vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
Ocwen # XXXX was listed on my credit report ( last date reported ) XXXX, XXXX and should not have been due to foreclosure date of XX/XX/XXXX. After 7 years, Ocwen should not have reported this debt and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I have accounts that have been opened under my name but are not my accounts

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My credit card account is with Capital One. I have a balance at two different interest rates. Last billing cycle I paid more than the minimum payment due, but Capital One applied the excess payment to the balance with a lower interest rate. I called Capital One on XX/XX/XXXX and they told me I would need to pay the entire balance on the card if I wanted payments applied to the balance at the higher interest rate. Capital One 's policy is in direct conflict with the credit card act of XXXX. All payments above the minimum payment due should be applied to the highest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Yes I went to ATM machine on XX/XX/XXXX Friday I deposited money for me and my children bills food etc that I had withdrawn coming out of on Saturday then the ATM machine malfunctioned and did not post my money to my account I was crying and upset like anyone would me a bank teller walked bye me never stopped to help me she said the the 800 number when I called the bank on XXXX XXXX and XXXX in XXXX XXXX Nevada they told me after I was begging them and crying to please put my money back they told me I would have to wait 45 days to get my money back in the mean time my family has no food gas money for Work school and my nerves are shot all my transactions failed and I have charges not right at all this should have been put back into my account then investigate I was pusished because there ATM machine broke

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I also received a call from a representative at the agency and I advised that the debt was not mine that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have attached a copy of my ID Theft report and letter that was sent to AFNI certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2018, I submitted a credit application to US Bank to obtain a XXXX XXXX credit card. A credit inquiry was done and I was approved for the credit. On XX/XX/2018, I requested a credit line increase for the card and was advise by their rep. that they would consider the request and contact me soon with a decision. On XX/XX/XXXX, I reviewed my credit report and found that another credit inquiry had been executed by US Bank. This action was taken without my knowledge or consent. I would not have agreed to another hard inquiry on my credit report given that stays there for 2 years. 

On XX/XX/2018, I called the bank to complain and ask that the inquiry be removed. I was told by the rep. that the bank has the freedom to initiate a credit inquiry without a consumers consent if it so chooses. I stated that I believe this action violated my consumer rights and should not be allowed. 

To that end, I am filing this complaint in an effort to have this credit inquiry removed from all my credit reports. Your attention to this matter is appreciated.

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 2018-04-23 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: NC

Complaint narrative:
company applied high interest rate. unable to maintain payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GCFS, INC.
State: CA

Complaint narrative:
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a XXXX credit card with XXXX XXXX XXXX with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXX I was notified by GCFS that they had purchased by debt from XXXX XXXX and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by GCFS. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of GCFS. Last week, my bank account at XXXX was levied and GCFS will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with GCFS had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.

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 2018-04-23 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to American Express. You are cows to be milked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
" I have disputed these collections multiple times, which are not mine, and the bureaus have not responded. Sect 609 of the FCRA explains my right to have the bureaus prove these collections belong to me. '' I have disputed these and have been given zero proof that this account is valid and belong to me. I have gotten no paper work on this account and this account has essentially reached it's 7 year Statue of Limitations sunset.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by XXXX and unfair and unjust lending service and standards. XXXX broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on XXXX 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. XXXX had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. XXXX in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a XXXX student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. XXXX sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by XXXX . XXXX had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. XXXX broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with XXXX . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for XXXX at a 4.5 percent rate. In addition, XXXX XXXX loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: MA

Complaint narrative:
I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, Equifax, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, XXXX, and Experian, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies. 

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.

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 2018-04-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In late XX/XX/XXXXor early XX/XX/XXXX, I opened a visa credit card with Wells Fargo bank with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXXI was notified by XXXX that they had purchased by debt from Wells Fargo and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by XXXX. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of XXXX. Last week, my bank account at XXXX was levied and XXXX will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with XXXX had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.

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 2018-04-23 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: VA

Complaint narrative:
My complaint is against a EQUIFAX. I have a credit monitoring account, so I check 3 times a week. On XX/XX/XXXX my credit score was XXXX with XXXX revolving accounts with balances. I pay all of my bills on time ( more than the minimum payment amount ). My XXXX XXXX card was paid in full with {$0.00} balance on a {$8200.00} account. My credit score dropped from XXXX to XXXX. I contacted customer service via chat to no avail. No one could tell me how or why my score dropped. I believe equifax is unethical towards minorities and list credit scores lower than what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to XXXX XXXX. You are cows to be milked.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2014 I went to a hospital for a procedure. An insurance co-payment bill was sent to a collection agency called EOS CCA. I found out and called and paid the collection agency in full with a credit card. Now they show that I owe {$86.00} on my credit report. 
I have been calling the collection agency to remove that from my credit report and they keep saying that I owe NOTHING and the credit reporting company has to fix it.I have contacted XXXX many times through their email and leaving voice messages and no response and no fixing. 
this is very frustrating and these people from the collection agency are rude and not helping. 
Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I received a letter from CBE Group last month ( XX/XX/XXXX ) that said an unpaid XXXX account had been referred to CBE Group for collection and that I owed more than {$450.00}. 

I do not have an XXXX account. Concerned about fraud, I called XXXX for more information and they confirmed I did not have an account and therefore, said it was impossible for XXXX to have forwarded any information to a collections agency. 

I then called CBE Group. They began the call with a " confirmation '' in which they read my address aloud for me to confirm even though I did not give personal information on the call -- not even my name. I don't know how the repesentative knew to pull up my address of why they had it on file. 

I informed a representative that I did not have an XXXX account. She then proceeded to tell me the name/handle associated with the XXXX account, the email address associated with the account and the items purchased on the XXXX account that led to the unpaid balance -- I'd never heard of any of them. 

The representative said they would include this information in their file and CBE Group would " investigate '' and then reach out to XXXX to confirm that this information was true. She said if XXXX confirmed this information, then CBE Group would send a letter back to me to confirm I no longer owned a debt. 

This was not the first time I'd received a letter from CBE Group. The first time I received a letter was a few months earlier but my attorney told me it was a scam so I did not respond. However, after that, I received at least one call from the company. Then I received the second letter ( in XX/XX/XXXX ), which said that if I did not respond in 30 days, that the debt collection agency would assume the debt is valid.

Company response to consumer: Closed with explanation