vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has allowed I believe 9 credit cards to be opened in my name over the course of 9 years due to identity theft. 
I had to sue them twice back in XXXX and XXXX for accounts that upon receiving a valid police report and identity theft report, they still claimed it was mine. Upon sueing them, after their 7th investigation, it magically turned out it wasnt mine as i was stating all along. They settled those and the federal lawsuit was withdrawn regarding FCRA Violations. 

Here we are again, in XXXX apparently more identity theft linked accounts opened. I sent the police report and identity theft affidavit to them, and i got the response that it was mine. I sent it 6 months straight and got 6 straight answers. Finally after sending notice of claim for a lawsuit to their ceo and presidents office, they conducted an investigation in XX/XX/XXXX and in XX/XX/XXXX, it was determined that infact, those accounts were NOT mine. They have for a third time violated my rights under the FCRA. 

I want to seek actual damages, statutory damages, treble damages and punitive damages as capital one seems unwilling to obey the law and properly negotiate and compensate me for their repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: FL

Complaint narrative:
American Express claims I have missed a payment when I submitted the payment one day before the due date. They should not have reported this falsely thus negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased a smart tv, when I found a great deal at XXXX XXXX. I found their advertisements to work really good for me. 
Sign up for zero % interest for 24 months and get an extra 15 % off XXXX XXXXSynchrony Credit Card. 15 % credited back to your credit card. 
I have called, and I have emailed this credit card comapny they told me it would take a few payments to give this 15 % credit. I purchased this tv XX/XX/XXXX! 
My last contact with this company was to both XXXX XXXX XXXX and Synchrony Credit Card XX/XX/XXXX and XXXX, XXXX. 
I have been ignored and given nothing but the run around. I still haven't heard anything from either company since!! This is totally unfair and fraudulent. 
Please help Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Mi 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 monetary relief
Consumer complaint received 2020-01-21 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: WY

Complaint narrative:
Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, In XXXX FedLoan did not receive my updated annual income information during the recertification window for my income-driven repayment plan because I missed the deadline. As a result, the interest on my two student loans was capitalized. I have student loans from attending XXXX  XXXX XXXX from XXXX. {$51000.00} was capitalized on my unsubsidized loans and {$6800.00} was capitalized on my subsidized loans. At an annual interest rate of 7.63 % that equals approximately {$4400.00} more interest every year. FedLoan said they mailed a letter notifying me of the re-certfication deadline/window. I never received it. They said they sent an email. I did not receive it. I asked why they didn't call or send a certified letter. They have not answered. I've asked for a copy of the Communication Log for my account showing the email was sent. I have not received it. I have paid on time for 9 years. I think it's a simple mistake, and now it will cost me approx $ XXXX of additional interest over the next 15-16 years. I feel denied Due Process. A simple phone call could have notified me. A simple voicemail if I did not pick up. A second letter in a brightly colored envelope, etc. So many practical options to get a borrower 's attention. I have asked them to reverse the capitalization. They have refused. I spoke to many different reps and received inaccurate information about repayment plan options. I also would have hoped they would have told me about the REPAYE Program when my interest capitalized without me knowing in XXXX. Instead, I discovered REPAYE Program in XX/XX/XXXX and enrolled. I eventually hired a student loan negotiator. He wasn't able to help. Thank you for your time. I'm happy to answer any questions. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I received a phone call from a XXXX, Fl number this morning ; XXXX. The individual identified himself as " XXXX '' but I had trouble understanding what company he was calling for and what about. He said he was calling regarding a debt on my son, XXXX, from an urgent care visit back in XXXX ( believe he said XX/XX/2019 ). He said my street name and asked me, I guess for identification purposes, my street address. When he mentioned " the bill, '' I said that we'd already paid it. He said that is what he was calling about, that we could go ahead and take care of it over the phone today. Combined with me not understanding him ( phone connection did not sound clear ) and what he was saying or asking, I started to think this was a scam and told " XXXX '' that I would need to call back. He said " ok '' and they would be open until XXXX  tonight. I did a search online for the phone number and did not come up with anything other than one or 2 negative notes that it might be a scam. He also specifically mentioned that I have XXXX XXXX/XXXX  XXXX insurance.

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 2020-01-21 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: WY

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: WY

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-21 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: WY

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2019, my husband and I applied for a mortgage loan through Synovus Bank. At that point we opened an online access to track the progress of our loan. We also submitted the requested paperwork. On XX/XX/2019 I reached out to our contact officer ( see below ) asking for progress on our loan application and received no response. On XX/XX/XXXX, I received a text message from her explaining she was out sick and would get back to me shortly. Still no information was provided. On XX/XX/2019 I texted her again with no response. On XX/XX/2019 I decided to call them and leave a message to her ( XXXX 's ) supervisor. That same afternoon, I received a call from her. At that point she finally sent me an email with information about XXXX XXXX XXXX XXXX XXXX ( XXXX ) and how to register. Upon taking our class this saturday XX/XX/2019 we learned we had to submit a complaint seeing that we feel that there has been a break of communication between this bank and us. There was no further follow up or plan so we can fix or obtain anything else needed. 

XXXX XXXX Mortgage Loan Originator SYNOVUS MORTGAGE XXXX XXXX XXXX XXXX XXXX, Fl. XXXX C : XXXX XXXX NMLS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: WY

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I was born XXXX  and XXXX of my family members from the XXXX are here with me after the hurricane aftermath ( Hurricane Dorian XX/XX/2019 ) .They lost everything and unfortunately there is still no power, water, or basic essentials available at this time for them to live in the XXXX  . The recovery process is slow moving at this time. I am the only person in the house that's working. Even though they are great it is completely out of my budget and costly to help them in their time of need so I am asking for a resolution of loan forgiveness and to clear the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My Name is XXXX I am a XXXX XXXX for 15 years, employment income around XXXX /year My wife XXXX is a XXXX  her income is around XXXX /year I also have a small online business with gross yearly sale around XXXX plus I have 3 rental properties all paid off I do not owe any money on any of them and yearly net rental income is around XXXX the only obligations I have is my primary resident mortgage which is {$1700.00} / month my credit score almost 800 with out any negative issues same is my wife`s credit score. 
I applied for a home equity line of credit from TD Bank on property I own, The property is appraised for XXXX k and i requested XXXX to buy another investment property my application was initially approved and appraisal was sent to property then all the sudden the person was in charge of the case stop answering the phone and I had to contact her manager which she did not like and when she talk to me she was so rude and upset and start ask for non sense documents which I have had already submitted. One of the calls she said do you think I am stupid and she had remarks on my name and my age ( check recorded calls ) all the sudden she calls me so happy that my application is denied because I can not meet my obligations.I felt that was wrong and unfair to be denied with all income listed above i feel i been denied because of my age or origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I RECENTLY RECEIVED NUMEROUS PHONE CALLS FROM COLLECTIONS AGENCIES ABOUT ACCOUNTS I HAVE NO IDEA ABOUT. I EXPLAINED TO THE INDIVIDUALS I SPOKE THAT THESE ACCOUNTS DID NOT BELONG TO ME AS I HAVE NEVER RECEIVED OR SEEKED ANY FORM OF SERVICES FROM THE COMPANIES THEY'RE TALKING ABOUT. I WAS ADVISED TO FILE AN IDENTITY THEFT REPORT WITH MY POLICE DEPARTMENT. I DOWNLOADED A COPY OF MY CREDIT REPORT FROM XXXX AND FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I WAS ADVISED TO ALSO FILE AN FTC REPORT AND TO CONTACT THE CREDIT BUREAUS AND INFORM THEM THAT I AM A VICTIM OF IDENTITY THEFT. I AM VERY CAREFUL WITH MY INFORMATION AND I AM VERY SHOCKED SOMEONE COULD DO THIS TO ME. I HAVE NO IDEA WHO USED MY PERSONAL INFORMATION AND I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT AND I AM TRYING TO RESTORE MY IDENTITY AND PREVENT THIS FROM EVER HAPPENING AGAIN. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX OK XXXX XX/XX/XXXX XXXX XXXX   XXXX / XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX / XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX01 XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: WY

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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