vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor " Capital One '' the remaining balance before it was sold to XXXX XXXX XXXX XXXX. 

account number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXXXXXX  Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN 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 non-monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: OH

Complaint narrative:
I am writing to dispute a billing error in the amount of {$1500.00} on an XXXX XXXX XXXX statement sent from XXXX XXXX XXXX. The amount is inaccurate because when the service was disconnected, I sent a check for over {$500.00} that was returned, which was the total amount due. The service was off, and from my understand there was only the amount for the next month owed that was not {$1500.00}. Im not sure why the account kept being charged after it was not on. I paid the check through a collection agency, and this amount was never credited to the account. I was sent a bill, not an itemized statement explaining the charges. This account has been disputed before, but for some reason this company added it back on my credit report. 
Enclosed is a copy of the bill that was sent to me from Afni. I do not owe this amount. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
I have been receiving at least one sometimes two calls a day from a company called Rev One Solutions. They have changed their number from a local area to XXXX. They continuously call. Sometimes it 's a real person but mostly a robo call with a prerecorded message. I told the woman who I spoke to NOT to call again. The latest phone call I received was at XXXX this morning ( XX/XX/XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I contacted Experian to put a security freeze on my account in response to the XXXX breach. A few days following my request, Experian lowered my Fico score 23 points. It does n't seem right, that while there were no changes in my financial history or performance, Experian would damage my financial reputation merely because I asked to have my credit information protected. I learned about Experian 's action on XX/XX/2017. They have no vehicle for addressing this type of action internally. I requested the credit freeze around XX/XX/2017. XXXX 's webpage to sign up for the credit freeze stated that they would notify the other 2 credit bureaus of the freeze - so they have damaged my financial reputation with other companies as well.

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 2017-11-01 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: MI

Complaint narrative:
The company is Sears credit card service.I initaited a purchse to a company called XXXX XXXX to a XXXX XXXX XXXX for service with my idea I paid {$100.00} on XX/XX/XXXX and than {$590.00} on XX/XX/XXXX. According to the contract, I had 3 days to cancel my contract and get a full refund. I decided I did not want the service and felt uncomfortable with there service and called within 3 days and asked for a refund on XX/XX/XXXX I sent out an email and called no answer so I also left a message I contacted Sears credit card service because I used the credit card to pay for the service and they tried to contact the merchant as will after not receiving a response they issued me a temporary credit. About two months later Sears credit card company reversed the credit and charged it to me for lack of information. I then sent them the receipt and email attempting to contact the merchant by fax and email. Sears stated they never got my email and than they are still saying they need more information from me after I sent them the fax and all the necessary docments. I would like my credit back on my account I hope you can help thank you.

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 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Thes inquiries i did not authorize on have knowledge of my transunion credit report need to be deleted. XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX/XXXX on XXXX-17,  XXXX/XXXX  on XXXX17, and XXXX XXXX on XXXX-17.

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 2017-11-01 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: ERC
State: TN

Complaint narrative:
Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. 

I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. 

I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. 

I believe fraud has been committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXX , IN 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 non-monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I found wrong personal information in my annual credit report, they are : one wrong telephone number and 4 wrong addresses under my personal information Tel # XXXX Address 1 : XXXX XXXX XXXX. XXXX XXXX XXXX , MO XXXX Address2 : XXXX XXXX XXXX XXXX , WV XXXX Address 3 : XXXX XXXX XXXX XXXX XXXX , AR XXXX Address 4 : XXXX XXXX XXXX XXXXXXXX , IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I purchased my home in XXXX of XXXX for an amount of XXXX through XXXX XXXX XXXX. Since the purchase of XXXX I have had 4 different loan companies acquire my loan and the current loan company is Ocwen Loan Servicing. I fell behind on my mortgage back in XX/XX/XXXX and brought it to current on that year. In late XXXX, Ocwen offered a loan modification which never went through or they did not honor. I maintained the monthly payments of approximately XXXX for about 7 months until they abruptly stopped accepting them around XXXX of XXXX. I asked why the payments were not being accepted and never got a clear explanation. Ocwen then again offered me another loan modification which put on a 3-month trial which would have ended in XX/XX/XXXX. I made the trial payments but when I went tried to pay online, the monthly amount had changed drastically from XXXX ( approximately ) to over XXXX. I am a victim of a predatory loan for which I have paid over 10 years and as early as XXXX XXXX, my XXXX loan has turn into a XXXX with Ocwen as the worse of them all.

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 2017-11-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased an XXXX XXXX XXXX filter on XX/XX/XXXX. It was {$560.00}. I paid extra for delivery by XX/XX/XXXX. The amount was charged to my Amazon card. The air filter was never delivered. I called to cancel. I was initially told that Amazon could not refund me the amount until the " carrier '' sent the item back to them. I told them the Amazon website says the filter was never sent to the carrier for deliver to begin with. Two ( 2 ) customer service representatives on different occasions told me the charge was removed from my account. As of today, the charge is still on my account accruing interest. I attempted to engage in a chat online to resolve the dispute and the customer service representative ended the chat saying I had to file a disputed charge. Amazon continues to charge me interest each month on this unwarranted charge for an item I never received.

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 2017-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not

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 2017-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
complaint about COINBASE my name XXXX XXXX XXXX address XXXX XXXX - XXXX XXXX XXXX - XXXX account in bitcoin XXXXXXXXXXXX on XXXX of XXXX i deposited XXXX eur to COINBASE deposit account as a deposit to start trading and buying and selling bitcoin. On the XXXX i got an email saying the deposit arrived from a XXXX account. which is correct, i have a private account in XXXX, but apparently payments from there are n't accepted. 

they also said in the same email the funds would because of this reason be reversed to my account within 1-2 business days. 

now on the XXXX of XXXX, still no payment in my account back. 

after 15 days still nothing in my account when they supposedly reversed my payment. 
please can you check i need this money in my account back asap. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.

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 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA will not allow a credit card product change. I want to switch reward programs. They claim that the " Card Act '' will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp
State: MS

Complaint narrative:
I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently ordered my credit report from Trans Union and noticed that there were a few inquiries that I did n't recognize or authorize, XXXX XXXX BA XXXX XXXX, XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an Email from XXXX directly in XX/XX/XXXX, addressed to my name and one of my XXXX card, about the promotional offer that I can earn {$25.00} per card if I add an authorized user and charge $ XXXX spending on that card, and the offer is up to 4 cards ( up to {$100.00} in total bonus ). 

I followed the rules, and added 4 additional cards, met the spending requirements. I got two additional Email from XXXX about the same offer in XXXX and XX/XX/XXXX. In the last Email, XXXX stated that they were experiencing some website outage related to this offer, extended this offer expiration date to XX/XX/XXXX. 

I have waited several months, but still not got the bonus rewards as advertised. I contacted XXXX customer service, but theirs investigation said I personally declined the offer, which is so ridiculous. As I double checked the offer Email carefully, there is no option to decline an offer. The only link within the offer Email is to participate the offer.

Company response to consumer: Closed with explanation