vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.

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 2017-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Mortgage Loan # XXXX I filed a Bankruptcy partition in the Bankruptcy Court XXXX District of Alabama in XXXX. Included in the filing is a mortgage that was financed by Countrywide/Bank Of American. I later filed a Deed In Lieu of Foreclosure on the home in XXXX. My Bankruptcy docs state ( in error ) that I requested to retain and reaffirm the mortgage ; Although I did intended to retain the house it was not my intention to reaffirm the debt. 

Note : In XX/XX/XXXXthe mortgage was indeed discharged and NOT reaffirmed by BOA. 

I am currently in the process of applying for a new mortgage and the Lender has requested that I provide proof that the mortgage listed on the Bankruptcy was indeed discharged and not reaffirmed. I recently contacted the Bank of America regarding this matter and a representative in the Bankruptcy department ( at : XXXX ) confirmed that the mortgage was discharged/not reaffirmed in XXXX. 

I requested that they provide me with documented proof of the discharge in order that I could provide it to the new mortgage lender, the BOA representative refused my request and stated that they could not provide or furnish me this verification that they had on record. This makes absolutely no sense. I provided and they confirmed my identity and still refuse to honor my information request.

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 2017-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from Equifax. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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:
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from XXXX. They are supposed to respond within 30 days.

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 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was given a XXXX payment plan by Navient. The first payment was taken out of my checking account on XXXX XXXX, XXXX in the amount of {$65.00} and {$65.00} was to be taken out of my checking every XXXX months. Before the next payment was due I received a statement from Navient. Navient had changed the information ; I longer had a XXXX payment XXXX. The Loan Payment Plan is : **Consolidation XXXX, Loan XXXX XXXX {$49000.00}, Current Interest Rate - XXXX % Current Payment - {$50.00} **The Name of Loan - Consolidation XXXX, Loan Balance XXXX XXXX, Current Interest Rate XXXX %, Current Payment {$15.00}. 

Navient took the first payment of {$65.00} and has not honored the payment plan. The next payment was to be on XXXX/XXXX/XXXX. Navient has refused to take out the payment of {$65.00}. I received a notice from them stating on XXXX/XXXX/XXXX I will owe a total payment of {$500.00}. The notice was dated XXXX/XXXX/XXXX. 

Please help me to have my Consolidation XXXX honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Hello CFPB, Thank you in advance for reading my complaint, today XXXXXXXXXXXX I was contacted by a company called XXXX XXXX XXXX in XXXX, Iowa. They asked for my name and address and GAVE ME INFORMATION ABOUT THE DEBT ALBEIT did n't disclose they were a debt collections company. Under the FDCPA any debt collector needs to announce " there attempting to collect a debt '' When I let them know the person they were trying to contact was not myself they accused me of lying to them. They are trying to attach a bill that does n't belong to me to my credit report and will not listen. I told them to resolve this matter today or I would file a complaint to consumer protection for harassment. I learned they are a XXXX third party debt collector and do n't have to follow the law. This statement is true fact to the best of my ability. 
Thanks again, I look forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.

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 2017-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello! My complaint is in regards to a repossession. I was never late on my payments and my car was repossessed due to a legal issue. I have requested several times that my credit report be updated to not reflect that my car was involuntarily repossessed. This makes it look like I do not pay my bills and that is not the case. I was NEVER late paying my auto loan. I am not late paying any of my bills with Capital One. Even since the repossession they have offered me credit cards and upped my balance even though they have lowered my credit score over 100 points. I believe this to be a tactic they use by lowering people 's credit score, but continue offering them credit products that the consumer could n't be approved for outside of their bank. I would like this repossession removed so that my credit score can be restored. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I contacted Kohl 's regarding a past credit card account that has been negatively reported to XXXX and other credit bureaus. The amount of the debt is incorrect. When speaking with the company, they ask for verification information such as address, social security number, phone number, etc. They did not inform me they are a debt collector and that this is an attempt to collect a debt. They proceed to tell me that I owe a balance and I can pay a balance. When I informed them that the balance they 're mentioning is incorrect, they tell me that there is no way to dispute the balance. I ask for proof and verification of the balance according to their records and they told me they have no way of providing me with proof. This has happened on three separate occasions. 

Finally, today, XXXX XXXX, 2017, I contacted them yet again to get clarification on the balance. They inform me of the collection agency that is collecting on their behalf. I reach out to the agency regarding the debt and they tell me that they have a restriction placed from Kohl 's ( Capital One ) not to contact me at all. They tell me they also have no way of verifying the debt and ca n't provide me proof of the charges or a breakdown. They offer a settlement and I inform them I am disputing the validity of the debt and my right as a consumer has been violated. They tell me I can email, fax or mail out a letter to them and they will get it back to Kohl 's. They say that normally this is an attempt to collect a debt, but as of right now it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent.

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a personal CC through MBNA since XXXX of XXXX that eventually became part of Bank of America. Although I rarely used it, it was something I had for so many years that I paid {$1.00} each month just to keep some activity going on the card. After becoming debt free, I did n't need to use a card but it was nice to have in case of emergency. 

Around XXXX XXXX, I realized that my {$1.00} overpayments were adding up and decided to charge less than the total credit on the account for overpayment of around {$50.00} in order to use it up. 

Until that point, BOA happily posted my {$1.00} credit to my account each month. 

Once I made charges totaling {$42.00}, they did not use the available credit on the account to pay it off and when I called them, the agent/representative said that they had recently sent a check for the overpayment to me, and because of that the payment would need to come from elsewhere. 

I 've never cashed or deposited a check from BOA for the overpayment ( an easy thing to check with their accounting department ). 

I called them back to challenge being sent a check and that the balance on the account ( which was in good standing ) of around {$50.00} was greater than the amount owed of {$42.00}. 

Two things are interesting to me.

1. As long as I was paying {$1.00} per month they were happy to take the payment and allow it to grow to approximately {$50.00}. 

2. As soon as I charged {$42.00} to use up that credit suddenly there is a " recently sent '' check for the overpayment credit and that the balance on the account could not be use to pay-off the charges. 

BOA closed the account in XXXX of XXXX and charged off the {$42.00}. 

I 'm out of the money that was in the account as an overpayment and also negatively impacted by BOA closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.

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 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX is blocking me from utilizing external applications to manage my account. I have the right to do 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 explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX called me claiming to own title to my debt to a XXXX account that is no longer in now Wells Fargo 's system. used current personal information to contact me and threatened to hurt my credit as well as put me in 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 2017-10-17 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: LA

Complaint narrative:
Debt was removed from my credit report after not being able to validate the debt as per my right to FCRA. Then re added back on there which is a direct violation of my FCRA.
A consumer reporting agency shall provide to a consumer in writing, no later than 5 business days after the date of the reinsertion : ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ; ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification and this is a serious violation of the FCRA. I am requesting that you furnish this information within 15 days. If you do not provide the information requested, you must delete ( this/these ) account ( s ) as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.
I request that these debts are removed immediately as they do not belong to me.
I contacted the credit bureau and there was no validation provided XXXX from XXXX, XXXX XXXX 2017 at XXXX provide any validation about the debt that is allegedly owed. I am extremely upset that my rights were violated and will attempt to take legal action of necessary. 
==

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 2017-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.

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