vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Care, LLC
State: TX

Complaint narrative:
I was informed by Student Loan Care , LLC that I would be able to get some forgiveness on my student loan Id i signed up with them. I have do t research and recently learned that this is a scam and would like to report/freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX I sent a dispute for debt. 30 business days later on XX/XX/XXXX I sent a request for verification of debt to be sent to me and it came back from all 3 credit bureaus that the debt was validated without documentation. Also, there was a {$19.00} payment that was made unknowingly by who after I sent my 1st dispute in, seems as if it was an attempt to keep activity on the account. The company is Exeter Finance Corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX date opened XXXX credit card amount XXXX XXXX XXXX XXXX   opened XX/XX/XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX for {$5400.00} XXXX XXXX charge card {$5000.00} and many others places in my Experian credit file action I put fraud alert that about 7 years ago for problem identity thieft I submitted my ID, SS card, driver license water bills electricity bill, police report and all evidence requested, and the problem never stop. 
now I request frozen my file .I receive a call from XXXX XXXX from XXXX XXXX XXXX XXXX program XXXX that their can fix my according to pay a sum of money she got y information from Experian. 
I request a permanent frozen my credit file. and clean my file

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 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I have paid the original creditor the full amount of the debt

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 2019-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I have tried to resolve this debt but was advised that this is now with their attorneys thats threatening wage garnishment and over {$500.00} in fees. I just started hearing from this company that I got a loan from in XXXX a couple of months ago and Im not left with any options and an enormous fee from lawyers. I also am requesting the account summary for the entire loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Nationstar mortgage incorrectly reported that I missed over 6 mortgage payments in 2016. I only missed one payment, due to there incorrect information while I was waiting on final approval on a harp loan modification. They advised me that one missed payment was acceptable and that it would not affect my credit. I later discovered this to not be correct, and they continued reporting it as if I had not made payments. That was wrong, and they have not corrected the mistake to this date. I did miss one payment, but only because they did not have all the necessary paperwork completed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In 2013 a man named XXXX XXXX opened up multiple personal loans with XXXX, XXXX XXXX, XXXX XXXX and used my Citi Card and gained personal access to funds using my name. I later found out and filed a police report ( Which I still have ) AND Sued him out of court. This has STILL messed up my credit report. I make over {$150000.00} per year with a w2 and a great job. This is ruining my chance at buying a house, etc. All I want is for these " closed account '' to be removed from my credit report.

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 2019-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
This is our second formal complaint with the CFPB regarding Shellpoint Mortgage Servicing. We purchased our home on XX/XX/XXXX. The builder bought the house next door to our home, and built our home on the existing plot of our neighbor 's home. The city did not separate the plots until a year later, and we were instructed to " work it out with our neighbors '' We paid the city directly for our taxes and split the cost with our neighbor until the parcels were split. We worked with Shellpoint directly during this process but they continued to pay the taxes on our neighbor 's plot. We continued to pay the city directly for our property taxes in XX/XX/XXXX and for the first quarter of XXXX. XXXX XXXX XXXX XXXX, XXXX notified us in XX/XX/XXXX that we owe Shellpoint {$680.00} for payment that Shellpoint made to the City of XXXX and we have been paying XXXX XXXX directly in 4 monthly installments. All bills and correspondence with Shellpoint and XXXX XXXX is attached. We have asked Shellpoint to do an escrow analysis because they have continued to build our escrow account and we are paying both taxes and hazard insurance directly and Shellpoint has not used our escrow. They are also requesting to increase our escrow bill from {$460.00} to {$510.00} because they don't have enough escrow to pay our taxes and hazard insurance ( which they have never paid since we bought the home in XX/XX/XXXX. Attached are our documents. We have tried repeatedly to talk with a tax/escrow representative and the customer service agent will not transfer me. They told us it takes 30 days for someone to respond. We have received several canned letters that explain that they are working on our issue as soon as possible. We would like an explanation of why we owe Shellpoint {$680.00} paid to a third party tax service, why they are increasing our escrow when we should technically be receiving a refund for a surplus, and why they just can't get this right after 2 years. 
Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I removed their authorization to call me FOUR months ago! I have repeatedly told them NUMEROUS times that they have NO authorization to call me or ANY number associated with me. They are calling daily FOUR to FIVE times a day. In addition to this XXXX credit card account, I contacted synchrony and digitally told them they had NO authorization to call me on ANY account and to stop all calls back in XXXX. They had stopped for a bit but started again. I have had at least 120 calls since mid XXXX. I now will not be satisfied with anything less than {$1500.00} for EACH call because they are robocalls and they are leaving robocall messages on my phone. They have even closed my account even though I paid them {$220.00} in the last 30 days.

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 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
they send me a statement of my called bill? and they DIDNT send me a HIPPA release form that I approved of and that is illegal of them to do .I demand they delete that debt out of my credit report from all 3 credit bearus from XXXX , XXXX , and XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Credit Service, Inc
State: OK

Complaint narrative:
On XX/XX/2016 I went to court and the judge only gave XXXX XXXX XXXX possession only and XXXX   for rents. They placed on my credit report that I owed {$1900.00} which is not correct. The judge only gave them possession only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Unknown merchant charged my XXXX card. I called XXXX twice and sent form once to XXXX about this. XXXX can not identify merchant. On first call they gave name and phone of a merchant but merchant did not recognize this charge ( and they are out of my state ( I am in Illinois, merchant called in Arizona ). 
Second call to XXXX - gave another merchant name but XXXX claimed they have no phone number of merchant. I wrote merchant but no response. 
I expect that XXXX should have full correct name, address and contact phone for all USA merchants. 

XXXX refuses to resolve dispute or credit my account unless they cancel the card and reissue. I do not want this due to many valid merchants have authority to charge existing account. I expect XXXX should resolve and contact merchant which they refused.

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 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
The company send a letter post XX/XX/19. After another company try to cottect and fail thank to CFPB ... They sold the account to FirstPoint Collection. Within 30 days I send a certified dispute letter asking for a sgned contract that verfyingthat it belong to me. [ See L1 ]. They sended me a reply letter with no siginature. [ See L2 ]. i send a second certifed [ See L3 ]. They foller up with the same statement but a different letter once again no sign contract [ L4 ]. From the date of there frist letter XX/XX/19 to the last XX/XX/19 that 16 Days. 
I send my first letter on XX/XX/19, I had to the around the XX/XX/19 to respond. The send the second letter on XX/XX/19. I send me second letter to them on XX/XX/19. On XX/XX/19 they send me a third letter. It was reported on my XXXX  between XX/XX/19 to XX/XX/19. Not given time to respond to the third letter. So am contacting CFPB.The law states I have 180 days on medical collection bfore reporting. And also First point collection changed the amount to XXXX dollars according to XXXX. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
South Carolina .Hi, This is regarding fraudulent activity of credit card dispute with Kohl 's. We are charged with XXXX , and we didn't use the credit card. We reported to Kohl 's customer care 5 times and to credit bureau 2 times but still issue was not solved.Upon that we are even charged with interest rates. Please help us regarding this. We are in hopeless situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XX/XX/XXXX my wife and I financed a purchase at XXXX XXXX. The financing was through Synchrony Bank. This was a no interest loan as long as the card was paid off within a year. I set up a schedule of auto payments to pay the card off by XX/XX/XXXX. The card was never used again. I logged on to my account late XX/XX/XXXX to find that a charge / fee from XXXX XXXX XXXX had to be applied to my account monthly starting XX/XX/XXXX. I called Synchrony Bank about the charge / fee. I was told that I would need to dispute the charge with the 3rd party XXXX. I told them this was a fraudulent charge but they just pushed back and stated they would not remove the change an insisted that I must deal with the 3rd party. This is an obvious scam conducted by Synchrony Bank. I am assuming they have a financial interest with this 3party. A quick internet search will show plenty of others experiencing the same scam. I am assuming that I will eventually remove the charge. Synchrony Bank has made the process of removing the charge difficult and capitalizing on the fact that most people will just pay the charge or not notice.

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I received my first phone call from Citibank notifying me I had not paid a Home Depot charge. The Citibank employee ( XXXX ) investigated and found that I had not paid for a part that was ordered online in XX/XX/XXXX. 
I explained that I had not received a bill and she notified me that I had signed up for paperless billing. I would beg to differ that I also signed up to receive a paper copy as well however they did not have a record of that process. I was connected to a supervisor, XXXX at this time. 
XXXX stated I owed {$140.00} and I asked for a decrease and Citibank decreased the amount by {$37.00} which left a balance of {$110.00}. I also explained to XXXX the situation and that I had inadvertently missed the emails and they could not re-send what they had emailed me now. I said this sounds " fishy '', explained that I had an EXCELLENT credit score and pay my bills! So I paid Citibank {$110.00} on the phone. 
Now, I am looking at my credit score and it has dropped to " very good ''. I think this is un

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc.
State: TX

Complaint narrative:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XXXX/XXXX/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 explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated 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 explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated 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 explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I've repaired credit score to XXXX. Applied for department store card who uses same ( XXXX ), and paid off credit debts, yet U still got my Application Denied!! Filing a Federal Lawsuit against U,, XX/XX/2019. Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation