vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I can't log-in to my account & I looked up the bank & many maybe almost all that complained about them & /or their number/s was about them constantly calling them like auto/robo-calls saying to just call them or press a number just like scam numbers. I've tried emailing them telling them I couldn't even log-in to my account & they didn't say anything in the reply email when I contacted them on the website but to call them! I didn't know almost a year ago that it was near the limit ( since I couldn't log-in & check it ), yet the store said it was okay/accepted to use ( charge ) the card for a purchase maybe around {$100.00} or {$80.00}, it didn't refuse it & bounce it back ( as a more professional/ real bank would do ). They charged the amount making it over the limit ( by around {$20.00} before the monthly fees & other ) & then started the increased monthly charges & increase of every fee so either magically pay ( now ) over {$300.00} AT THE END OF THE MONTH ( when majority of humans that get monthly/weekly payments DON'T have money ) or keep getting these 5 or 6 robocalls DAILY. I also noticed once it went over the limit I also started " suddenly '' getting SCAM/spoof CALLS also ( daily )! Clearly they either also sold my number to cam artists/sites & /or are SO irresponsible their site got hacked & my info ( mostly my phone number/s ) was sold to scammers.

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 2020-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have struggled getting copies of all signed transactions by me. They refuse to send me this evidence. I have not received any bills from Capital One for a very long time. I made them aware of a fraud situation and a XXXX XXXX case I have pending in the legal process. They ignore me, refuse to return calls, we also have many Language barriers. They seem to just want to continue damaging my credit every month. I work hard to be a good citizen, they refuse to communicate. This is fraud. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TN

Complaint narrative:
I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX and I'm a veteran. Since XX/XX/XXXX, I was denied a loan modification, I was told om today XX/XX/XXXX that a loan modification was approved and the new mortgage payment will be over {$700.00}. This amount to high for me to pay and it does not allow for any emergencies. 

Now Bank of America is the problem since they never would approve an modification until now. They said my XX/XX/XXXX taxes " looked funny '' and that's why I was never approved. XXXX XXXX  from Bank of America had been helping me but its apparent that his loyalty is to Bank of America and not me, the mortgage payment needs to be no more than {$600.00}, That's only fair since to was Bank of America 's fault. 

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 non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I am a XXXX Recipient for XXXX- they trying to charge me for services not covered by XXXX- and I received an email from XXXX stating that I do not have to pay for it as I am a XXXX  recipient. 

The service date was XX/XX/2017. 

My account number with XXXX XXXX XXXX  XXXX is- XXXX My account number with Harvard Collections is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I move out of my old apartment in XXXX. Before I moved out I called XXXX to pay off any existing balances. I received a negative collection item on my credit report in XXXX from XXXX XXXX for {$640.00}. When I called the collection agency they told me they have been sending bills to a address in XXXX Massachusetts. However, I never lived in XXXX Ma. I live in New York, I have proof of this, I pay taxes in New York and they refuse to remove the negative reporting from my credit report despite me never receiving these bills or them contacting me. I dont mind paying the balance owed but I want the collection item removed from my credit report since they never sent these bills to me or contacted me. Is this legal, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CORELOGIC INC
State: IL

Complaint narrative:
I requested mortgage information online. A representative from XXXX XXXX  called me to ask additional information. She asked for our loan information and while reviewing other details with me said that they would need a copy of our credit report. She asked for my DOB and last four of my social. I didnt think she would pull credit because I didnt provide my whole SS number. She asked about my husbands info, but asked if he was in the current loan and I said yes. She then asked for his DOB and last 4 of his social which I gave her. Again I did not think she was using this information to pull credit because she never asked if the intention was for him to be on a new loan. Her questions were deceptive and lead me to believe she was gathering information from our previous loan, not to apply for the new one. My husband recently lost his job so we arent even eligible to apply at this time. Before I could provide any of that information she said she had to check with her supervisor and put me on hold. Then almost immediately a notification email came through that a new inquiry appeared on our credit. I did not authorize anyone to pull our credit. I did not provide my full SS number or my husband. I asked the representative to remove the inquiry that I didnt authorize it and she refused. I contacted someone in member relations at XXXX XXXX  and she also refused saying that I authorized it. I did not. The questions were deceptive and misleading. Now we both have hard inquiries on our credit reports for a mortgage we never intended to apply for. If she had indicated that she intended to pull my credit I would have said no. Please see how this can be removed from our credit. It will negatively impact our scores and we did not authorize or agree to 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 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Data Systems
State: SC

Complaint narrative:
XX/XX/XXXX, hung up on by staff XXXX as I asked for the details of what I owe Financial Data Systems for the amount of {$1000.00}. 

I, XXXX XXXX, was requesting that Financial Data Systems provide verification of this debt with account number XXXX. 

I, Requested the name and address of the original doctor bill, any signed documents to see specific doctor, any agreements made with the doctor, the account number, and the amount owed. Requested any signed documents with the doctor for his service and all original documents of XX/XX/XXXX medical services with the specific doctor claiming I owe. Requested Verification all details of the original bill and original signing agreements to such doctor, including all pages. Requested for Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX www.fdscredit.com shows that there is a valid basis for claiming I am required to pay the current amount owed of {$1000.00}. 

No verification was given to me from the medical bill including any agreements signed. I was sent an invoice and collection on credit reporting agency from Financial Data Systems for a debt of {$1000.00} with no validity to debt and no agreements signed for debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the doctor. My address is in XXXX XXXX and XXXX XXXX, I never got notice at my address of this debt before. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XX/XX/XXXX I contacted ditech a XXXX XXXX  to mediate purported loan. I corresponded and received confirmation of communication through XX/XX/XXXX. XX/XX/XXXX 3 people showed up at my house the one woman w/2 men who stood behind her saying nothing. she gave me a termination of right of occupancy and purported she bought home. she attempted to show me on the phone but one of the man pulled her arm back. I excused myself and they left. I called ditech and they seemed confused about the matter and would get back to me. I Than received last correspondence letter on XX/XX/XXXX about servicing transfer to XXXX XXXX  XXXX. I got a call shortly after from a lawyer purporting my home sold for XXXXdollars and he could help me. my ditech account states a last payment was made in the amount of {$53000.00} and county purports a sale of XXXXdollars. everything is noted incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Ocwen Financial Corporation
State: WI

Complaint narrative:
We Filed Bankruptcy in XXXX of XXXX. Ocwen Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group
State: VA

Complaint narrative:
Im filing a complaint against Ascendium/XXXX  XXXX XXXX/ Department of Education . I started going to XXXX, now XXXX ( XXXX College ) in XX/XX/XXXX and finished in XX/XX/XXXX. I was promised that I would be making more money with a degree and if not, they would provide me with a position making more money. When I finished my total was around {$18000.00} and I started paying monthly. In XXXX, I consolidated my loans, which means it should only be one loan amount and not two as they are reporting it. Sometime in XXXX/XXXX, it was determined by the government that XXXX  Colleges  was found to be fraudulent ; therefore, the loans were fraudulent and should have been discharged. At the time the total they said I owed was {$11000.00} and on another loan {$14.00}, XXXX. If you will notice, Ascendium wasnt on my credit report until XXXX, ( the year XXXX  was breached ) and they reported these loans as if I had attended school in XXXX. In XX/XX/XXXX, Ascendium seized my federal taxes of {$5100.00}, claiming I owed them. I was contacted in XXXX by XXXX XXXX XXXX and told they were in the process of garnishing my paycheck and to stop it, I had to sign a contract to pay or my paycheck would be theirs ; I had to sign and agree to pay, and I have the contract to which I signed. They have been debiting every month since XXXX {$78.00} until the end of this year and afterwards I will have to start paying more. The way the contract is written is as if I just applied for a loan to attend school. 
I reviewed my credit report and on my XXXX  report, it shows over {$20000.00} in student loans owed, but on my XXXX, it doesnt show any student loans owed ; they all are discharged, as they should be. 


A copy of this complaint will be sent to : Ascendium XXXX XXXX XXXX, XXXX WI XXXX Link to show that the college was fraudulent : https : XXXX Didn't have the correct problem to choose, but the problem is the loan was discharge and this company has picked it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TN

Complaint narrative:
I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-26 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX  XXXX  XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries XXXX XXXX   XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX. I have contacted the FTC and local police.

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 2020-02-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
experian will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter. 
experian also failed to reply back to me on this dispute 2 in which the took over 30 days which violates fcra law on dispute resolution time.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Despite numerous contacts with Capital One Bank USA NA A credit card issued to me was misappropriated and used without my permission. 
I explained to them that I could not have used the credit card as I was XXXX  in XXXX  XXXX  at the time. 
Capital One dismissed me by stating that I had given someone authority to act as administrator of my account over the phone and that I should have known about it. 
Despite my denials and proof that there was no way I could have used the credit card. 
They continue to post derogatory and negative remarks on my credit reports.

Company response to consumer: Closed with explanation