vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CT

Complaint narrative:
I RECENTLY OPENED A CHECKING ACCOUNT WITH DISCOVER ON XX/XX/2019. I HAVE BEEN MAKING MINIMAL DONATIONS TO MANY CHARITIES. NOW HAVE, AFTER MY RESEARCH LEARNED 3 OF MY DONATION CHECKS NEVER MADE IT TO THEIR RESPECTIVE DESTINATIONS. I HAVE CONTACTED DISCOVER BANK, FEDERAL BUREAUS, CT DEPARTMENT OF BANKING, WHERE I WAS NOW YANKED TO YOU, THE CFPB. 

THERE WILL NOTBE ANY MORE DONATION CHECKS FROM ME GOING FORWARD UNTIL THE THIEVES, CRIMINALS HAVE BEEN ARRESTED, INCARCERATED. 

CONTACT ME IF YOU REQUIRE MORE INFORMATION USING EMAIL ADDRESS IN THE HEADER. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: NY

Complaint narrative:
I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-11-25 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This debts was already result in identity thief and was remove of my report I already rent to the local police already about this the fist company that had this debt was ncc business I made it known to them that I had no dealings with the XXXX XXXX XXXX and after investigat they deleted the account and now this new company pop up with the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals.

Please apply these laws to my accounts

the fair debt collection practices act law 111-203,title X 124 Stat. 2092(2010) fair credit reporting Act (FCRA) 15U.S.C 1681("FCRA")

please removed all this thing on 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 2019-11-25 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/2019, I contacted Capital One as I was unable to access my account and was receiving a message that my information was incorrect, yet I had not changed any of my log on info. I attempted many times to retrieve my account by using the " forgot my username/password '' option but was not getting the emails. It was then I realized that I hadn't been receiving any of my emails from Capital One but I am receiving someone else 's emails. I contacted Capital One and was informed that it was more than likely fraud so they would have to escalate the account for further review and I would receive a call back within 7-10 business days. Two weeks had passed and I had not received a call back so I contacted Capital One again as I was very concerned as I could not access my account. I was told it was still being worked on and that I should not worry about the status of my account being as though it was now past due. I called back a week later to check the status as I was very concerned as I still could not access my account and had received no information to date. I was on the phone for over four hours being transferred from one representative to the next only to be hung up on and of course no one called me back. I called back and requested a supervisor after reaching dead end after dead end with no answer as to what or why this was occurring with my account. The supervisor apologized and stated she would escalate the case again to necessary department and I would need to call in 7-10 days to check the status. I called back again as my account was now approaching the due date for  XXXX as still no access. I requested that a new card be sent out to me as I was hoping I could register a new card and gain access. I was told they could not do that as my account is past due. As of today, I have no answers other than it has been escalated. This isn't affecting Capital One, this is affecting me. My account has not been paid for XXXX and now XXXX because I have had NO HELP in assistance with gaining access to my account. I am sure I have late fees assessed to my account as well as negative credit status being reported on my credit file for something I have no control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Fundling LLC has reported on my credit report as a collection item. I do not have an agreement to pay to that company. I have disputed the debt with the company and XXXX and have been told the debt is verified as accurate nor have I been sent an documentation proving the debt is mine. I dispute this debt and they do not have the right to collect or report on my credit as a debt owed to Midland Funding LLC. I demand they remove from my credit immediatly per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. 

Please apply these laws to my accounts the fair debt collection practices act law 111-203, title X 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
i got a loan with onemain finacial and signed papers for XXXX payment a month. The big manager at the store falsefied documents and made the payment to XXXX a month withouit my signature or my agreement i have several documents to support this claim and i have proof. They committed fraud and violated the truth in lending act. They committed crimes and have ruined my credit and my life. 

I have filed complaint with attorney general office and more. 

They switched docmunets and violated so many laws and federal laws as well. submitting false document to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/XXXX I received a letter to appear XXXX XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by XXXX XXXX XXXX, XXXX ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the XXXX that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX County Superior Court. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).

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 2019-11-25 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:
On Friday, XX/XX/2019 I reached out and called TransUnion twice to ask when only had only one inaccuracy that I disputed been deleted instead of all three. I informed them that according to Section 609, I was entitled to review any documentation and evidence proving these were my accounts. The first representation stated the she was not going to investigate any further and they are not responsible for proving proof to me of how they validated the accounts, when asking for her name she hung up on me. I proceeded to call again and got a representative by the name of XXXX, he told me that there is nothing that he can do to validate that these are in fact my account and file if I needed to file a complaint then I should do just that. I felt extremely mistreated by the fact that the representatives did not want to nor did they take the time to understand that they are violating my right by not validating these accounts and having them remain on my credit report. I need to understand the next steps to take in order to have these negative items that have not been properly validated 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 2019-11-25 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HAMILTON GROUP FUNDING, INC.
State: NY

Complaint narrative:
Started with a debt collection letter on XX/XX/19 stating I owed {$87000.00}. XX/XX/19 debt collection letter stated I owed 3 months of mortgage payments. I called the Collection Agency XX/XX/19 and gave them the check # 's and dates paid and dates they cashed them. From what I am told, Hamilton Group Funding does not keep the mortgages and outsources them. I also had sent an {$80000.00} payment in XXXX to be applied to the principal.The new company is " XXXX '' located in Illinois. I have received several " Harassing '' phone calls from debt collectors demanding that I make payments that I have already made. I am now being told in a phone call XX/XX/19 by a supv named XXXX that I am behind 1 month. I emailed them ( XXXX ) a statement from Hamilton showing payments they received thru XXXX. On a phone call today with XXXX, I requested a payment history and phone calls and was told I need a subpoena to get my records. I am concerned that they have submitted my name to the Credit Bureau and also charging me late fees. I have copies of all the checks both front and back showing they received and cashed in my payments.I am a senior citizen and have found dealing with this company very stressful. My XXXX XXXX is off the wall. I call and ask for supervisors but they never let me talk to one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Had a collection/Charge off with Barclays bank. I called in on XX/XX/2019 and paid/settled the account for {$1300.00}, reference number : XXXX. I was told that I would receive a final settlement letter showing that the balance had been paid, and that my credit report would be updated within 3 months reflecting a {$0.00} balance. I never received a settlement letter, and my credit report is not updated. I called the company on XX/XX/2019 and they stated that there system shows a letter was never sent out. They also stated that i am not the only one that this has happened to.

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 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX, New Jersey. There is a scam going on at Bank of America on mortgage payment Center. Bank of America is forcing customers to pay escrow. I am paying my monthly mortgage through Bank of America on-time for almost eleven ( 11 ) years now. The Bank told me early this year that I failed to pay my property tax I having been paying for over a decade promptly. I went to the XXXX, NJ XXXX tax office and they said we got it late my mail but we got it and has been processed. I think Bank of America also paid the city property tax and were refunded. XXXX XXXX NJ Tax office { ( XXXX ) XXXX } were late to send us ( everyone ) the remaining half of 2019 tax accessement bill and the 3rd Quarter due date was due in XX/XX/XXXX and 4th Quarter due onXX/XX/XXXX.I was current and to-date on my property bills. This can be verified at above phone number or I can provide the actual bill in my possession. 

Now Bank of America is telling me I was late that the 4th Quarter was due on XX/XX/XXXX not XXXX XXXX and are adding escrow fund with late charges to my account. This illegal and offensive activities should be stopped immediately.

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This problems started at the beginning of 2019. I have disputed a phony charge and after requesting some proof the vendor failed to submit proof. So, I did not pay the charge. However, Capital one removed the charge not the interest on the charge. 
Since then, I tried unsuccessfully to resolve this issue with Capital one customer service. Capital One continuously charging interest on any purchase I make since that disputed charge. 
In XX/XX/2019, I have sent two correspondence to XXXX XXXX and XXXX XXXX, who are supposed to be Capital One senior problem Resolution team member. 
No Action, I believe someone sent me an email saying they wanted to talk to me. Here is the problem on phone conversation : When I talk to someone at Capital One, I do not have any record as it happened during the initial stage of my conversation with Capital One. So, it is later denied that such conversation was ever happened. When a consumer talks or writes to Capital One, proper proof or documentation is required. 
So, I have written to XXXX XXXX and XXXX XXXX again on XX/XX/2019. 

Still no action. I have attached the supporting documentation hare. 
I am with Capital One for many years. Since the beginning of my business with Capital One, I have neither missed any payment nor carried a balance over to the next billing cycle. I have always paid my credit card billing cycle balance in full. 
As of today the Interest total charge is equal to {$85.00} including {$34.00} just for this months. 
So, I am writing to you for your help and to stop businesses from the improper practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: GA

Complaint narrative:
GREAT LAKES..wanted me to pay XXXX a month ... I stayed can't pay that much.. then I was given a plan to pay XXXX for 2 yrs ... .bit as I'm paying this amount nothing is going toward the loan..the loan increases ... .then the other plan was THE ONLY WAY I CAN HAVE MY LOAN NOT TO INVRRASR WAS TO PAY XXXX. A MONTH FOR 4YRS ... THIS IS NOT HELPING..I 'M SURE NOT YHE ONLY ONE..WHO HAS BEEN FAST TALKED INTO NEVER ENDING CONTRACTS ... THE GOAL IS TO PAY BACK THE LOAN..NOT KEEP IT ... IT NEVER GETS MONEY DEDUCTED..I HAVE BEEN PAYING ... BUT NO CHANGE ... IT WRNT FROM XXXX TO XXXX ... PARENT PLUS LOAN..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I purchased XXXX appliances from XXXX in XX/XX/XXXX and was told I qualified for a rebate. I submitted my request but never received my rebate card. I called several times and was told it was sent out, yet I never received it. In XX/XX/XXXX, I became very ill and was only focused on my health. I am now in the process of recovering and I am in the process of getting my personal affairs back in order. I followed up with myprepaid again in XX/XX/XXXX to find out what the status was. I was informed that my card for {$250.00} expired in XX/XX/XXXX. The rebate was supposed to be for {$300.00} and also I received my appliances in XX/XX/XXXX, so how does a card expire at the same time it was issued? Then the representative stated the card was sent out although I stated several times in my prior calls that I had never received my rebate card. He stated there was nothing they could do as I should have called months ago, yet I explained I actually did call up until XXXX and in XXXX became extremely sick and some days couldn't even move or talk. I requested a supervisor and explained what occurred and he stated he would escalate my claim as he does show the card was never activated nor used. I was told to call back in 10 business days for the results. I have called 4 times as of the date of this claim and keep getting the same response that it was escalated and they have to wait on a response as the money is no longer there. How is something that I was told I qualified for yet never received and notified this company it was never received on numerous occasions and never even activated nor used, no longer there? I am still waiting on a response to the claim that was so called escalated and submitted in XXXX.

Company response to consumer: Closed with explanation