vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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: CA

Complaint narrative:
I called Experian to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian stiff refuse to update the information. 
Experian has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez/Shellpoint is taking 3 weeks to verify my request to follow up on why they have not paid our XX/XX/XXXX property taxes. The payment for this is in an escrow account, and we pay our mortgage payment automatically and have NOT missed any payments. According to our County Assessor 's office, the tax payment is still pending. I have reached out to NewRez on XX/XX/XXXX, andXX/XX/XXXX and a resolution has been promised each time with no results or records of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them.

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was approved for a 100 % discount on my XXXX hospital account ( s ). This approval was based on the 6 months long processing of my application after I submitted all required information, all of which was factual and accurate. 

On XX/XX/XXXX XXXX demanded that I begin the financial assistance program anew, thereby voiding my previously approved 100 % discount despite not having any legal justification to demand such since I already provided complete and accurate information upon which the 100 % discount was based. 

On XX/XX/XXXX State Collection Services , inc. claimed that I have unpaid debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I promptly disputed this false claim. 

On XX/XX/XXXX State Collection Services , inc. acknowledged my dispute and attempted to validate a debt which I don't owe. As they will place said debt on my credit profile I'm forced to take action to remedy this grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Company : Capital One Spark Business Credit Card Dates : XX/XX/XXXX / XXXX XXXX charge Actions : Multiple calls since the following billing statement of the charge Capital One Response : XX/XX/XXXX - XXXX XXXX  credit to my account was denied. 

Description -- -- -- -- -- -- -- -- - Capital One has unfairly blurred the lines between their Business Spark Cash and Spark Miles card. As an example, when I visit the website for the Spark Cash Card ( https : //www.capitalone.com/small-business/credit-cards/spark-cash/ ) I scroll down to the link that says " See all card benefits. '' On the subsequent page, benefits are also shown for the Miles card, such as a " XXXX XXXX '' credit. This unexpected merging of features, that aren't included on both cards, should not be allowed. 

When clicking " See all card benefits '' for the Cash card, benefits for an entirely different card should not appear on the resulting page. This is EXTREMELY misleading and confusing to the consumer. 

Due to this misleading advertising, I was led to believe that my card included a XXXX XXXX credit. After signing up for XXXX XXXX and realizing I had not received a credit, I called Capital One only to be informed that my card did not include this feature ( so it was NOT part of the " all benefits '' that the website link claimed ). The manager agreed that the website was extremely confusing and submitted a claim for credit, but again the credit never appeared. I called in again, after the 1-2 billing cycles they said it might take for a credit, and they said my claim was denied. 

Capital One needs to clean up their misleading site and adjust their behavior when it's clear they are in the wrong. 
1 ) When clicking " See all benefits '' for a specific card, benefits for THAT CARD ONLY should appearnot a blend of cards.

2 ) They need to more clearly differentiate the " cash '' and " miles '' card. For instance, my plastic credit card doesn't say anywhere on the card which one I have, only " Spark. '' 3 ) When it's clear their design is causing consumer confusion ( something their manager openly admitted ), they should not be denying claims to remedy the subsequent mistakes ( such as my XXXX XXXX charge ) especially if they also are not changing their misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX HOSPITAL with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/2020, I submitted a payment to pay off the remaining balance of my Fed loan XX/XX/XXXX for {$190.00}. The auto debit payment of {$120.00} for that loan scheduled for XX/XX/2020 pulled from my checking account even though the loan was paid off because the {$190.00} did not post until the same day. I have called on three separate occasions to have the {$120.00} auto debit payment applied to my highest interest rated loan ( 1-13 ) since XX/XX/XXXX has a XXXX  balance and it has still not been applied to the account as of today ( XX/XX/2020 ). The latest representative says that the payment was applied on XX/XX/2020 to loan XX/XX/XXXX, but my account online does not show that this is the case and interest has accrued on the balance since XX/XX/2020 when the funds were originally withdrawn from checking account. From my end the money has not been applied and not been refunded, I have no email or hard copy mail that states otherwise. This money has been taken from my bank account and has not been applied to my loans. Please fix immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KBHS Home Loans, LLC

Complaint narrative:
my wife and i left an Ernest money on XX/XX/20 with KB Homes to build a house. according to XXXX XXXX the Sr.Sales Manager of the loan company we have been approved on XX/XX/20. apparently loan company was trying to resolve the issue of me having another mortgage and i clearly signed a contingency form with them to sell my home prior to closing. finally on XX/XX/20 the loan company ( KBHS home Loans ) notify me about the status of the loan and carrying two mortgages in the same time. I just ask them what are you guys so concern about the second mortgage while i signed a contingency form. now a month and half passed my Ernest money which was a cashier check was never cashed out, their sales department which is the builder had no communication what so ever about the status of the loan. 
my wife and I decided not to do business with kbhomes due to lack of interest and care to sell us a home. 
Its interesting to let you know when i called and asked for my refund they gave me the same cashier check that i gave them. my check was never cashed at all. and they agreed to cancel the whole transaction without any argument. thats odd. it sounds like they know they made a mistake. 
i called and asked XXXX nicely to remove those inquiries because of their mis-communication with the builder and wasting my time. 
she just emailed me and said we cant. this is her info. 

XXXX XXXX Sr. Sales Manager XXXX Division NMLS # XXXX Office : XXXX E-Fax : ( XXXX ) XXXX XXXX Branch NMLS # XXXX KBHS Home Loans , LLC | NMLS #  XXXX | kbhshomeloans.com XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, TX XXXX KBHS Home Loans , LLC is an Equal Housing Lender

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been dealing with Capital One for more than a few years and the situation that Im currently in has never happened to me before .I am a victim of a very foul play action from someone that acted as if they were a part of the company that I applied to. Searching for jobs on XXXX  I applied to a company named XXXX XXXX XXXX, for a XXXX XXXX position the person name is XXXX XXXX starting XX/XX/2020 we started talking about the job and certain requirements that I would need and interviewing me to see if I fit certain criterias two weeks straight talking to this company everything seemed fine and OK until I was send a check to my home address of {$5900.00} this fund was to purchase equipment and other materials for the job since I was working for XXXX XXXX I was highly convinced and in need of some type of employment that everything seems OK. Once I receive the check and was able to deposit it on XX/XX/2020 the false employer was acting very sketchy and I begin to get suspicious and did further investigations on my own that I regret that I hadnt done before I submitted this check on XX/XX/2020 I confirmed with the actual company called XXXX that this was my situation and XXXX ( president ) of the company verified that this person was not a part of their department it was nothing but a scam and wanted me to break all ties. The person that goes by XXXX XXXX has been pretending to be apart of the company and other companies. However I contacted Capital One I couldnt do anything over the weekend because they were closed so first thing Monday, XX/XX/2020 I contacted customer service to report this issue and to figure out if I can get rid of the funds and close and change my account. In result talking to different departments they came to the conclusion not to affiliate with me anymore I feel like this is very unjust and unfair for me because I am technically the victim I have never in my life experience anything like this I never intentionally wanted to mess up anything that interfered with my financial status I called different departments talk to supervisors and nothing but the same response Im trying to figure out if theres anything else that I can do to maintain my account ive tried doing everything I thought me reporting this to Capital one will reassure me however it didnt. Being a XXXX  and trying to make ends meet this was the least of my expectations and I dont know what to do capital one is the only bank I trust and location wise easiest to navigate to and manage nothing much to complain about their services just want them to understand my situation and help me understand how to move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2020-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I set up a new instant payment recipient and the bank locked my account. I called, but they said they had to send me a passcode via text. My phone doesn't accept text messages, so they said I have to go to a branch with TWO forms of ID. I don't have two forms of ID, and going to a branch is very inconvenient. They stupidly and arbitrarily took away my access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclay is reporting my credit as being late or non payment when they closed my account and I'm paying them off through a third party collector. XXXX XXXX XXXX XXXX. I have been perfect with payment history and paying them back.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
As a customer I am utterly disgusted and incredibly frustrated with how PrimeLending has handled my loan. After I sold my house in XX/XX/XXXX, I expected to receive my escrow check in the amount of {$5700.00}. The check released on XX/XX/XXXX was sent to the wrong address. I called and had it corrected in XX/XX/XXXX and still no check came in XX/XX/XXXX. However, I had received several letters confirming my address so I know there was no issue with the mailing. On XX/XX/XXXX I called again spoke with a supervisor and was informed that the check would be expedited. 

As of today, XX/XX/XXXX I still do not have my check. The representatives and supervisors in customer service do not keep accurate notes of my phone calls and I repeatedly have to go back and forth with them on the issue. If I were the one who owed PrimeLending, there would be dogs and bounty hunters on my back.

I have mailed letters and sent faxes demanding there be some urgency behind refunding my money. It is money that I paid into the account for my property expenses and it is rightfully mine. PrimeLending has a legal and moral obligation to return it. I've even reached out to my original loan officer to have her help me reclaim my money. No one at Primelending seems to care how poorly this has been handled. Even the supervisors don't seem to put any urgency behind the matter. Every time I call someone knew tells me to wait, they say it will take 48 hrs to research the account then another 14 days to send the check. Why does it take so long??? Only for me to find out, it was never done!! I want answers from someone in the company who can make executive decisions and overnight me my funds! I'm hoping this complaint will put some pressure on them to move this along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Opened Truly Simple Carg Fifth Third Bank. Reported Fraud of {$400.00} in charges, closed account XX/XX/2019. They sent a new card which I did not activate. Checked with Bank and was told at branch in XXXX, Michigan card was closed do you fraud. Bank opened second card without my activation and continued to charge late & interest fees totaling XXXX. Called Bank and they could not find dispute claim #. Bank sent me letter if I paid & XXXX dollars they would close all outstanding amounts and close card. I was so frustrated spending hours on the phone being transferred from one department to another, to no resolution : I paid the {$400.00}, to stop the XXXX  it was causing me ( on XXXX for XXXX ). Now I have a terrible credit score regardless of owning my SUV, house on XXXX XXXX, pay electric, gas, cable, taxes on time! Im retired from teaching now and am XXXX yrs old on XXXX and fixed income that I have budgeted. Im in the process of paying off two credit cards {$300.00} each a month which only {$140.00} goes towards balance. I want to consolidate and transfer for lower interest so I can pay off the XXXX>< as soon as possible. This is causing financial hardship to me since Im a very low monthly income!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I was denied a job at XXXX after they got a background check from first advantage

Company response to consumer: Closed with explanation