So I am contacting your agency for assistance in this matter. Please help me in resolving this matter with Rate Genius Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPAS, Inc.
State: TN

Complaint narrative:
WAS CONTACTED BY NPAS ON XX/XX/2018 AT XXXX XXXX ABOUT A BILL WITH XXXX HOSPITAL THE REP MADE ME MADE WITH HER SARCASTIC ATTITUDE. YES I SPOKE HER OUT TOLD HER THAT I HAVE BEEN WAITING ON A ITEMIZED STATEMENT FROM THEM 6 MONTHS HAVE NOT RECEIVED IT YET. SHE SAID WELL MAYBE YOU NEED TO MAKE A PAYMENT I SAID I WILL NOT BE DOUBLE DIPPED FOR MEDICAL BILLS.AND THAT I TOLD THIS TO THE OTHER COLLECTION AGENCY. SHE KEPT GETTING SARCASTIC AND I SPOKE HER OUT AND HUNG UP.

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