vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America comitted fraud in establishing my mortgage. I filed a complaint and a representative named XXXX XXXX responded with a number of lies I have reached out to him on 7 different occasions and he has refused to return any of my calls.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank has been 3 months on changing my payment date and every time I call since XXXX it's been one run around after run around with request of payment change of date. Capital One Bank every time I call they claim that the request was just put in. Change my request in XXXX every time it's the same old story as it's games with capital one bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
Hello.I got today letters from XXXX XXXX XXXX.They did not cash a check and the sendt double payment of mortgage on XX/XX/2019.I would like ask them why both documents dated XX/XX/2019 i got tooday XX/XX/2019.Both letters were send one day after my complain to CFPB?? 
See copy.

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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I've communicated with Portfolio Recovery several times regarding the alleged debt ; whereby I informed them the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Debt of a repossession from ford motor credit was paid and the attorney that handled the case promised the debt would be deleted from my credit report once paid in full. I would like it deleted from XXXX, XXXX, and XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
Nexis Lexis reported to my new insurance company XXXX XXXX that I had two auto accidents on XX/XX/2019, and XX/XX/2019. But I had only one accident on XX/XX/2019. XXXX XXXX passed the buck and gave me the phone number for Lexis Nexis and NO ONE answers the phone, or I am put on hold for hours. After disputing by mail and asking for my report. I am paying more in insurance because of the fraudulent reporting of Nexis Lexis. I also sent XXXX XXXX and Lexis Nexis my  Florida driving record and still was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America
State: TX

Complaint narrative:
FINANCIAL CORPORATION OF AMERICA HAS CALLED MY JOB ON SEVERAL OCCASIONS AND I HAVE ADVISED EACH TIME TO NO CALL MY JOB AT XXXX BUT STILL CONTINUE TO CONTACT ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank change of payment date has been going on since XXXX every month they claim I they cant find I requested a change of billing date to XXXX th of the month as stated by the rep.Every time they claim the rep did not put it in as change of billing date. Capital One Bank has bad customer service no confirmation date and every time you call them its a new story on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: GA

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there. 

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Paid the debt in settlement and capital one auto finance promised to delete when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Fedloan Help
State: CO

Complaint narrative:
Hello, I am trying to certify my public service for loan forgiveness. I work for my Town XXXX XXXX in Colorado Since XX/XX/XXXX. I have applied XXXX, XXXX and XX/XX/XXXX, three times and got three denial letters. I have called in XXXX and XX/XX/XXXX and the customer service says they emailed the request to their supervisor. Nothing. 
Help me please. 
XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-27 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: CA

Complaint narrative:
Experian and XXXX are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) 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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank has had several request to remove all my debit and checking cards removed from there file as payment my personal debit cards and checking account cards and information removed for payment. Remove all forms of payment regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Repeated calls from the below phone numbers before XXXX..some as early as XXXX. Commenity bank XXXX XX/XX/19 - XXXX XX/XX/19 _ XXXX XXXX XX/XX/19 - XXXX I'm sure there were many more times but my phone only holds so much information.. please advise the next step as this continued harrassment and waking up my young daughter when they call is unacceptable. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 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: GA

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there.

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.

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 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I C Systems has not and will not provide me verification that this account is mine, I've requested it several times and to no avail. XXXX  has removed it from my credit report because they could not verify it.

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 2019-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/19 I mailed a dispute to OCWEN Loan Servicing LLC XXXX. XXXX  XXXX XXXX, Tx XXXX it was " Return To Sender Attempted Not Know Unable to Forward '' See attached envelope and proof of mailing USPS receipt dated XX/XX/19 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DCN Holdings Inc.
State: MN

Complaint narrative:
Contracted and paid XXXX to XXXX XXXX to locate and retrieve a judgement amount of XXXX awarded by the court in Minnesota. XXXX XXXX has provided no useful information or services ad advertised.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I applied for the USAA Preferred Cash Rewards credit card on XX/XX/2019 and it was approved for a {$11000.00} credit limit. I chose to have the card expedited and I received it through XXXX on XX/XX/2019. The card couldnt be activated and I spent over one hour on the phone with USAA trying to figure out what the problem was. However, Im still not sure why the card was approved but then immediately closed, despite speaking with five different USAA representatives. Also, I still owe them {$8.00} because I chose to have to card expedited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC added two derogatory mark against my credit report. This is a collections agency that I have no agreement with. After getting an alert that this collections agency had placed derogatory marks on my credit report, I wrote them a letter to dispute said debt. I have yet to receive the letter from them stating, confirming and validating said debt. The letter was written to LVNV Funding LLC in XXXX of this year. We are now in the month of XXXX heading for XXXX. And yet I wait. 

I never received any correspondence from them. I only knew that they placed a derogatory mark on my credit report when I got the alert from XXXX XXXX. 

They did it for two separate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank has had several request to remove all my debit cards on the account and checking account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I was told by a USAA Customer Service Representative that there was a 6 day grade period for payments to credit card accounts. I paid within this grace period. USAA has chosen not to honor this grace period and has instead charged a {$92.00} interest fee to my account and is unwilling to reverse this fee despite having been told that there would be no such fee due to the grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 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: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) 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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITI XXXX SUMMARY OF NIGHTMARE ( XXXX - Current ) Summary : Issue involves Balance Transfers made on XX/XX/XXXX. Because of an error with Auto Pay, the Balance Transfers were paid in full XX/XX/XXXX. On the same date, a stop payment was posted for the full amount. When Balance Transfers were reposted to account, they were erroneously added as a Purchase Balance.

Subsequent Minimum Payments were incorrectly calculated ( {$1500.00} ) and monthly Finance Charges incurred ( {$1000.00} ).

After five documented attempts to resolve, only one correction was made for one of the multiple errors on XX/XX/XXXX. Otherwise, these issues have not yet been addressed or 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 monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I used a Chase Amazon Visa to pay a bill at XXXX, Texas XXXX XXXX. XXXX XXXX XXXX charged my card for {$670.00} ( the bill actually showed total due of {$570.00} ). The Dental office claimed insurance would not pay, and that's why they demanded more money. Later we discovered the insurance company did pay {$570.00}. Chase Amazon Visa was notified that not only was card overcharged, but insurance was paid, to XXXX XXXX XXXX. Requested refund to card from Amazon ViXXXX, and have been refused twice. Chase Amazon Visa claims : " there are no billing errors ''. The Dental office continues to maintain : " insurance did not pay ''. Chase Amazon Visa is  obligated to return funds to my account, as the dental office has been paid twice ( more than twice ) for the same procedure. Chase Amazon Visa has also been presented with proof that XXXX XXXX XXXX did pay the dental office {$570.00}, but will not acknowledge the receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I found a CITI bank card not activated in deceased husband 's old desk drawer with my name on it I was not aware of it. I had my own credit cards. XXXX didn't request it, nor did I. They were the only company who did not write it off. My cards are all deactivated/closed. Either a plant or a premeditated identity theft link to his cr. Line loan.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I disputed several hard inquiries that I observed on my Equifax credit report & after EQUIFAX completed their investigation, EQUIFAX mailed me a credit report confirming the inquiries I disputed were investigated and determined to be deleted from my credit report. Unfortunately I recently received a copy of my most recent credit report and observed that EQUIFAX reposted the hard hit inquiries that they told me were removed after their investigation was completed. This is a violation of the FRCA. EQUIFAX failed to notify me of the reposting. The following are the inquiries that were disputed and removed then posted again by EQUIFAX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, I am still waiting for EQUIFAX to remove additional hard hit inquiries that I don't recall authorizing because they have failed to provide me any documentation that confirms I authorized the inquiries and they are : XXXX XXXX XX/XX/XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

I also observed 2 hard hit inquiries conducted by XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX XXXX XXXX & spoke to XXXX ( I.D . # XXXX ) & was informed that Equifax was going to be contacted for the inquiries to be removed immediately. I am requesting confirmation from EQUIFAX that they were contacted by XXXX XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation