vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX we became aware that someone had ordered a copy of my credit card to be sent to NY, a state I don't live in nor have ever lived in. I called CapitalOne right away and told them to cancel the card. They agreed to cancel that card and issue a new card with a new number. I also complained about the {$16.00} " Fast Card Fee '' and was assured that it would be refunded to the account. 

I never received a new card. The next thing I know I get a letter saying that they investigated for fraud and determined that there was no fraud and that I am responsible for the charges. I also received a bill for the same card number, which was never cancelled, with thousands of dollars charged to the card for transactions I do not recognize. Moreover, I received notice that they closed the account for violating the terms of the agreement, which damaged my credit score. 

I called CapitalOne again right away ( XX/XX/XXXX ) and asked why this was allowed to happen as I told them to cancel the card more than a month ago as soon as I realized someone had ordered a card fraudulently. No explanation. They agreed to open a case at that time and start investigating. 

It has now been over two weeks and I am still getting the run around. My account is still closed, my credit is still affected. None of this should have been allowed to happen. If CapitalOne had closed my card on XX/XX/XXXX as they said they would do, all of this could have been avoided. 

As if this weren't enough, CapitalOne claims that they did not send the first letter saying that they investigated and have no record of the case number on that letter. We called a phone number in that letter and gave the person on the phone sensitive information. I have twice sent this letter to CapitalOne 's abuse department for confirmation that it was indeed a fraudulent letter but they have not responded to that either

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
As of today XX/XX/XXXX an according to XXXX XXXX in the " ombudsman '' office which is an internal department of SPS, Select Portfolio Services has not processed the Deferral Agreement that I  signed and was received by SPS on XX/XX/XXXX and the loan continues to negatively report on my credit although I have paid the payments we agreed to on time. Select Portfolio Serving told me that it would be report current in the beginning of 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 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
This not my debt XXXX XXXX of XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: UT

Complaint narrative:
I have a Delta Platinum credit card through American Express that awards me with a companion certificate every year in return for a higher annual fee. 
I have tried twice now to use the awarded companion certificate, but due to the excessive red tape around this product I have been unable to use the certificate. It is now set to expire in two weeks and I do not have any travel plans within that time. 
The first time I tried to use the certificate was the end of XX/XX/2019. I had a business trip to XXXX, TX and decided to bring my wife along and spend the weekend exploring. I had a flight credit to pay for my ticket from a previously cancelled flight ( also paid for with the Delta Amex card ), but I was told I could not use the companion certificate for my wife 's ticket because I was using the Delta credit for most of my ticket. I was told I have to purchase the full ticket with my Amex card in order to use the companion certificate. I did purchase the original flight using my Amex card, but unfortunately it was cancelled and I was left with the Delta flight credit vs a credit back to my Amex card. 
The second time I tried to use the companion certificate was on XX/XX/XXXX for a quick weekend trip with my wife to XXXX California. This was a last minute decision and we were wanting to leave that same weekend. I was told I could not use the companion certificate because the flights I was trying to book were too soon. Apparently there is a rule within the excessive red tape that Amex sets up that says companion certificates must be booked two weeks prior to the flight. I can understand why this rule would be in place, however, seats were still available on the flight when I was trying to book even though it was just days before the flight. Why shouldn't I be allowed to use the certificate that has been awarded when there are still seats available? 
My general complaint is that the marketing done by Amex and Delta around the companion certificate award is clearly unfair and deceptive. I pay a higher annual fee every year for this card because of the companion certificate benefit. Amex then creates so many restrictions and red tape around this certificate that it makes it almost impossible to use. I would not be surprised if there are many other customers in my same situation that have paid a higher annual fee and have had annual certificates go to waste because they were not used within the unrealistic rules set by Amex.

Additionally, I filed this same complaint over the phone with Amex and was told that th
is will be escalated as need and I will likely receive a response in 6 to 8 weeks. Let me repeat that, 6 to 8 weeks!!! How is that adequate customer service???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Navient has been servicing my loans for the past several years. Due to the unfair capitalization of interest that had already been credited from processed payments, I refinanced my loan through another servicer. The loan balance was paid in full on XX/XX/XXXX. I received the usual email from Navient on XX/XX/XXXX which indicated that another payment would be taken from my account on XX/XX/XXXX. I signed into my account to see what they were showing due, and the balance was {$0.00}. XX/XX/XXXX a draft came through my bank account from Navient, even though the principal balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Over the last year I have made or attempted to make six additional principal payments and every time my mortgage co. ( Mr. Cooper ) misapplied, overapplied or delayed my payments. This happened on XX/XX/XXXX for the amount of {$16000.00}, XX/XX/XXXX for the amount of {$12000.00}, XX/XX/XXXX for the amount of {$15000.00}, XX/XX/XXXX for the amount of {$22000.00}, XX/XX/XXXX for the amount of {$28000.00} and XX/XX/XXXX for the amount of {$35000.00}. As of XX/XX/XXXX, I tried to make a principal payment and the representative from Mr. Cooper is trying to tell me I am not allowed to make an additional principal payment until my XXXX payment has gone through and they only charge interest on a monthly basis, which is not true, I am and will be paying interest on this money daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc.
State: OK

Complaint narrative:
i have sent in the requested info. to national Credit Services. Via FAX, EMAIL. My husband is on military   leave and currently XXXX XXXX. I can not access his info neither can he!! i have told them this OVER and OVER!! i have sent in my info all my pay stubs and fax the consent. They will verified they have received it. BUT keep calling to ask for it,, after they put me on hold then they come back and say- oh now i see where you have sent this in!! 

i have also received calls past XXXX XXXX. i have also received numerous calls at work. and i have told them please do not call my work. and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following account does not belong to me : XXXX XXXX XXXX This is resurgent/LVNV fundings second time purchasing a fraudulent debt. I have attached proof of them dismissing a fraudulent account before that they attempted to verify. I am highly disappointed and I believe that some kind of disciplinary action should be taken. I will be speaking with my legal team today regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed a total of 17 derogatory items that do not belong to me with XXXX, Equifax, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different  spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX  11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX  15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: FL

Complaint narrative:
Macys/DSNB XX/XX/2016 was on my credit report and I attempted to contact the company to let them kno wits not mine and they was not listening and di not care.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
Hello XXXX XXXX XXXX put a collection on my account saying I have a debt of {$67.00} that needed to be paid which I just went ahead and paid for it since I was NEVER notified it needed to be paid and also closed my account with them. They never told me that I had a extra amount that needed to be paid. And denied that they will remove it from my credit when I am the one not at fault here. They have my email and phone number on file they could of asked for the forwarding address which they decided not to contact me on. 

The address they where forwarding to was the exact address that I closed the account on and never gave me a EMAIL OR PHONE call to ask for a forwarding address they could send the letters to so I believe I should rightfully get this removed from my account since I paid this in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In fall XX/XX/XXXX I received a call from Pioneer Credit Recovery, XXXX and was told they were trying to collect a debt that I owed. The woman asked for the last 4 digits of my SSN. She refused to tell me anything about the specific amount of the debt or who the creditor was unless I provided that information. I refused to do so. As there was a stalemate, we hung up. I have never received any notice in my mail of any debt owed, nor am I aware of anything owed. Pioneer soon began calling multiple times, up to 3 times a day 5 days a week, but I would not take the calls. On XX/XX/XXXX I filed a complaint with the FTC, and the calls immediately stopped. But on XX/XX/XXXX Pioneer resumed calling me, again up to 3 times a day 5 days a week. This time I blocked the calls, but my phone does record auto-rejected calls.

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 2019-06-17 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: PA

Complaint narrative:
On XX/XX/XXXX my student loan with US Dept. of Education ( USDE ) went into default, I do not know the amount due as the USDE ignored my repeated requests for current balance due. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$4700.00} to pay the USDE LIEN. I pulled my credit reports and noticed the USDE still showed ( 2 ) balances totaling appx. {$45.00} and did NOT show any payments made by the IRS even though the balance was lowered. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$86.00} to pay the USDE LIEN in full. 
On XX/XX/XXXX USDE reported ( 2 ) accounts, each owing {$1.00} and charged off accounts, did not show ANY payments made. I disputed with TransUnion immediately and mailed proof of IRS payments. On XX/XX/XXXX TransUnion reported the info reported was USDE is correct and still shows ( 2 )  accounts with {$1.00} due each, charged off accounts, does NOT show payments made by the IRS.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Our Mortgage has been with Ocwen for the last 10yrs, we have always paid our mortgage through their XXXX XXXX  XXXX  XXXX  with no issues on the 1st or 3rd of every month. Ocwen just went through a merger or purchased another company I am not sure the response emails have listed a XXXX XXXX  XXXX and we have not received any correspondence from XXXX XXXX  XXXX but when I called on XX/XX/XXXX to pay our mortgage the system did not recognize our account number and there is an automated message that says " you may or may not have received a new acct number please call our customer service line '' I made 3 attempts to call the number given XXXX each time I have been on hold for 25-30min there is a beep and the line goes dead, I called on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX with the same result. I also submitted a support request on the Ocwen website on XX/XX/XXXX, I received a system generated response to call the same phone number listed above and had the same result, the message also stated that someone from the mortgage company would contact me within the next 5-7 business days which has not happened yet. I want to maintain my good credit rating and all I am trying to do is pay our mortgage but we are unable to speak to anyone within the company and the phone numbers are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I had called the first week in XXXX, I was laid off and wanted to see if they could help. I was told they could modify the payment for two months, from XXXX. To XXXX, they sent paperwork I signed and was told all good. First payment I made that day was correct, second payment full amount was taken. I called to try to resolve this and was told by XXXX I was wrong, he had notes and recorded call. I asked for the paperwork to be emailed to me and to pull call. I never got paperwork, and was told he was not sure how to get call pulled and could not give a timeline. I also set up a new due date in XXXX, and they did not set it up until I called after they took the payment on the old date and was told it fell through the cracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: ID

Complaint narrative:
Information on my background check is inaccurate. The background check under my social security number and name brings up a address and information in XXXX, Arizona - XXXX County. I  have never resided at that address, and I fear that the information is not mine, and may reflect on other background checks and credit information. Here is the information : Record Source XXXX COUNTY SUPERIOR AND JUSTICE COURTS Search Results No Record Found Search Type FELONY & MISDEMEANOR RECORD SEARCH Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered AZ Address Zip XXXX Location XXXX XXXX XXXX XXXX XXXX COUNTY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I have tried numerous of times to explain to this creditor that I have no knowledge of what I am being ask to pay. And I have asked to get this removed from my credit because it is reflecting and hurting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
This debt is from a 2017 XXXX account was originally the creditor the account should not have went to collections because I was disputing the amount owed with the original creditors for service I didnt order with my original contract however the creditor refused to come to some type of resolution and sent my debt to diversified collections were I just paid balance in full so Im asking creditor as a courtesy can they please remove this derogatory remark off my credit file and stop reporting this to credit bureaus Also I am currently a XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I reached out to Capital One Bank, back in XX/XX/2019, about a credit card debt they are falsely reporting to the credit bureaus. I spoke with the fraud department and was told they would investigate and get back with me within 45 days. I never heard from the company via mail as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second complaint against Trans Union with the CFPB in which the first one they did not address my concerns. In fact, three of the account I addressed that they claimed were verified have in fact been deleted by the furnisher since then, which only proves that Trans Unions does NOT investigate properly as they are required per FCRA. Trans Unuon has failed to provide a method of verification in which I questioned in the previous CFPB complaint, and has sent a certified letter requesting. In fact Tran Union managed to lock my file ( computer glitch they claim ) for an entire week in which NO customer service representatives could even access. Thats serves as a HUGE concern. This is a company that obtain MILLIONS of identities of consumers. MILLIONS, and I was told my file was locked and could not be accessed and needed maintenance? Thats completely unacceptable. Trans Union has continued to ignore my requests for method of verification in a timely manner, as well as deleted a report Bankruptcy that does not belong to me. The bankruptcy court confirmed to me that they do NOT furnish this information for ANY THIRD PARTY. That includes Trans Union, or any other third party they may use for verification.

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 2019-06-17 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:
I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. 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