vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: UT

Complaint narrative:
I opened an Capital One secured credit card on XX/XX/2019 and paid two separate deposits of {$49.00}, a total of {$98.00} and a few days later I decided against the idea of a secured credit card so I called and canceled it. The representative told me that Capital One will refund me my {$98.00} deposit via a check within 2 weeks but they never did, Ive called several times over the last 2 months and I keep getting excuses on why I havent received my refund followed by the representatives telling me just give it two more weeks, theyll make sure I get it this time I just dont know why a financial institution as big as Capital One is trying to steal {$98.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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:
XXXX  ; XXXX and Transunion are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the  attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

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 2019-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

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 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I had a mortgage with XXXX and in XXXX my mortgage was transferred to Ocwen. I reviewed my credit report from XXXX in XX/XX/XXXX to discover that the XXXX Mortgage was never closed and there was a balance of {$470000.00}. However, my mortgage with Ocwen is XXXX. 

I believe that since XXXX this has been affected my credit score because the amount owed was reporting this total balance of {$770000.00}. I want to let others know that if you are not careful - you need to careful with mortgage companies. I believe this has impacted my financial wealth. I was not able to get credit in terms of a loan an credit report. I stopped applying because I was getting declined and felt embarrassed. 

I reached to Ocwen regarding this experience and they replied that they had insufficient information to remove this from my credit report. I moved on by contacting the credit agencies directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX  at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, XXXX, and XXXX  s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX XXXX address should be in 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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On my XXXX statement the balance subject to interest was {$1600.00} with accrued interest of that period of {$36.00} & a payment of {$130.00}. On my XXXX statement the balance subject to interest was {$1500.00}, accrued interest of {$35.00} with a payment of {$130.00}. My XXXX statement shows a balance subject to interest of {$1400.00}, accrued interest for the period of {$30.00} with a payment of {$150.00}. My XXXX statement shows a balance subject to interest of {$1300.00}, accrued interest of {$30.00} and a XXXX payment of {$150.00}. I call to inquire how the interest that accrued on my XXXX statement in the amount of {$30.00} was just {$.00} less the amount on my XXXX statement of {$30.00} despite the balance subject to interest dropping from {$1400.00} to {$1300.00} a difference of {$140.00}. After speaking to three representatives, on of which was an " account specialist, '' no one could provide a plausible explanation. The last individual said that they would have someone internally look into the matter but no one was going to contact me with an explanation, which is nothing more than an exercise in futility. 

My second concerned that raised is that in XXXX of 2019 my interest rate was raised from 26.99 % to 27.15 %. In the past the expatiation I was given was the interest hikes was base on the federal reserve raising interest rates. However, the federal reserve hasn't raised interest rates and based on information for the fed chair there are no plans to do so this year. I was told today that this interest rate was based on the Pericardial Index listed in the XXXX XXXX XXXX which variable. When I inquired as to why they chose to raise my interest rate the the Index rises but have never lowered my interest rate when the same Index falls, I was not given an answer but told it would be looked into but again no one would respond to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXX  for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.

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 2019-04-09 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: FL

Complaint narrative:
I really need assistance with making sure the bureaus delete this fraudulent account and it stays deleted. Last much I reviewed my credit report online as i do every month and I noticed a new account XXXX XXXX XXXXl for {$1900.00} which turned out to be a medical collection, I was immediately alarmed because I have not been to the emergency room or hospital in years nor have i visited a doctor. I called the company thinking surely they have me confused with another because I have a very common name but more alarming still it was my information! I went to the police station right away to report this fraudulent use of my information and disputed the account with all 3 credit bureaus as fraud. So far the account remains, I will attach a copy of the police report. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
I recently sent a letter to Experian asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. The letter was recieved by Experian on XX/XX/2019. I did not receive a response until XX/XX/2019. 
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. 
That is well beyond the 15 days allowed. Additionally, I recieved a letter from XXXX XXXX XXXX dated XX/XX/2019 and recieved by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. 
So AGAIN I ask Experian how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?

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 2019-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
On Thursday, XX/XX/2019, I received a text message from my spouse ( separated at the moment ) that he keeps getting calls from XXXX XXXX ( who was the original loan holder prior to XXXX ). He said they been calling for a while now. He picked up a on this day and spoke to a gentleman. The gentleman explained that he is a debt collector looking to collect a debt from me. He told my spouse that I owe XXXX but they are willing to settle for {$13000.00}. What upsets me is that I am currently in the divorce process and contacting my spouse on a debt that has absolutely nothing to do with him. I do not think it is right and that a violation for this company to give someone information to a debt that is # 1 not theirs, and # 2 a third party that never was authorized or reference on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, equifax, and XXXX s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX circle address should be in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has submitted a credit inquiry on my XXXX   XXXX. I do not have any Chase financial products nor did I request any. This is the second time that Chase has done this. They blamed identity theft last time, and I have not had my personal info compromised-that has been verified. Furthermore if it were my identity being stolen than why is Chase the only financial institution that I am having issues with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I'm pre-paying my mortgage with Franklin American Mortgage. I was told that as long as a payment was under the amount due it would be applied to principle. They lied. Multiple times I've submitted separate payments which they then combine and pay multiple months. I feel like I'm constantly being overcharged interest and only twice received a corrected monthly interest statement. 

Then they insist on wanting to know who the subscriber is on my cell phone. This is NONE of their business. This is despite the fact I've stated it is my cell phone. 

I feel like I'm dealing with a bunch of charlatans who want to sell my personal information rather than protect my privacy or provide security and over charge me mortgage interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: BANCO POPULAR DE PUERTO RICO
State: MI

Complaint narrative:
Banco Popular is recklessly reporting fraudulent transactions to XXXX, XXXX  and XXXX. which are currently being investigated. Dropping my credit score 45 pts. 

I have a Banco Popular credit card with a balance of XXXX ( XXXX  ) I have no idea why they have provided false information to all 3 credit bureaus stating my balance is {$11000.00}, which is over my credit limit of {$11000.00}. 
Back on XX/XX/2019, I reported fraud to Banco Popular, which totaled the entire amount, as I have never used this card, besides paying the annual fee. I talked to the fraud dept. twice, they were to be investigating. This was on XX/XX/2019. Yet, on XX/XX/2019, Banco Popular reported my balance to XXXX, XXXX and XXXX as {$11000.00}, meaning they included all the fraud charges in violation of the FCRA and the agreement i have with Banco Popular. SO besides Banco Popular violating the law, they have also knowingly and recklessly Breached our Agreement. An agreement they created.

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 2019-04-09 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am past due on XXXX XXXX   partial account number XXXX. This account is coded as an R5 and it needs to be coded as an R1. (  Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AL

Complaint narrative:
There are two motor vehicle violations that for some reason separate violations however, those tickets are only one ticket alone. I never received the ticket listed under the date XX/XX/XXXX for " No Drivers License ''. If you take a moment and check the date on which I received the XX/XX/XXXX then also when my license was reinstated on XXXX XXXX, XXXX. My license is still valid as you can see and there hasn't been any other violations since. How could I have received a no drivers license ticket while currently holding a valid drivers license, as the background report shows. I couldn't have, and never did. 
The background check was provided by Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am past due on XXXX XXXX partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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