vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I was approved for a Capital One Quicksilver credit card. Per their advertisement on the Capitalone.com website, a one time sign up bonus would be available to new card member ( s ) if you spend {$500.00} within ( 3 ) months of when the card was issued. As of XX/XX/2019 I had spent over the required amount of {$500.00} within the provided ( 3 ) month time frame. When calling Capital One to inquire on the sign up bonus after meeting the advertised requirement ( s ), I was advised that per their disclosure, previous or existing account holders maXXXX not qualify for the sign up bonus. I advised that I have never had a Quicksilver credit card before, and should be entitled to the sign up bonus as advertised. After a ( 5 ) day waiting period, I was called and advised that because I had a different Capital One card, that is being considered as an existing account holder. The Capital One Platinum card does not have any sign up bonus ( s ) or rewards associated with it, it is a completely separate entity. I advised that their disclosure states, previous or existing account holders under the Quicksilver terms, which would mean previous or existing account holders of a Quicksilver card/account, and no where in the terms for my Capital One Platinum card does it say that accounts will be linked, or having the Platinum card will deny me any future bonus ( s ) with the company. I feel mislead by the company into signing up for their Quicksilver card with miss-representation of their term ( s ) and the company is using the fact that I have a completely different card with separate terms as a way to not have to honor their advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
In XX/XX/XXXX, I pulled my credit and saw Smith Rouchon & Associates ( XXXX, MS ) had placed a medical collection on my credit, as of XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX I was never contacted to collect this debt or aware it was bought by them, as I'd JUST made a payment to the OC the day before. I've disputed the collection due to the incorrect amount they are trying to collect more than 6 times to no avail of having it removed from my XXXX  credit file. It has been removed from XXXX  and XXXX. As of today, I still have yet to hear from the CA regarding collection and I won't contact them directly as that would reset the collection date for said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I'm trying to cancel and I am being shuffled around from office to office. Can't get them to cancel. It is almost impossible to cancel DO NOT USE

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 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account number ending in:XXXX  This account is not reporting correctly on my credit report. Right now it's reporting as a collection/charge off on my XXXX XXXX credit monitoring report. It was never a collection account. Please contact the creditor and verify that this account should be reported as never late and paid and full.

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 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
on XX/XX/2019 i emailed and faxed mr cooper my loan modification application and was told by mr cooper that they will not review my application due to a foreclosure sale date on XX/XX/2019 their website does not say that package had to be received 45 days prior foreclosure sale date please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX/XXXX  as well as attach a copy of my credit report. 

XXXX/XXXX  : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.

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 2019-02-19 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: MO

Complaint narrative:
This account was written off by the original creditor after getting my fraud report & police report information. Portfolio Recovery purchased to of the accounts that where on the reports this company was also provided the same information as well as a certified letter but only removed one of the accounts, And placed one one my credit. I have no contract or debt with either company, I have asked Portfolio Recovery for a Wet contract with them or their client XXXX  XXXX to only be sent a copy of a billing statement with no information which is Not proper validation. Validation is a agreement signed between myself & a creditor. I contacted their client which advised me there is no contract someone opened this account online without authorization so they can't provide a Contract or signature. I request this removed from my credit in no more then 10 days of receiving this request again. This is not my account & printed statements are Not contracts or agreements. As stated by the fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and Transunion reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything

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 2019-02-19 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: TX

Complaint narrative:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and XXXX   reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Penn Credit Corp attempted to collect a debt that has been paid in full with the City of XXXX XXXX. The amount that Penn Credit has placed on my credit report is incorrect and also paid in full. They claimed that this account was opened on XX/XX/2016 for the original debtor City of XXXX XXXX, GA. 

I have disputed this with the company as well as the credit bureau and they claim I owe this to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX as well as attach a copy of my credit report. 

XXXX : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Department of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the Dept of Ed/Nelnet as well as attach a copy of my credit report. 

DPED/Nelnet : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
showing inaccurate information on credit report ftc violation and fair lending act filed FTC

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 2019-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I reached out to Navient in XX/XX/2018 because I was having difficulty paying such a high amount {$300.00} per month in student loan repayments and I wasn't making a dent in the balance. I had an additional {$300.00} in other federal student loans. I asked if they had an income-driven repayment plan and they told me no and that the amount paid per month can not change no matter what. 

I called Navient today XX/XX/2018 to ask for help since I am unemployed and searching for work. I asked for a temporary loan forbearance or loan repayment alteration in the amount per month. The employee informed me that I would still have to pay {$160.00} per month even though for the next 6 months to count toward both loands. I already paid for this month 's loan so it wouldn't be much of an assistance. The other forbearance option presented to me was to pay a trust fee of " {$100.00} '' for a three month forbearance. Other organizations do not require a fee for forbearance required to enroll in the program. The information is not clear how to qualify for these programs and what assistance they have for people in need. I have been paying for the student loans diligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MO

Complaint narrative:
Equifax and XXXX  are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
showing inaccurate information on credit report ftc violation and fair lending act filed FTC

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 2019-02-19 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: MO

Complaint narrative:
XXXX and Transunion are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

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 2019-02-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MO

Complaint narrative:
Equifax is reporting late payments on my XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect information is harming my credit score. I have disputed this directly with Equifax and XXXX and still this issue has not been resolved. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: SC

Complaint narrative:
XXXX XXXX still reporting debts owed, XXXX XXXX XXXX Account XXXX in amount of {$140.00} and XXXX XXXX XXXX Account XXXX in amount of {$12.00}. Amounts paid by XXXX XXXX cashiers checks XXXX and XXXX on XX/XX/2019.

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 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have tried contacting my mortgage company loancare or XXXX services for months.Have n't been able to get in touch nobody ever answers.It shouldn't be this hard to pay my payment. I've read alot of bad reviews on this mortgage company.

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 2019-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: UT

Complaint narrative:
Twice in the past year ( the most recent being today XX/XX/2019 ), I have had false collections accounts owned by XXXX XXXX XXXX show up on my credit - usually through XXXX ( but not XXXX  or XXXX ). These 'accounts ' are usually in the   thousands of dollars, and my credit report says that I have made payments to them ( which is false ). I was never notified of these accounts or that they were back-owing, either via phone call, in writing, or otherwise. What's worse, is that they are supposedly for student loans that I never accepted through a school I never attended! 

These debts are not mine, and it is adversely affecting my credit and my buying power. If I had not been tipped off about these accounts by lenders ( who had to turn my applications down because of this issue ), I would never have known that they were even there and adversely affecting my credit scores. XXXX XXXX XXXX is FRAUDULENTLY deceiving people into paying them THOUSANDS of dollars, and they've tried TWICE with me!

Company response to consumer: Closed with explanation