vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX contacted me regarding a debt owed to Kohls credit card by capital one. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. Kohls cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. XXXX, Kohls, and Capital One have violated the agreement.

See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card was lost and a fraudulent charge appeared on the card. Company recognized the loss and sent me a new card but refused to put into dispute the fraudulent charge because they could not " verify '' me. I spoke with XXXX whose ID is XXXX. Absurd that I am expected to pay a fraudulent charge because the company could not verify me when I complain about it. This is a process designed to avoid taking responsibility for fraudulent charges which the company MUST do under the Fair Credit Billing Act. They are breaking the law and should be admonished for this. If I report a charge as fraudulent, they MUST deal with that charge - they can not ignore my complaint

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 2020-11-02 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:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened

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 2020-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened

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 2020-11-02 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: TX

Complaint narrative:
Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.

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 2020-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: AL

Complaint narrative:
Hi! My husband and I purchased a home in XX/XX/2020. We filed for homestead with our county tax accessor and learned that, due to my husband 's XXXX status, we are 100 % property tax exempt. We promptly sent this information on XX/XX/2020 ( and all requested forms ) to our mortgage provider ( Ameris Bank ) and after numerous calls ( 1-2 calls per month since XXXX XXXX, and speaking with numerous supervisors ( two separate supervisors in XXXX and XXXX XXXX, we have still not received an updated payment amount or the escrow refund that we were advised was due to us. Each call results in a " we are still researching '' and a different date the issue should be resolved. Again, this has gone on since XXXX and I do not know what else I can do at this point. I do not have the funds to hire an attorney at this time so any help would be appreciated! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
In XXXX of last year, I received a letter from Credit Collection Services stating that I owed a debt to XXXX XXXX, which is a utility company in Illinois. I called up the collection agency and explained that I have lived in Colorado since 1994 and that this debt must be for an account that my deceased father had. The women with whom I spoke asked me to confirm the phone number which was XXXX, which is not my phone number, but my father 's, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX. At that point, the lady said they would send the debt back to XXXX as it is for a person who is no longer living. 

However, today, I received another bill by the same company for the same debt. I want some assurance this debt will not hit my credit report, as it is not mine, but my father 's, who is no longer living. I want a record of CCS stating they will not report this debt on my credit, as it is associated with my father. Please note the address they are sending this debt to is a Colorado address, however XXXX XXXX is a XXXX XXXX XXXX. They need to do a better job of verifying who's account this is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter XXXX from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and Navient is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to Navient. Navient reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as Navient took over the account XX/XX/XXXX. With interest, Navient is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring Navient to prove the {$30000.00} in loan as Navient can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have Navient provide copies of loan contracts that I signed both to me and to the credit bureaus. Navient has not provided me with one lender signed loan contract. I am requesting that you mandate Navient correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If Navient can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my Navient account as a straight principle payment. XXXX, with Navient stated today XXXX XX/XX/XXXX XXXX on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
the credit bureau Transunion has sent me a letter asking me to show additional information regarding who I am. However, I supplied them with a copy of my drivers license and a picture of mail that arrives to my residence with my name and address showing. they are asking me for a full social, which is not needed. I believe that this is a stall tactic on their behalf. in addition, the credit bureau states that they have verified all the information at hand. i ask them to please send me proof of how it was verified as accurate, and they have failed to do so. i need to see verifiable proof of how these accounts were verified and that they indeed belong to me. itemized bills are not sufficiant.

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 2020-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had a Heloc 2nd Line of Credit for over 10 years with US Bank. In the last few years, I have had some health issues ( all resolved thankfully ) combined with a change of my profession. This has caused some late payments. I was in the process of a loan modification with US Bank where I was simply asking them to review and make changes so that the payments were manageable. DURING THE MODIFICATION, process in the last 10 months, they decided to file an N.O.D. on the loan. This was WITHOUT any type of discussion or forewarning. This happened " 2 days after US Bank requested updated financials, et al, which I immediately provided. '' The next thing I know, I discover that the Notice of Default was again, filed. I was SHOCKED. 

I immediately made arrangements and made the loan current by paying {$13000.00} to cure the loan. 

Now, effective XX/XX/2021, the End of Draw period will occur. This means the payments will go from interest only to Amortized payments which will increase the payments drastically. I have been discussing this fact with US BANK for the last 2-3 months. I was told to apply for a new 2nd loan ... .. I have the loan application completed on the US BANK website, but I have not submitted. They have requested 2-3 simple documents which I have to obtain thru their website. Well, their website does not clearly provide those forms. I have called US BANK to ask questions and get more assistance however their customer service is non-existent. The banker, XXXX XXXX ( XXXX XXXX ) does not answer his phone nor has he returned my 4 voice mail messages. 

It's impossible with my work schedule to constantly call and navigate their system. I have gone to the local branches to get a face to face meeting with somebody in management, however, due to the Covid situation, the brick and mortar locations are not open for communications. They say to go on line. Hence my current situation. 

This is extremely unprofessional. I am a professional and would expect to be treated as such. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-11-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Refinanced home mortage with XXXX XXXX. That loan was closed and finalized on XX/XX/XXXX. Freedom Mortgage continues to state that I did not make payment on my loan in XX/XX/2020, as well shows a late payment for XX/XX/2020. The loan was paid in full on XX/XX/XXXX via the new refinance loan. Freedom has reported to all credit agencies that I am currently delinquent on my loan payments when in fact they still owe me overpayment.

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 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2020 my card had been charged in the approximate amount of {$1300.00}. I was given a provisional credit of {$640.00}. I was refunded the remaining amount. The bank then took back the provisional credit of {$640.00} dollars. I appealed the denial for my {$640.00} and sent proof of location and time cards as well as a police report. The charges in question are from illinois and california. The bank Navy Federal Credit Union denied my claim again for the second time. They stated that since i used my card at my gas station next to my house i must have made the in person purchases in illinois and california. They refuse to give my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NCB Management Services Inc.
State: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.

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 2020-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon applying for a mortgage loan I reviewed my credit report and noticed several inquires that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-02 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: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've attached the email I've sent to BMO Harris/ DINERS CLUB INTERNATIONAL CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including BMO Harris. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that BMO Harris Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to BMO Harris ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX 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