vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-24 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: NC

Complaint narrative:
I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA

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 2017-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them

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 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I recently sent a payment to XXXX XXXX in the amount of {$25000.00}. XXXX never received the payment and when I inquired to my bank ( XXXX ) on the status of the check, I was told it was cashed by XXXX XXXX. I then contacted XXXX XXXX and they have no record of the check being cashed although there is a copy of the cancelled check cashed by XXXX XXXX. Neither bank wishes to take responsibility for the payment/disbursement.

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 2017-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been being harassed with multiple daily phone calls by Navient for the last year or so. I graduated in XXXX and am currently prepping for graduate school which should start next year. I have communicated this to Navient multiple times that I am unable to make payments on my loan right now and am not done with my education, as I am waiting to be accepted to a program. 

I have put my loan on deferment several times, and I am fine with continuing to do this, however I need them to stop calling my phone multiple times daily. I have requested multiple times they communicate via email or actual mail and this is a form of harassment. I will pursue legal action against this company if they do not discontinue the phone calls immediately. They call from a different phone number every time, and sometimes when I answer the calls it says " please hold for the next available agent '', so I know they are using an autodialer to call me. 

I have gotten 6 phone calls TODAY alone, and my next loan payment is n't due until XX/XX/XXXX! That is not for over 3 months! LEAVE ME ALONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Last year I called Synchrony bank, I was trying to log on and find out about a bill that I have just received, apparently, I unknowingly applied for it through an offer when checking out of Amazon to get a discount. Therefore, I called Synchrony Bank when none of my information could get me logged into the system. After speaking with the customer service, I paid the card off and I asked that she close the card at that time and she told me once the payment was made the account would be closed. 

XXXX 2017, I received another bill and I had made any purchases, I called them again, Synchrony Bank and spoke with a representative, she pulled up the old records saw the old notes acknowledged what happened and that the bill was paid, and said that if this bill was due to the interest. I ask interest for what? the bill should be paid off. I still can log on to this account, I paid it and then sent me a letter which I have missed placed saying that they will remove from the credit report and closed account, now the bill is up to {$240.00}. I have also put in a disrupt on my credit reports. I get a new bill and almost set up a payment until I saw the credit card number, then I canceled.

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 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX I received a letter from States Recovery Systems , Inc., purporting to be collecting debt that I owe to a third party company. However, the letter was fraudulent. I encourage you to pursue this company and stop them from attempting to defraud others. 

Here are the details of the case. The letter that I received stated that States Recovery Systems was attempting to collect a debt in the sum of {$1200.00} from XXXX. XXXX is the phone carrier that my wife and I use for long distance. I had recently tried out a mobile phone that they offered, but I returned it to CREDO in XX/XX/XXXX, before the end of the trial period, because they do not have good coverage in the neighborhood where we live. On receiving the letter from States Recovery Systems, I contacted XXXX to verify that I do not owe any debt to them. The representative who I spoke with confirmed that this was true, and that the letter from States Recovery System is incorrect. 

When I searched for States Recovery Systems on XXXX, I found numerous reports of other customers whom the company had attempted to defraud. It appears that the company has a pattern of pursuing people for nonexistent debt. I fear that my age ( XXXX ) may have made me a target for this scam. Companies that go after the elderly with fraudulent debt collection schemes deserve to be prosecuted to the fullest extent of the law. I am happy to contribute any other information that you might need in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: GA

Complaint narrative:
my issue is more that the category than I selected. but I mailed the credit bureau a certified letter after disputing online and incorrect accounts came back verified. In this letter I asked to be mailed a copy of what they have in their system to show what they are using to verify and validate that the items I have been declared incorrect, correct. Instead, they sent me a copy of my credit report and denied me my right per FCRA. this is against the law. Below I have the issues that I asked to be corrected. 

2 Inquires- XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX.-XXXX Paid Never Late ( but they have 1 late  payment listed ) XXXX XXXX Account shows late payment when acct should have been in deferment due to being in school at XXXX XXXX XXXX XXXX XXXX account does not belong to me and has been removed off of XXXX and XXXX. Experian has not removed account after mailed follow suit letters

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 2017-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was recently pre approved for a kohls credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by XXXX either this company Koh'ls is lying  that they checked my credit report or they were given false information on me by XXXX XXXX I would simply like for this Inquire to be removed or be sent a report of information provided to Kohl 's . Application # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
I am being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX County First District Court. As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. 

They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX New Century Financial Services Inc. 
I answered their complaint on XX/XX/XXXX asking for debt of ownership and proof of debt. 
After that, I have not heard anything from them or the court till XX/XX/XXXX then the court asked my income. When I went the court to see all the files in the case folder, I have seen they obtained default judgment against me on XX/XX/XXXX. The reason they could be able to obtain the default judgment is because I was not aware of the hearing so I never showed up to the hearing. 

I disputed all claims and complaints against me officially by writing an answer by filing with the court on XX/XX/XXXX. 

Till today I have written 3 more answers/ questions and filed with the court. In all of my responses I have asked them to provide me the debt of ownership, the credit card agreement and debt validation. They could not provide me any tangible proof regarding any of these requests. Yet this court proceeding is still ongoing. 

I have seen that CFPB fined plaintiff and the creditor for similar reason that I am suffering now. 

https : //www.consumerfinance.govXXXX I would like to inform you that they are still doing and continuing their unlawful actions. 

I am ready to accept any help you may offer in this matter.

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 2017-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
letter dated XX/XX/XXXX from XXXX XXXX is another lie again this accoun cliam that was filed in XXXX about atm card ending on XXXX was closed on XX/XX/XXXX and I never recieved a new card specially ending inXXXX. This claim was filed and on XX/XX/XXXX you approved the claim and stated the credit for {$1800.00} was permanent however I also contacted the bank and explained that whom ever did all this fraudelent was the same peson who withdrew on XX/XX/XXXX a {$600.00} tlr counter withdraw with license and a debit card ending on XXXX and on XX/XX/XXXX a counter withdraw of {$2100.00} and another for {$1.00} on same date with same identification. what bother me is the fact that the bank never consider the fact that I spoke to them and the claim included those counter withdraws with my license and the debit card ending on XXXX. I never had that debit card period and futher more based on the letter you sent dated XX/XX/XXXX stating that this fraud that took place had to be reported to the bank within sixty days claim # XXXX and that the claim was outside the time period this claim was initiated by the bank and use the 60 day to denied the claim to get away with it. HERE IS WHAT MY ATTORNEYS HAVE SAID IF SOME ONE USE THE XXXX DEBIT CARD AND THE BANK AGREED ON XX/XX/XXXX THAT THE ACCOUNT WAS USED BY SOME ONE AS FRAUD AND AGREED THAT THIS WAS FRAUD AND DID THE PERMANENT CREDIT HOW IN THE WORLD DO THEY NOT AGREE THAT THOSE WITHDRALWS WERE ALSO FRAUDELENT AND NOT MADE BY ME SPECIALLY IF THERE WERE NO FORM OF CONFIRMATION # XXXX ON THE ACCOUNT SPECIALLY IF A DEBIT CARD THAT WAS USE ENDING ON XXXX THAT WAS NEVER MINE OR NEVER HAD THAT DEBIT CARD AND NO INDICATION OF ANY TYPE ON THE STATEMENT AT ALL OTHER THAN IT WAS A TLR COUNTER WITHDRAW AND I COULD VERY EASILIY TRANSFER ALL AMOUNTS TO MY OTHER CHECKING ACCOUNT THAT HAD BEEN USE TO TRANSFER ALL KINDS OF CREDITS TO THE XXXX ACCOUNT.Ii CALLED AND REQUESTED COPIES OF THE CLAIM AND THE COPY OF WHOM EVER I SPOKE TO REGARDING THE 3 WITHDRAWS THAT TOOK PLACE ON XX/XX/XXXX AND XX/XX/XXXX. THE BANK HAS BEEN TRYING TO GET AWAY WITH WHAT HAS TAKEN PLACE. SPECIALLY IF ALL IF ALL I NEEDED TO DO WAS THE TRANSFER AND CERTANLY NOT ON A TLR COUNTER WITH A DRIVER LICENSE AND DEBIT CARD THAT I NEVER HAD AND IS THE BIGGEST LIE THAT HAS TAKEN PLACE ON AN ACCOUNT THAT WAS DONE FRAUDENTLY AND APPROVE BY THE BANK. SPECIALLY IF THE BANK WAS THE ONE WHO CLOSED THIS ACCOUNT SPECIALLY WITH A {$2100.00} AND ANOTHER FOR {$1.00} ON SAME DATE. THAT IS CRAZY AND THAT IS WHY MY LAWYERS ARE VERY INTERESTED.

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 2017-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hi I own a home with Ocwen and i have mailed several several Loan Modification documents to Ocwen and no one got back with me. Then about 3 months into it they decided to give me a relationship manager whom according to our discussion was going to get me a loan mod, but he came back to me and stated that he will give me a payment plan and i was advised not to make a payment plan until i heard from him. Well i never heard from him and later i continued to apply for a loan Mod and still nothing from Ocwen, about 2 months ago i got a letter stating that i will be foreclosed and i called Ocwen and at that time was given another Relationship manager who called me on day before XXXX telling me my mortgage has now basically doubled in price for the next one year. 
They are basically forcing me into a repayment plan that is double the monthly payments. 
I find this solution during this difficult time of my life to be preditory and unreasonable. 
I need help and a modification not for it to double and now i am stuck and dont know what to do and where to go. 
I have lived in this home for the last 14 years, I am a responsible home owner. I WANT to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was recently pre approved for a XXXX credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by Transunion either this company XXXX is lying that they checked my credit report or they were given false information on me by Trans union I would simply like for this Inquire to be removed or be sent a report of information provided to XXXX XXXX XXXX Application # 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 2017-11-24 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: FL

Complaint narrative:
I have mailed 3 separate letters requesting EXPERIAN to validate accounts listed as XXXX, XXXX, XXXX, and XXXX XXXX. With those letters sent ... I included notarization for every single letter along with copies of my identifications. I also mailed all of those via certified mail as evidence. 

However, Experian has failed to verify those items as I have not received any documentation with my signature on it. Every time I receive a generic response from Experian saying that they have already verified and that they will not reinvestigate this matter. Yet I dont have any verification as proof. 

I sent letters on the following dates to EXPERIAN : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, EXPERIAN basically responded with a Credit Report copy without any changes. I will attach the last response they sent on XX/XX/XXXX. 

I spent money multiple times on Notaries and in Certifying Mail services trying to resolve this with EXPERIAN.

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 2017-11-24 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover continues to violate the FCRA, I am using this platform to both file additional disputes against Discover card and documentation for litigation which seems to be a certainty. 
On XX/XX/XXXX, I wrote a letter informing Discover Card that all charges for an account in my name ending in XXXX was the result of IDENTITY theft. I followed the steps provided by the FTC website and provided all identifying information. I also requested all communications to be in writing via my email address, USPS or XXXX XXXX. to insure accuracy and ability to document all communications. In defiance of Congress and well established law, Discover willfully rejected my claim without any sort of investigation. 

On XX/XX/XXXX. After 6 days past and Discover continued to call 2-3 times every single day and the fact this tradeline had not been deleted or blocked from my credit report as required by the FCRA, I wrote Discover again, this time using the forms provided by the FTC website and providing all the necessary documents including my Identity Theft report, the FTC affidavit, copy of an AFFIDAVIT OF IDENTITY. I was specific and polite. In my CFPB complaint, I asked Discover to CEASE and DESIST all phone calls. 

On XX/XX/XXXX I wrote XXXX , XXXX and XXXX informing them the Discover Card ending in XXXX was the result of Identity theft and requested for the entire tradeline be deleted from my credit reports as required by the FCRA. I sent my written notice, claim and affidavit by CERTIFIED mail to XXXX, XXXX and XXXX. The three credit bureaus mentioned forwarded the request to Discover on XX/XX/XXXX. 

Astonishingly Discover again denied my direct claim and denied the claim from XXXX, XXXX  and XXXX. Without a reasonable investigation. Unless of course Discover claims they conducted a reasonable and thorough investigation in 1 day. Discover continued to call me 2-3x every single day. 

According to FCRA 15 U.S.C. 1681-1681y, specifically 15 U.S.C. 1681s-2 After receiving a dispute Discover MUST conduct a reasonable investigation, if the consumer is not satisfied with the resolution, upon request Discover MUSt provide every detail of the investigation to the consumer. 

On XX/XX/XXXX I filed another dispute with the credit bureaus, by certified mail. XXXX, XXXX  and XXXX all received my dispute on XX/XX/XXXX and XX/XX/XXXX. One day later Discover denied my request for a third time, without any proof of an investigation. 

On XX/XX/XXXX I filed a complaint with the CFPB claiming Discover is willfully refusing to conduct a reasonable investigation, and refuses to provide me with the UNREDACTED file of any relevant information that may have lead to their UNINVESTIGATED DECISION. Again a requested Discover to stop calling me. The last call I received was on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 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:
Requesting Equifax, XXXX XXXX, and XXXX to stop reporting incorrect information on my credt report!

Company response to consumer: Closed with explanation