vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
continuation from XXXX. Additional documents showing that the amount of my monthly payments are different on three different letters from Ditech XX/XX/XXXX 90 day temporary agreement {$1300.00} XX/XX/XXXX default letter $ XXXX/ XXXX XX/XX/XXXX letter {$1400.00} These changes in amounts cause the final delinquent amount to almost double making it even hard catch it up in one lumpsum. I called to ask what other options are available to find out that no modification will be granted without subordinate agreement and a payment plan can not be granted until past due amount is within 90 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
My original loan before this creditor took over was with XXXX XXXX. I took a {$15000.00} loan in 2016 to pay for my final year of schooling. Fast forward I was unable to get a decent job that would allow me to make substantial payments on this loan. I paid a {$50.00} forbearance fee which was already a burden in itself for me. After a while I was simply unable to pay a monthly payment and I continuously tried getting some type of monthly payment that fit my already low pay. My loan went delinquent and was charged off to EOS CCA Collection. From this point on was when this loan was a nightmare. I have interest accumulating EVERY SINGLE DAY! This is so insane! My credit score CONTINUES to plummet because of this. I have tried on several occasions to call this creditor to resolve delinquency by making some sort of payments but they never work with me. I am still out of a job at the moment and I only make enough to pay on my federal loans. I keep pleading with this company to stop adding interest everyday. There is sometimes when they had {$100.00} in interest EVERYDAY! If I am already struggling to pay down the principal, how do you expect me to pay the interest? Now they have threatened that they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/19 my purse was stolen out of my car at a dog park, the thieves went straight to XXXX XXXX  and charged {$2000.00} worth of gift cards ( {$500.00} Bank of America {$1000.00} XXXX XXXX  and {$500.00} XXXX XXXX  ). A police report was filed within the hour but we could not catch them at the store. All credit card companies were aware these were fraudulent charges within that first hour or so. All have been great with the exception of Bank of America. They initially reversed the charge on XX/XX/XXXX. THEN on XX/XX/19 they charged it backto my account and denied the claim the reason is that I shop at that store ( well yes it's 5 minutes from my house! ). and that made it a valid charge. Are you kidding me? Since then i have reopened the claim on XX/XX/19 ( closed during holiday ). They have all the police information etc. and still have not accepted the claim. I need help with this issue i can not sit on the phone all day trying to check on this claim.

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 2019-11-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've been trying to fix this problem with the credit bureaus and sent them a dispute letter to delete an account that is not reporting correctly. 

This account has been paid in full and I want it removed from my report. Somehow they still haven't deleted it.

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 2019-11-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have 3 credit inquiries from XXXX XXXX XXXX XXXX listed on my Equifax credit report that are unauthorized. I never applied for any credit with XXXX XXXX XXXX XXXX. The credit inquiries are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NC

Complaint narrative:
I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, XXXX  XXXX  XXXX  ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder 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 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/19, I discovered fraudulent activity on my account. I called TD Bank customer service and reported it on the same day. However, TD Bank refused to reimburse me for the stolen funds. They have been rude and unyielding in their stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my XXXX   credit report. 
After an average of 10 disputes per bureau, XXXX and XXXX  have deleted this account in spite of Capital one 's ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF CAPITAL ONE, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT CAPITAL ONE DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO CAPITAL ONE FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT CAPITAL ONE 'S " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH XXXX BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
XXXX  DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND XXXX  WHO PROBABLY CAN'T DECIPHER CAPITAL ONE 'S ACCOUNTING RECEIVED ... .OPTED TO SUPPORT CAPITAL ONE WITH MORE THAN 10 FRAUDULENT VERIFICATIONS. 
I CHALLENGE XXXX  TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT CAPITAL ONE .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK CAPITAL ONE IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO XXXX PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF CAPITAL ONE 'S " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE XXXX  WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT XXXX  CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT CAPITAL ONE. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 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 — Overcharged for something you did purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello ... On XX/XX/2019, a {$140.00} credit posted to my account. I called on XX/XX/XXXX to see when I should expect the credit balance back to me as I had not used the card. They mentioned I would receive a credit within 60 days of when it posted. When I hadn't received a check, I called again on XX/XX/XXXX and was told it would be processed soon. My XXXX  statement showed no credit balance and so I called again on XX/XX/XXXX asking about the credit and that's when I was told it was sent to the bank on XX/XX/XXXX and that I should expect to see it any day. I called back on XX/XX/XXXX as I still hadn't seen the credit post to my account and the customer service rep contacted the back office as he agreed that by now I should have received the money. On XX/XX/XXXX, I receive an email from him, XXXX   XXXX, with an attachment showing that on XX/XX/XXXX a check was sent to XXXX  with my name on it. I sent him an email with my statement showing no credit had posted and where should I go from there. He said he contacted his back office and they said I should contact my bank. I responded by saying that the check they sent was 1. not addressed to my bank XXXX  2. doesn't have my bank account information so the funds are properly credited and 3. doesn't show that it was cashed by XXXX. At the point, I stopped receiving a response from the company and still don't have a check nor the credit posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: SC

Complaint narrative:
XXXX XXXX  XXXX  says I owe the {$1800.00}!!! They report a balance due to Experian. 

I never had an account with them!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After I made two mobile deposits to cover my rent, Wells Fargo deemed both checks counterfeit, without even processing either, and only eighteen hours later. The next day, WF informed me my account would soon be closed because of this event. After numerous calls by me, WF back-pedaled and held one for processing ( both checks were nearly identical payroll checks from same source and dated a week apart ). That held check eventually cleared, proving they were guilty of hastily declaring a check ( s ) bogus. As a result of all this drama, WF charged me with numerous {$35.00} insufficient fund surcharges, and my landlord nearly evicted me.

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 2019-11-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has wrong information on my credit report to XXXX  XXXX. Report hasnt been updated since 2015. Furthermore Equafax still has old credit that should have been dropped off. They have my credit score so low for what I have been paying to improve my credit but yet has not given me a fair score. There is a report for XXXX for a vehicle that I had co-signed for that has been charged off because the creditor had picked up the car and resold it for their money back. So they wrote it off. Equafax also is reporting a collection that is a repeat collection with 2 different amounts from XXXX one for {$120.00} and the other for {$110.00}. From years ago. This is still reported on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I will start at XX/XX/2019 when I wrote to the Fraud Department via fax and told them about the letter they sent me that $XXXX would be credited to my account within 10 business days.  I warned them about the transfer from Synchrony Bank to XXXX XXXX but they appeared to ignore and not heed the the warning.  When the transfer took place, I called XXXX XXXX and they kept me on the phone close to an hour talking to managers and the Fraud Department and the Synchrony Fraud Department told them they needed an additional 5 business days to the transfer of ownership.  After waiting that length of time I called XXXX XXXX and they advised me to call Synchrony Bank Fraud Department where I was transferred to directly and they told me the transfer was complete and they would not be servicing the account any longer.  For the last week I have been faxing the Synchrony Bank Fraud Department to send me a copy of the letter stating my balance would be reduced by a fraudulent charge of $1,787.00 due to a charge from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX, NC.
XXXX XXXX XXXX is still under investigation for 3 or more HIPPA Vioations as well.
XXXX XXXX wants a copy of the letter mailed in XX/XX/2019 so they can credit my account while it takes 30 days for them to send me a copy of a document to fill out and explain the fraud that occurred all over again. The letter Synchrony Fraud Department sent also mentioned they would contact all 3 credit bureaus to alert them of the balance change.  I have no idea whether this happened or not but cannot get a straight answer. The REBILL of the charge happened on XX/XX/2019 under account XXXX   but the Fraud Investigation form has it under XXXX.  I have faxed them three times this week alone with no response and given phone numbers, fax numbers, email addresses, US Mail addresses.

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 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: NC

Complaint narrative:
I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.

Company response to consumer: Closed with explanation