vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
on XX/XX/XXXX I made an in store payment of {$4500.00}, witch I have receipt and counselled check drawn on XXXX  ; this was a bank ck not a personal ck. the ck number was # XXXX. The money was applied to my card and I thought the problem was over, until for whatever reason I received a ck from XXXX XXXX  in XXXX Fl. on XX/XX/XXXX for {$4000.00}. I went to XXXX store manager and tried to get this fixed, but after calling the card number, they could not help me. I received a statement from Capital One Bank on XX/XX/XXXX ( notice the year is NOT a mistake ) that had a balance as of XX/XX/XXXX of - {$4400.00} after charges and debits and credits of {$480.00}, there was and ending balance as of XX/XX/XXXX of {$4000.00}. On XXXX I received a statement that had a balance of {$4700.00}, of witch I did not put on the card. What was placed on the card in XX/XX/XXXX and XX/XX/XXXX was paid off. I have counselled ck and receipts from XXXX. I still have the money that was sent back to me in the form of a ck XX/XX/XXXX for {$4000.00}, I will send this back to the card co, I was waiting on them to clear this up. However the {$710.00} they have charged me for fees and interest I should not pay, this is my complaint. PLEASE take care of this mater, thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account XXXX XXXX .Civil Court XXXX XXXX . XXXX XXXX XXXX gave Power of Attorney for Mrs. XXXX XXXX for Ms. XXXX XXXX to pay for an Attorney who was Mr. XXXX XXXX for suing for {$87000.00}. Civil and Surrogate Court XXXX XXXX. Wire Transfer was done with Chase JP Morgan Chase Check of {$10000.00} for XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened Capital One account in the morning of XX/XX/XXXX by visiting one of your locations in XXXX, MA. In the evening of the same day I attempted to link an external bank account to my Capital One account and was not able to do so. 

I telephoned Capital One to inquire about the problem and learned the following things : 1. The combination of my name and my phone number was not stored in some Capital One internal database and therefore Capital One, as I was informed by one of your associates named XXXX XXXX XXXX. XXXX, MN that Capital One banking products and banking platform is not appropriate for customers like me. 

2. The same individual named XXXX, informed me that Capital One is only serving customers who can directly and effectively communicate with Capital One associates like XXXX over the phone in XXXX or XXXX. Capital One refuses to serve customers who can not effectively communicate in XXXX or XXXX and prohibits the use of interpreters when communicating with Capital One. 

3. When I contacted Capital One throuhg an XXXX language interpreter, Capital One blocked my account completely claiming that some sort of criminals possibly from a XXXX group associated my ethnicity was trying to break American banking system. 

None of the requirements that a ) my name and phone number should be listed in an internal proprietory Capital One database or a database of one of its business partners, and b ) Capital One must have an ability to communicate effectively and directly with the customers in XXXX or XXXX, are listed in Capital One 's disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I try getting a copy of my credit report sent to me by mail from equifax and they wouldnt send me a copy of my credit report at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was checking my credit report with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX like I usually to do and I noticed that my score was down 27 points. I went to check the reason because for me my credit is very important and I paid on time but I found a Debt Collection on my report from I.C. System Inc., for the amount of {$6300.00} linked with XXXX XXXX but I never had XXXX services so I make a phone call the Collection Agency at that moment ( XXXX ). They asked me for my name, social security, date of birth, address and phone number that I provided and I denied this transaction with XXXX and explain to them that I never had this service. The representative told me that my address doesn't match either my phone number but my name, social security, and date of birth matched. They had on their records XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the phone number linked with this account is XXXX data that I do not recognize at all. They filed a case of fraud and identity theft with Reference # : XXXX. Immediately after I went to file an Identity theft report with the XXXX XXXX Police Department where I live since XX/XX/XXXX and they filed a report for fraud and identity theft case # :XXXX and because of jurisdiction issues I have to report the city linked with this fraudulent transaction I called to the XXXX XXXX Police Department after and they filed a report for fraud and identity theft with a case # : 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 2019-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Circle Internet Financial
State: MA

Complaint narrative:
Poloinex froze my accounts where I have cryptocurrency in them. I try contacting them but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 (  a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by Equifax and XXXX, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3. CREDIT CARD CHARGEOFF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. 
My credit score through XXXX  was XXXX. 
I want to know why SS, LLC gave such a low credit score. 
I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. 
The application number on the denial letter is : XXXX. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX should not have foreclosed on my duplex. I was making payments on my duplex but not on the second mortgage because it was paid. The second mortgage was subordinate to the duplex loan. I believe the foreclosure balance was the balance of credit cards paid off in the two loans. 
XXXX second mortgage XXXX duplex loan XXXX When I bought my house our down payment was {$57000.00} Did they pay the credit cards and add the down payment back into the loan? 
There was no down payment on my duplex I paid cash. There was however a loan for the rehabilitation. Did they pay this loan again? 
We owned several other properties in the XXXX I now wonder if those down payments were used for the huge credit card limit ( {$180000.00} ) of which we used only a fraction.

If this is the case i already paid it back in the monthly payments I  made to those cards. In addition a portion of the claims were already included in the mortgages I paid off. Those companies made no claims but it appears this money was or is being paid to debt buyers. 
XXXX XXXX made no claim because it was paid XXXX XXXX made no claim because they foreclosed. XXXX XXXX made no claim because they paid themselves with my escrow surplus. I paid commerce 3 % monthly payments for 4 years for money I gave to them in the mortgages. 
There is no loan on my house yet they threaten foreclosure on a balance I believe is actually the money I have paid back to myself. 
There is no balance. This money would be a balloon payment I do not owe. I am making escrow payments to this non existent loan while they pay me back by paying my taxes and insurance. 
I believe This loan no one gave me is now held by XXXX XXXX because it was laundered through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK N A HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: WI

Complaint narrative:
WSFS will not apply a principal only payment as instructed over numerous messages since the date of the payment at the end of XXXX. They are also not applying full payments to my account as of the day they come in. 

Screenshots supporting all of the details below will be attached : Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Principal only payment of {$230.00} delivered on XX/XX/19 but not processed until XX/XX/19 and was NOT processed as principal only. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but not processed until XX/XX/19. Regular payment of {$230.00} for XX/XX/XXXX delivered on XX/XX/19 but will not processed until XX/XX/19. 

WSFS loan statement dated XX/XX/2019 is missing the payment delivered on XX/XX/19 for my regular XX/XX/XXXX payment. 

Message detail will be attached for the following : First message send by me on XX/XX/2019. Follow-up message sent by me on XX/XX/2019. Automated response by the company onXX/XX/2019. Another follow-up message sent by me on XX/XX/2019. First  response by the company on XX/XX/2019 in which they stated they could not find XX/XX/2019 payment. Follow-up sent by me on XX/XX/2019 stating it would be the payment they had processed on XX/XX/19 that should be principal only. And that the payment they had processed on XX/XX/19 should be for my XX/XX/XXXX payment. Another follow-up sent by me on XX/XX/2019 again requesting that my payments be corrected. Yet another follow-up by me on XX/XX/2019. Company responded on XX/XX/2019 stating that all payments are held until the actual due date and additional payments for principal only need to be made manually by me. Response by me this morning on XX/XX/2019 is that I do not understand what manual payments are and that my XX/XX/19 still needs to be corrected to principal only and all subsequent  payments correctly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCHRONY BANK HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and my address was XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX County, NJ. My home is in foreclosure with Ditech Financial. I am attempting to proceed with a deed in lieu however, they advise me there is a judgement against me. IT IS NOT. The judgement is against XXXX and XXXX XXXX of XXXX, NY. It was filed in XXXX County, NJ by a gentleman named XXXX XXXX in the amount of {$11000.00}. 

How does this get corrected? The mortgage company will not listen and has been stonewalling me since XX/XX/2019 - advising me about this judgement last month. 

Please tell me how to fix this - I have no money as I am unable to find gainful employment in the state of NJ that will support an apartment and fear I will be homeless soon. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I filed a complaint against Ditech Financial in XXXX. They resolved part of the issue but not all of it. The complaint should not have been closed. Complaint XXXX. Ditech Financial has been misapplying all of my homeowners insurance payments since XXXX. I have provided proof, my bank provided proof, I have called, sent letters, bank called on my behalf etc. refer to original complaint. I received a letter from Ditech admitting to misapplying all the payments. They stated they found all of them but XXXX and I need to pay XXXX. Really? Look harder! Ditech you think I have been fighting with you for months and I didnt send XXXX. You admitted to misapplying every payment since XXXX, yet you insist I am still behind. XXXX payment cleared by account XX/XX/XXXX and you have been provided proof multiple times. There will be no further payments. Your half apology is not good enough. Your staff has been rude and your company was and is wrong.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Frequent calls, early morning, from always different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 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: VA

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BQ & Associates, P.C., L.L.O.
State: MO

Complaint narrative:
BQ & Associates, P.C., LLO called me repeatedly regarding debt owed to them. Throughout the process there were several reps who would be disrespectful, aggressive and use bullying antics as a means to collect on debt. For example, being told if I did not come up with a lump some payment and refusing to take my payment arrangements. A rep from the company, XXXX ext. XXXX, during a call was cutting me off as I spoke and threatening me that I could not ask questions regarding the settlement that was agreed upon or get the agreement in writing. I was told that I was not in a position to ask questions or negotiate anything. If I asked about payments he would cut me off and sigh. As I continued to ask questions he used condescending tone and made statements that caused me to have a break down on the call which included me sobbing, yelling and asking him to stop. I was treated like trash. My concerns were reported to his supervisor, XXXX, who indicated he would look into the call. However, XXXX continues to contact me after I indicated that I did not want him contacting me. Because my aim was to resolve the debt, but through another rep I asked to speak with a manager or an attorney and was not allowed to do so. I called repeatedly and then an operator finally patched me in to XXXX who took my concern, but never reached back out to me. Instead, XXXX called me again. This is not the first time that I have had concerns with the reps who contacted me. I have saved voice mails from them as well as dates when I have asked them to discontinue contacting me and to use mail as correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03 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: VA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, 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 2019-11-03 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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). 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 non-monetary relief
Consumer complaint received 2019-11-03 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: CA

Complaint narrative:
EQUIFAX VIOLATES FCRA RE ACCURATE AND COMPLETE REPORTING AS A PATTERN AND PRACTICE. 
I AM SUING EQUIFAX REGARDING THEIR REPORTING OF XXXX XXXX XXXXI HAVE ATTACHED MY DEMAND LETTER AND CURRENT DISPUTE

Company response to consumer: Closed with explanation