vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a time share in XX/XX/XXXX from XXXX XXXX XXXX, three total payments of {$1700.00} on XX/XX/XXXX and then two on XX/XX/XXXX for {$1100.00} and {$10000.00} for a total of {$13000.00}. I purchased a time share with trading for another resort using XXXX XXXX. 
I would NOT have purchased if there were no " trading privileges ''. When I tried to uses the service I was told I wa n't a member, " my contract number wasn't valid ''. I called and wrote the company in XX/XX/XXXX to request a refund after being given the phone run around since XXXX of XXXX when trying to book a trade of the unit. 
On XX/XX/XXXX I contacted Capital One to dispute the three charges. Since then these charges have been credited and recharges numerous times. I did receive a letter from XXXX XXXX XXXX in XX/XX/XXXX releasing me of the contract and sent a notarized release on XX/XX/XXXX. I signed, notarized and returned this document on XX/XX/XXXX. When I contact via phone Capital One they explain " it's being investigated ''. 
I FAX copies of these documents to Capital One on XX/XX/XXXX, no reply. I feel when I call, I must start over on the claim. They have assigned various case numbers, XXXX,XXXX,XXXX,XXXX   & XXXX. 

On XX/XX/XXXX rather then submitting a payment, I wrote requesting a final credit of {$13000.00} plus a reverse of any interest of late fees. Finally I like Capital One and would like to use my card again, without resolution I can't continue as their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
At the date of purchase, the interest on the contract was not explained to me as " simple interest ''. The company is now telling me that at the end of the loan, I will still owe about {$4000.00}. I have already paid, by my account, {$22000.00} for this car, 5 years into the 72 month loan. By their account, I have only paid XXXX. If I continue to pay this loan until it is completed, I would have spent {$33000.00} on a loan that was supposed to total {$25000.00} at the end of 72 months. The interest rate on the loan was 18.8 %, which was excessive to begin with. The price of the car when I bought it was {$15000.00}. I feel as though this company is loan sharking this loan, and I have informed them that they may pick the car up, as I can not afford to continue paying this amount for a car that was never worth that to begin with. Current XXXX value of the car is {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not  match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX on several occasions explaining what happened with this account & that XXXX  XXXX XXXX has already deleted this information but they continue to report it. It has been well over the time to have this account removed but they continuously report it & is preventing me from opening a checking account which is hurting my family. My son is XXXX and I need an account to make sure his money is secure, I have to prove that the money is going into an account for him but I can't because I am not able to open a checking account. My son may lose his benefits due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company Ocwen Loan Servicing LLC on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to Ocwen Loan Servicing Llc See Exhibit J. Ocwen then proceeded because of XXXX  XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted Ocwen after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted Ocwen pleading for Ocwen to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing Ocwen to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. Ocwen did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XX/XX/XXXX to match the agreed reaffirmation agreement. Ocwen then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX   XXXX XXXX. This action by Ocwen not pursuing any loss mitigation against XXXX XXXX XXXX was complete neglect of the debtors right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX of last year I had a car wreck. They sent me a bill and i began making payments on it. I have been paying on it for almost 7 months, then out of nowhere i get a letter from a collections company saying my bill has been sent to collections, even though the hospital has been sending me bills with updated amounts on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: Risecredit, LLC
State: AL

Complaint narrative:
RISE on XX/XX/XXXX reported an account and address that is not mine. I was told to complete an identity theft report to RISE and they would delete this fraudulent information from my XXXX  credit file but they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: MI

Complaint narrative:
Navient misapplied my loan payment. Within 120 days of distribution, all payments will automatically be applied to the principal. However, after 120 days, payments will first be made towards the interest, and then the principal -- or so the company states. I recently made a payment of {$500.00} on XX/XX/XXXX ( post 120 days of distribution ). It was misapplied to only the principal balance. I had to call Navient in order to get them to correctly apply the payment. This is a huge waste of time. Moreover, this is not the first time they have done this ( to me or others ) ; it is no wonder litigation is pending against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: LA

Complaint narrative:
On XX/XX/XXXX, letters were mailed to Experian in order to get incorrect personal information removed from my credit report. 
In providing PROOF of identity, I provided my original birth certificate, social security card, police report for stolen wallet with all personal information inside, a utility bill for current address, as well as statement. 
I informed that my name is XXXX XXXX XXXX and has always been, XXXX XXXX XXXX. 
However, my report shows 16 different variations of my name, along with adding another last name, there are multiple misspellings.

There are also 20 addresses listed.

There is no way possible that I could have lived at 20 different locations In 7 years, with some being in different cities. 
There are even social security variations, as seen, using my daughter 's social security number, of which was stolen with wallet. 


It is my right as a US citizen to have this INACCURATE information removed from my report immediately, especially after providing the requested proof as stated on the company 's website. 

I have also provided proof, where this company has sent me two separate reports with two different spellings of my name. 
It has become apparent that this company IS NOT completing proper investigations. 

My letter was mailed from Louisiana XX/XX/XXXX, And a letter was sent in response to me,XX/XX/XXXX. 
How can one complete a proper investigation in such little time?

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 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I attended XXXX of XXXX through XX/XX/XXXX- the closure in XX/XX/XXXX. I was half way through a 3-year program. Now, I signed a contract to pay my loans had a received an education from there, well as you know the school was shutdown. Since they didn't keep their end of the deal I am not responsible for repayment, in fact I believe I deserve a reimbursement. The Federal loan was " forgiven '', rightly so, but XXXX XXXX XXXX wont leave me alone, claiming I owe them {$4800.00} in private loans. I'm not asking for a reimbursement, although it's owed to me considered time lost, all I want is to improve my credit score and to get rid of this loan which I don't think I owe, and to stop the harassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I called Transunion to dispute prior accounts. I have been doing this since the month of XX/XX/2018. During one of my recent calls I was notified that my personal information was incorrect when I always provided my first and last name. I provided my social security number but the credit name was wrongfully updated on the credit report. My legal name is XXXX XXXX. On the credit report it was XXXX XXXX. During my last phone call of disputed with Transunion, I was advised to send a letter as to the reason why I wanted my personal information updated along with a copy of my license and so forth. Unfortunately, I do not have the convenient time to do so and it was not a mistake on my end. This was an inaccuracy from the credit bureau itself and my personal information should be updated because they have the system to do so. Now my credit report and information is all wrong due to their mistake of my personal name.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g,  Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
i had account with XXXX  and salesepaerson came to me presenting XXXX  but they werent XXXX   they were XXXX XXXX XXXX then i paid XXXX i never recieve the phones but 4 month later XXXX  billed me with XXXX i called XXXX  and there were 2 number created under my name with new number i tried to call XXXX XXXX XXXX and explain they want to charge me XXXX termination fee then they send me to collections i been thro this since 2014 i have the XXXX  receipt with different name on signature now i dispute this case with XXXX XXXX  and i feel that they abusing my credit report and i have the paper work i cnotact XXXX  and XXXX waived the bill and marked the account as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I received a letter from my financial institution stating that both of my business checking accounts are being closed. I am a legitimate business owner and have never done anything wrong or received any warning of any wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ad Astra Recovery Services Inc
State: FL

Complaint narrative:
This collection is from XX/XX/2012 From Ad Astra rec collection / charger off in the amount of XXXX XXXX they very unpleasant this company should not be allowed to be involved with anything they yelled at me called me a lier and treated to have me put in jail and I would really like to see if this can get removed from my credit account because it's 7 years old and I have had to change my number just to avoid there very rude and unpleasant phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My Mother passed on XX/XX/18 and I inherited her property via her will that had a mortgage with PNC bank. Within two weeks of her passing I sent the bank a partial payment of her mortgage and completed a modification application in XX/XX/XXXX. PNC returned the payment to me stating that I could not make a partial payment and advised me to proceed with the modification/loss mitigation application. I stated on the application that because she missed two closings due to someones negligence and lost out on a XXXX grant that the estate planned to possibly file a legal action on all parties involved and because resided in another state that I wanted to keep the property and place a tenant in the property. After five months of months of sending in extra documentation and multiple phone calls with loss mitigation and having at least five different points of contact PNC informed me that because the property was not my primary residence they had to deny my modification application, could not offer me any payment plans or loss mitigation options and subsequently filed a foreclosure notice on the property. I asked why they couldn't offer me any loss mitigation options and they informed me that FHA guidelines were extremely stringent and does not allow for modifications on non owner occupied properties whether inherited or not. I asked why wasn't my application denied within 30 to 60 days if I stated that it was not my primary residence and they told me that they did not know. This situation has caused me an extreme amount of XXXX and XXXX about my mothers property. Hopefully we can work this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: MN

Complaint narrative:
I tried to use my account and it says it is restricted and when I called customer service, I couldn't understand what the agent was saying.

Company response to consumer: Closed with explanation