vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've had Capital One Credit since XX/XX/XXXX. It was my first credit card and I was beyond happy that I had gotten approved, being that I was fresh from college. Long story short things happened in my life and I lost track of my payment due date one month in particular, XX/XX/XXXX, after having 8 on time payments, I missed that payment. With everyday life circumstances going on in my life, moving to a different city, life as a young mom it was stressful. However, it's now XX/XX/XXXX and I have NEVER missed another payment with Capital one since, and this one missed payment is having a negative impact on my credit and is causing me to suffer from advancing in my personal goals. I've been so loyal to the company that I applied for another Capital One Journey Credit card and was approved in XX/XX/XXXX, and I've never been behind on my payments. I'm just praying that someone can help me out so that I can further my future for the sake of my family. This issue has been a nightmare to me, because I'm really trying to obtain a high profile job with my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
CCS Credit Consulting services employees are rude, impolite and they are harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: U.S. BANCORP
State: MN

Complaint narrative:
My Mother XXXX XXXX, passed away on XX/XX/XXXX. She opened up a US Bank Platinum Visa Card XX/XX/XXXX. Her payments were set-up as autopay from her checking account above minimum payments were paid monthly as she was able to make them. She was responsible for keeping track of her finances. 

To my knowledge she added me as an authorized user of the card when her health declined in XX/XX/XXXX. In spring of XX/XX/XXXX I reviewed her credit card bill and found many charges she did not authorize. I contacted vendors to reverse charges as I felt elder abuse was happening to my Mom. Her health was declining and her ability to manage finances declined. All US Bank credit card bills were mailed to her residence I did not receive bills. 

On XX/XX/XXXX the account was closed.While my Mom was in hospice her mail was forwarded to my address. Shortly after that the bank informed me I was responsible for this debt. The current balance is {$4900.00} I was offered a hardship payment plan for $ XXXX/mo for five years or a pay off for $ XXXX.I refused due the fact this is not my debt A letter has been sent to the Minnesota Attorney Generals office to US Bank . The bank still claims I am responsible. I dispute this claim as I had no idea I was listed as a co-owner, I am XXXX years old my only income is social security I am debt free other then the mortgage on my house. I still need help to settle this issue and restore my credit.

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 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
For 5 years now I have paid on a Santander loan that never seems to lower they will not lower my payments they will not lower my interest rate I pay on time they report to the credit bureau that I'm paying late it's automatically taking out of my savings account every month my over 10 year old car is  costing me {$500.00} a month that I have paid for 5 years or more. They will not fix anything this is been going on for the past several years with too many phone calls and letters written to even count. It's destroyed my credit that otherwise would be fine as I have no derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I contacted the XXXX I continued to go back and fourth with the company until the XX/XX/XXXX when the XXXX closed the case even though a solution was never reached. And the bank never actually replayed through the XXXX they just sent me letters so the XXXX closed the account with no findings. And the company just kept going in circles and never actually responded to my concerns. 
My account was closed with no notification and they are unable to tell me the reason why it was closed. I opened an XXXX XXXX credit card about a year ago ( while under a bankruptcy ) I have been in good standing ever since. on XX/XX/XXXX my card was declined, when I called the bank I was told the card was closed and that it was due to a change in my credit, when I asked what the change was she told me a list of samples ( she was unsure which one applied to me ). I contacted XXXX XXXX and ordered a full report, but from what I seen online my credit went up in points from when I first applied, the last time the bank checked my was in XX/XX/XXXX ( I called XXXX XXXX and confirmed ), I only have three cards that were opened after the bankruptcy including them and they are all in good standing and paid in full up to date, and anything else before the bankruptcy is closed due to it. I called back XX/XX/XXXX and asked to speak with a manager, when I told her I spoke with XXXX XXXX and I am able to see my score its only gone up and can see tell me what the change was? she told me she is unable to see my report only my score. I than asked what was my score and she than changed and told me she is unable to see my score. I than mentioned that the last time shown that the bank checked my credit was XX/XX/XXXX, she said that the computers check at random that they cant see anything or no when or why its done. I asked why I was never sent any type of notice that this was happening and she told me once again that apparently the computers send out the notices as well. she said I can try to fight it but they don't just open the card again, they re-check you credit ( so my credit will be affected twice from the closing and from them checking to re-open )

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. 
I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. 
At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. 
I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. 

None of these companies are doing anything about it despite contacting them numerous times. 

My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2018 I sent out a dispute letter to Experian to validity and accuracy of your recent investigation of these bankruptcies that is reporting on my credit report. I ask them to explain how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called Experian XX/XX/2018 asking them to how they validate these accounts. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to a Chase Bank on XX/XX/XXXX to open up an account and was told that someone had previously opened an account using my social security number on my XXXX birthday. ( I do not have an account with this bank ) On XX/XX/XXXX, I was told by numerous people at Chase that I needed to file a claim before anything could be done, which included providing proof of my social and filing a police report. On XX/XX/XXXX, I filed a police report and returned back to Chase Bank with all of the completed requirements in order to file my claim. When I returned to Chase, I was told that there was no record of my social being in their system and that obviously the claim had been taken care of. How could the claim have been taken care of if I hadnt even filed one in the first place? And how is there no history record of my information being in their system for almost 20 years? I received a letter in the mail today from Chase stating that my claim filed on XX/XX/XXXX has been taken care of. I never filed a claim on XX/XX/XXXX. I am also being told that no information will be given by chase Bank to the police regarding the theft of my social. Its a little strange to me that for almost 20 years my social has been on an account and no one notices anything until I start looking into it, and once I do all of a sudden the information is wiped from their system and theres no record of it? I find that extremely hard to believe and the fact that I continue to be dismissed by Chase makes me think that theyre trying to cover something up. I really need help getting to the bottom of this so any assistance would be greatly appreciated. Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of america just sold my loan to XXXX XXXX. I am having nothing but issues with XXXX. Because bank of america refused to send my partial payment and the payment of {$160.00} to notify XXXX. Now XXXX says I owe them {$2800.00} and I have my bank statements to prove that the payments I made to bank of america have cleared prior to XXXX taken over. I only owe them for 1 month payment which is XX/XX/2001. I tried to make my bank payment with XXXX not they say I am not allowed to make payments. I have been harassed by bank of america for 10 years and now XXXX is harassing me by falsely saying I owe them {$2800.00}. I am under bankruptcy protection. I am being discriminated against and harassed because I am a single female. They're both trying to make things as difficult as possible for me. They are retaliating against me because of the complaint I made against them by trying to make me late by blocking me to where I can't make my payment. They are trying to lie to my lawyer that I reported false information to the bankruptcy court about how much payments I was past due which was {$4500.00}. Which they was reporting on my mortgage statement. They can not except that I have filed for bankruptcy.

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 2018-11-01 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: KY

Complaint narrative:
I filed 2 disputes on XXXX XXXX a debt collector reporting to Equifax in XX/XX/XXXX both came back as allegedly mine. I left it alone infrustration. XX/XX/XXXX I made contact and requested updated report from Equifax on XX/XX/XXXX. Recieved the report and called with a list of inaccurate information including XXXX XXXX {$320.00}. I called on XX/XX/XXXX to confirm seen changes and the dispute under investigation. In XX/XX/XXXX I became homeless and inneed of credit for housing which was denied based on the XXXX account. I've made several attempts calling every agency involved at this still remains on my report. XXXX & Equifax would not provide disclosure statement that my rights give me permission to. XX/XX/XXXX most recent report does not disclose the information being used against me with XXXX. They advised they would have to make contact with the original debter ( XXXX ) who sold the debt to these agencies. Equifax will not ackowledge the law & remove it based on the lack of information and several attempts to fix this matter even after providing Ftc report & letters from your department XX/XX/XXXX they say they have no recollection of your forwarded complaint from me. I have a response that contradicts the facts they alledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
This problem has occurred over 2years. First National Bank of Omaha charged me several overdraft fees. I contacted them about the problem over the phone and advised them a First National Bank in another state was sued over deceptive accounting practices they were utilizing and they in turn made changes to my account that I never authorized. They sent me a few letters that were very insulting. They took away my overdraft protection and put send items back against my wishes. I checked my online account almost daily. They would hold transactions for weeks and then post them all at once in any order in which they chose. They accused me of being the reason my account was overdrawn, but they would alter my records and make it nearly impossible to keep up. There were a couple of times I tried to close my account and they made excuses why I couldn't close my account and then went back on it later saying they never said that. I finally changed banks and have only overdrafted once. That tells me that I'm not the problem.

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 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX  The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage has a very, very dated website that is extremely glitchy and won't process payments half the time. I paid my bill online, but it did not go through. I was not aware of this. Freedom did not place one single phone call to me to advise me that they never received payment. They called my husband ( co-borrower ) once, but it was to offer a refinance, NOT to advise him that the payment was late. They have marked mine and my husband 's credit ( which has tanked our scores ), and they will not budge and offer a goodwill adjustment. I have sent them the following documentation : 1. Screenshot of my online browsing history showing I was logged into their system, paying or attempting to pay the bill, before the due date. 
2. Screenshot of my checking account balance of the day I was online, with more than the amount available in the account ( which was there, and supposed to go to them ). 
3. A copy of my exceptional credit rating, showing that late payments simply do not happen with me. 

We have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. We emailed all of the executives, including the CEO. The VP of customer service even admitted, in writing, that their IT department found that the system was down while I was online, yet claims they can't amend the 30 day late mark on our credit as it is illegal. IT IS NOT MY PROBLEM THEY HAVE AN UNRELIABLE AND GLITCHY WEBSITE. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) website outlining the same problems I'm having. I have paid my bill on time, every month like clockwork, and they refuse to give me the benefit of the doubt. My loan is all paid up and current, and all we are getting from them is " we can't do that '' regarding a goodwill adjustment. They seriously have the worst website interface I have ever dealt with, and payments do not go through. The fact that they DID NOT CALL ME ONE SINGLE TIME to try to rectify the situation, yet they mark my credit. I have proof this was a big misunderstanding, yet they will not budge. This is very unfair business practice. My credit score has tanked from over 800 to barely 700. It's not my fault they have a terrible, glitchy, unreliable website interface ( that many others have complained about ), and it is beyond incompetent that NOT ONE SINGLE PHONE CALL was made to me to let me know they never received payment. Instead they just wait and then ruin our credit.

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