vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Executive Office ; I'm really concerned about how my matter was handled. Back in XXXX, I applied for a partially secured credit card with your company which I opted to deposit {$290.00} which would've given me a credit of {$450.00}. I called a couple of weeks after because I never received and that they never took the money from my account. The representative asked for my bank information again and within a week or so the money was deducted from my checking account. I was excited to receive the card and I went ahead activate it and use it immediately for like $ XXXX {$60.00}. The very next day, I found out my card wasn't working and when I called the representative rudely stated that It was closed because I gave them initially the wrong account information. I'm not sure how that happens but I remember me called to ratify the situation and you guys did withdraw the money from my account. When I asked them what I should do then, he said that now there is nothing that can be done and the account is closed and after they take the money I used the remainder will be deposited. I've waited almost 2 months now, and my money has not been deposited back to my account. Due to the fact that this account was closed immediately, it shouldn't be reported as such on my credit report. Now it showed that I haven't paid the account, and your company had instructed me that they will deduct the money and send the remainder back. What's going on with my credit report and where is my {$250.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp
State: OK

Complaint narrative:
I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this due to non-compliance with the company ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I keep getting calls each week from this company ( Portfolio Recovery Associates, LLC ). They are saying that I still owe money on a credit card from years ago. I told them that I had already paid that debt up 2 years ago and that they need to check with the debtor. I even called the debtor ( XXXX XXXX ) to make sure that it had been paid. At XXXX XXXX, they said that I did not owe the company anything. 

This debt was from 5 years ago. I called XXXX XXXX and they said that I owed them nothing. I have 3 current credit cards with XXXX XXXX. 

I told Portfolio Recovery Associates that the debt had already been paid and I told them to place me on their Do Not Call List. They continued to call me anyway about this debt that I no longer owed. 

If they don't stop calling me, I will be seeking a lawyer to sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JAMES B. NUTTER & COMPANY
State: PA

Complaint narrative:
Someone with a similar name has a mortgage on my credit report. I am trying to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Federal Financial Services Inc
State: FL

Complaint narrative:
I had been making payments for two years on my car. I had a XXXX and was hospitalized. I became 3 months behind. My wife got a job because I became XXXX. All other creditors worked with me wonderfully. Ended up with XXXX I spoke with this company all the time. They always gave vague answers, I was threatened by XXXX XXXX, lied to, my contradicting emails. The impersonated the State of Florida Circuit and Civil court, they made up a fake case number for A state of Florida court. All while I was trying to get a straight answer on " if I make one payment, will you make some arrangements with me? '' There answer was always make the payment and well see, knowing they were already trying to repossess the car. I am also contacting state attorney about the fake written notice from the court that was hung on my front gate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( Equifax, XXXX  & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUHOME SOLUTIONS, LLC
State: KS

Complaint narrative:
XXXX XXXX from TruHome Solutions has repeatedly called, emailed, called my place of business, my spouse and hand-delivered a notice to our home. We have told the creditor that the account will be paid and caught up in full by the end of XXXX. The Mortgage has only slipped 30 days. The attitude and harassing nature of the calls is not appreciated. XXXX XXXX has asked personal questions and when I refused to answer he stated : " what would you do if someone owed you money ''? We are only 30 days late, we have never been late before, we have a clear plan to get back in good standing. He has been told to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/19, I upgraded my working XXXX XXXX to an XXXX XXXX. I had an existing Apple Card, issued via XXXX, and used that as the form of payment. The card can only be accessed through the 'XXXX ' app on the phone and there is no other website to do so. Since this date, I have spent hours upon hours in attempts to get Apple to respond and correct an issue in which I have no access to this account. I can not verify the purchase made, I have no access to the daily cash back, I can not review and receive credit card statements, and I can not make a payment. In fact, the 'XXXX  ' app indicates Account Services Are Unavailable, Please Try Again Later when I try to do so. I have allowed Apple to install keystroke app on this phone, they have accessed and shared the screen, and they acknowledge there is nothing that I have done to cause this and their solution is to call XXXX and payoff the phone. While it is really not the phone that is an issue but rather the inability to access my account, verify the charges, and make payments but Apple - in their partnership with XXXX - has advertised this Apple Card product as being entirely managed within the XXXX app though a technical issue prevents me from being able to even verify the account. From missed return calls to no response from their Engineering department to XXXX simply transferring me repeatedly back to Apple, I am stuck in the loop of an endless technical difficulty that will soon ruin my credit. They are unable to even provide me with a statement and neither can I even access my credit card number to provide you for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I filed Bankruptcy on XX/XX/XXXX and included XXXX  in the bankruptcy, the bankruptcy was reopened again on XX/XX/XXXX, by the bankruptcy judge, I have been in the phone with XXXX   customer Service Representatives several time trying to get the bill adjusted to the corrected amount, unfortunately the representatives are not from the United States so they could not advise what department could help me in adjusting the amount owed to the correct amount. I never received any correspondence from sunrise regarding this account and I am not sure why Sunrise collection agency listed this debt on my credit report without investigating or contacting they just made my credit score drop. These people do anything without further investigating

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 2019-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been over a couple of months since Experian raise my credit score, XX/XX/XXXX I paid off four collections towards my credit file to start restoring credit and Experian has been stagnant of raising my credit scores, the four collections I have paid upto date is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I am requesting for Experian to raise up my Credit scores for I have paid up on four collections and I am paying on the credit I do have. I would really appreciate.

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 2019-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: NY

Complaint narrative:
I have received a settlement check from Conduent Education for XXXX $ because of faulty loan practices. This came to my old address and my mother in law did not give me this until maybe XX/XX/XXXX. They used the wrong last name as XXXX XXXX on the check as I never changed my name when I had gotten married, my last name has always been XXXX. I have asked for a replacement check and gave them a copy of my drivers license. I have been told various dates which have come and gone and still have no check. At first the said XX/XX/XXXX but on XX/XX/XXXX I had gotten this email. 
Good morning XXXX, XXXX The replacement check was scheduled to be mailed by Friday last week at the latest. Please allow 3 5 business days to receive the check. 

Sincerely, XXXX XXXX Account Executive Conduent Education CONDUENT XXXX, NY XXXX I havent received any other information since after multiple emails. Since Conduent Education no longer does student loans none of the phone numbers work. I am concerned because the last date the first check gave as an expiration was XX/XX/XXXX so I am wondering if the new check will be the same and if I will get it on time. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: FL

Complaint narrative:
VW credit is sending me fabricated bills about a lease that has already ended, in XX/XX/2019, WITH A BALANCE OF XXXX. This lease was CORRECTLY TERMINATED, VEHICLE WAS RETURNED TO THE DEALER IN PERFECT CONDITION WITH NO DAMAGE WHATSOEVER. Dealer documents show an ending balance of XXXX. Recently, I started receiving " Turn-In Settlement Invoice '' bills from VW Credit about this terminated lease which are NOT EVEN DATED and simply state " payment due upon receipt '', and provide NO EXPLANATION WHATSOEVER about what they are for. Two such bills were received. I informed VW Credit by fax to the corporate office twice, once for each bill received, that these are not correct and will not be paid - but they have not answered my communications and continue to send the same bill over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( XXXX, TransUnion & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).

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 2019-12-16 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: GREAT LAKES
State: NY

Complaint narrative:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXX with 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXX were sent to Great Lakes borrowers. Great Lakes has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both Great Lakes and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Ever since XXXX, my social security check has been garnished of {$170.00}, and I called the social security office, and they told it to me was a company called pioneer recovery and also their other name pioneer recovery, and also XXXX  for the last five months of {$950.00}, and now they want two more payments of {$170.00} for the XXXX and {$74.00} for XXXX for a government debt that I paid off six years ago, and when you owe {$1000.00} government debt, the U.S department of treasury will send you a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
The servicing of my mortgage note was recently transferred to LoanCare. Why, as a consumer, do I not have a say in the company servicing my mortgage? I have had several mortgages in my lifetime and all of them have been consistent with one another until now. I had no say in the matter and as of now, have no choice but to accept LoanCare as my current mortgage servicer. The problem I have is that I have become accustomed to the grace period of 16 days. Monthly mortgage payment is due on the XXXX of the month and considered late if payment not received by the XXXX of that month. Now that I am stuck with loancare, and have no choice, I am being charged to make a payment unless I apply for auto withdrawal out of my account or make an online payment by the XXXX of each month. How is this possible? I have been paying my mortgage on time by the XXXX for years. All of a sudden out of nowhere, the servicing rights of my mortgage change and now I have to pay a fee in order to make a payment? This is absurd. How is it not law that servicers can not charge a fee unless payment is received after the XXXX of the month? It should be the same across the board. I don't want to work with loancare. I want a new mortgage servicer. How do I make this change? Please advise as I refuse to pay a fee if I want to make a mortgage payment on the XXXX of each month.

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 2019-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LN # XXXX To whom it concerns : My Loan was purchased by Lake view loan servicing LLC XX/XX/XXXX. I made changes to my bill pay and auto payment through my bank.. Fast forward, My XX/XX/XXXX payment went out as usual. The statement arrived and show that I had a late fee and the payment was over due. I call loan care immediately, I called my bank. Long story short. 
The loan payment had been going to an account number not the loan number. I went round and round on the phone, finally spoke with a supervisor, a XXXX XXXX. Well he got most of my issue straight. The XXXX payment did post the missing money was found. 
My XXXX payment went out on the XXXX of XXXX. The money got refunded to my account thanks to Mr. XXXX. 
So, for XXXX payment, I had my bank send a check. ( accelerate XXXX payment ) The check was to arrive by XX/XX/XXXX. I have called lakeview loan servicing. They can not answer to where the check is. nor an accurate time line to process. I ask about the late fee? Well payment is due by the XXXX. '' Late fees are automatic. You might get a one time waiver '' The front line phone people have no answers but get the money ... 

1. It should take 7-10 days to process my check 2. The check has been there for over a week. It has not posted 3. late fees automatic? I'm not late, its their process that's late. 
4. There is no continuity to correct problems.. Every time you call, get a new employee and issues start all over and no one knows what to do. just follow script for answers to the customer .... 
I

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 2019-12-17 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Canyon Fin XXXX  XXXX, TX XXXX This company keeps making hard credit inquiries on my credit without my permission. They have made 3 hard inquiries since XXXX without my permission. I have asked them to stop over the phone, and the woman 's reply was that they don't have to, she then hung up on me. The dates are XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have not given them permission to do this or to continue to do this.

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