vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
To the Capital One credit card department, I signed up for the Capital One Spark Business Visa to spend of {$50000.00} promotion and receive XXXX points. I made a few phone calls to Capital One customer service toward the end of the 6-month spending term. Over those phone calls I was given different information on each phone call. Except for one item. The fact that the full XXXX bonus would be earned. 

There were a few issues that led me to know that I met the spend & would receive the entire XXXX points : 1 - I didnt receive my credit card in the mail until XX/XX/2019, essentially the spending promotion should go through that date. 

2 - per the phone call on XX/XX/XXXX XXXX XXXX  EST with XXXX in XXXX Florida he stated, call in closer to the spending date to obtain more time to meet the spending requirement as that has been the standard & Capital One will give you additional time to meet the spending requirement. 

3 - XX/XX/XXXX XXXX XXXX  I called in to see where I was at for the spending. On this phone call the representative was calculating my current spend & she told me everything was alright & that I had spent enough money to meet the spending promotion. 

4 - The most significant issue of all though is Capital One did not provide a tool to properly track spending for the promotion for customers or the customer service representatives attempting to answer this question. Each time I called in the amount the representative gave me was different than what I was calculating at that time. They didnt have a tool themselves & were manually calculating the spend themselves. Which resulted in me understanding I had completed my spend per representatives directly telling me this. Moreover, when downloading to a csv file Capital One previously only allowed 60 days to be downloaded at a time, that makes the calculation process difficult. I now see that Capital One added the feature to download 25 months. I highly appreciate that. 

I will highly appreciate Capital One adding the missing XXXX miles to my account. 

I attempted to contact Capital One via mail twice & it appears they didn't even really read the letter I included above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Not sure of any dates when I noticed this on my credit report I disputed it and it came back denied like its mines I did not notice the debt until I decided to be more involved with my credit to buy a house this debt is from speedy cash ... in 2016 I believe XXXX or XXXX some time I had all my personals stolen including my social bank details from my check book and I blocked my social and set out fraud alerts when I re covered all the missing personals and felt safe I unblocked my social and for job purposes even if a u lost your social its not like they give u a new number anybody couldve still used my information they is real scammers I did not apply for speedy cash if this was approved online is there way to track the device and location is was done or a video footage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK

Complaint narrative:
XXXX  XXXX knowingly allowed me to go o we my credit limit. XXXX  sold my debt to Rausch, Sturm, Israel, Enerson ... .law firm. 
I paid of {$10000.00} and they are after me for thousands of dollars of interest. I have been in negotiations with this law firm and they are ruthless. XXXX  is the only company that has not settled. 
They have called my work twice within an hour and sent a fax wanting to verify my employment. I called and have talk to the collections manager. His phone message states he will return the call at his convenience. No return call! Have emailed the collection manager and he finally emailed back and said he was in a meeting. 
They are rude and impossible to work with. I will have to try to get a loan from the bank. But I have lien against me. I have paid off all but the interest they state I owe. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: AZ

Complaint narrative:
I contacted trans union and advised them that I was a victim of identity theft I notified them of two accounts thats are fraud as well as inquiries that were not mine. I ask them to block those accounts and remove the inquiries it still has not been done. I provided them with a police report as well as a theft affidavit and they still treated it as a regular dispute the agent did not handle my request properly Im tired of being a victim of identity theft and having to call all day with no resolution I plan to take action against them if this is not 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 2019-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Freedom morgage bought my morgage XX/XX/XXXX and from second month they stared sending letter letters say I didn't pay my morgage payment Then six months later I started getting letters stating I was several months behind .i called and asked what months and then twice sent copies of front and back of canceled checks for those months and both times they said they didn't receive them after phone calls over several months of there personal just wanting to know when I was going to send payment XX/XX/XXXX I called and informed them I would be late on XX/XX/XXXX payment because of death in family and would pay extra each month to make it up.then I received five letters for five different single point of contact when I called was told they were no longer employed They started forclosure at end of XX/XX/XXXX I sent five copies documents for modification and they rejected all I've got canceled checks for several months they say never received Had a court date of XX/XX/XXXX and on XX/XX/XXXX received letter from there attorney canceling the motion and court date. On the XX/XX/XXXX I received lazier from master commissioner for sale date of my home motion was dated XX/XX/XXXX I was never informed of second court date or not e they started forclosure again. I have all bank statements and Morgage statements with other issues like missing funds from escrow I'm 100 % XXXX and a DAV and this home is all I have An you help

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 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Received in a envelope XXXX from XXXX XXXX  in XXXX, Ohio. Two pieces of paper for a Request and and Written for Garnishment that was enclosed in this envelope.. They have filed through State of Michigan Judicial Circuit - XXXX District. I have never banked with this company so I was utterly shocked. It was filed by XXXX XXXX XXXX, XXXX c/o Weber & Olcese, P.L.C. in XXXX Michigan. I have no idea what this is about. There is no information what this collection of debt is original from. This is a 3rd party that bought a old debt. This is a old debt through a credit card that was charged off and is way past the Statue of Limitation. There is no information of who the original debt was from or what year. I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This account has a lot of inaccuracies, the date of last payment is missing in XXXX and XXXX. Please delete this inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I found a fraudulent account on XX/XX/XXXX, for Synchrony Bank Pay Pal Credit. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my XXXX  credit monitoring that XXXX   dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by Synchrony until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX   employee and have to maintain good credit. This could negatively impact my job. Synchrony has not responded at all, and I have two other Synchrony accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and synchrony as well as the credit bureaus should be held accountable for their actions.

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
Consumer complaint received 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: First Advantage LNS Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I checked my credit score and it was down, so i logged into my XXXX  account. There was a pull on my credit from a company named resident data financial llc out of XXXX texas. The address on XXXX was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have attempted to call and contact online but they have no website and the phone number isnt valid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
In XXXX I had a medical crises that required extended hospitalization and resulted in me moving in with relatives to be properly cared for during my rehabilitation. My student loan in XXXX were under a deferment. During hospitalization and after, my mail was was returned to the Department of Education. I was not aware that my loans had defaulted and not able to exercise my right to an oral hearing or a delay of garnishment because I did not receive the mail. I petitioned the Department of education to stay the garnishment and grant an oral hearing through their agency XXXX. I requested oral hearing to explain my circumstances and request hardship on XX/XX/XXXX and on XX/XX/XXXX. I sent all request via certified mail and both mailed and uploaded documents directly. The Department of Education has refused to grant my right to an oral hearing even though they know for a fact my mail was returned. I have explained that the Garnishment leaves unable to meet basic expenses or pay for the critical medical care I require. As recently as XX/XX/XXXX they refused my right to an oral hearing so that I may explain my hardship, and the circumstances that led to this action. I would like an opportunity to explain my plan going forward for repayment of my student loan debt. 

I, XXXX XXXX, am writing to request that the Department of Education review my request for a hardship reprieve from the Departments garnishment of my student loans. As, I've requested in the previous two garnishment hearings I am requesting an oral Hearing on this matter. I have not been allowed an oral hearing despite repeated request This garnishment poses a significant hardship for me. I am a single Mother of XXXX and am managing a chronic illness while employed full-time. The crushing stress and constraints brought on by the garnishment make it extremely hard for me to afford to take care of my children and afford medical care. 

I have supplied the Department of Education with my expenses previously. My expense have change and the garnishment is a severe hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This account has a lot of inaccuracies, the date of last payment is missing in XXXX and XXXX. Please delete this inaccurate 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 2019-11-10 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: CT

Complaint narrative:
Since XX/XX/2019, I found there are two XXXX XXXX XXXX credit cards accounts on my Experian credit report that don't belong to me, under an address I have never lived at. I have since disputed with Experian. Called them numerous times that they always come back saying information is accurate on their end, and wouldn't remove the accounts or address. I contacted XXXX  XXXX XXXX numerous times. They couldn't find the two accounts under my information. They sent me a letter to confirm it. I sent the letter to Experian and continued to dispute the two accounts. They still come back with results saying the two accounts were confirmed to be mine. 

On XX/XX/2019, I filed report with local police. The detective is working on the matter for me. He told me also file a complaint here.

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 2019-11-10 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: NC

Complaint narrative:
They agreed to accept {$140.00} as payment in full. I oaid them and now they are still saying I owe them {$140.00} on my credit report. The balance is XXXX and the account was settled. I do not owe them anymore money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My husband and I purchased our home XXXX with XXXX XXXX XXXX with a 30 year mortgage. 
We refinanced out home in XXXX with XXXX XXXX with a 15 year mortgage ( 180 months ). 
It was then sold or transferred to Option One Mortgage Co. in XXXX ( showing a 30 year mortgage? How can his be? We never signed off on loan in the amount of {$100000.00} and in looking at the HUD its shows that they paid a company the amount of {$270.00}. No way would we have refinanced for this amount.THIS is where the problem started.The loan # XXXX It was the sold or transferred to Ocwen XXXX account # XXXX, this company name changed to Homeward Residential Account # XXXX. 
The next company was sold to XXXX XX/XX/XXXX ( now XXXX XXXX as of XX/XX/XXXX, the account # with XXXX was XXXX. 
This was a constant flip flop.I see individuals account go into a bucket and companies just grab. Well with all of this I decided to refi with XXXX XXXX Account # XXXX XX/XX/XXXX. By now You know what happened? Oh yes it is now back with XXXX as of XX/XX/XXXX Account # XXXX. 
The next question you are asking is what have we been doing to straightened this out? 
We have been with 4 Attorneys to no avail. The most resent Attorney says the unable to verify whether our signatures were duplicated and referred me to you. So I guess this is the last result.I have sent letters to all involved. No response from XXXX.The ones received are attatched.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: MI

Complaint narrative:
I found a fraudulent account on XX/XX/XXXX, for XXXX XXXX  XXXX XXXX XXXX. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my Experian credit monitoring that Experian dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by XXXX until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX employee and have to maintain good credit. This could negatively impact my job. XXXX has not responded at all, and I have two other XXXX accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and XXXX  as well as the credit bureaus should be held accountable for their actions.

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
Consumer complaint received 2019-11-10 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Target agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NC

Complaint narrative:
XXXX  agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember the exact dates but my credit limit was XXXX i had attempted to pay XXXX to my credit card but they kept charging a card that i didn't have and when i tried to dispute it with them so they charged the right debit card they shut my card off and then added all these fees i don't owe i tried to pay off my card they refused to work with me and closed my credit card acct with them so i am disputing that i do not owe them almost XXXX they wrongfully closed my acct

Company response to consumer: Closed with explanation