vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Friday XXXX XX/XX/2019, I got a letter from Capitol one showing I had an account with them with a {$1500.00} cash advance limit with them and a {$3000.00} credit card limit with them. 

Balance owed was {$0.00} Minimum payment was {$0.00} No invoice # on page. 
Account ending in XXXX Number @ Bottom of page : XXXX XXXX XXXX XXXX I called XXXX On Friday XXXX XX/XX/2019, @ XXXX XXXX  call lasted for 39 minutes. 

I asked for who I was speaking with and they would only give first names, if it really was their true name. They never gave me a full name, only 1 gave me a badge # if it is real. 

I spoke with : XXXX  but given no badge # XXXX Badge the badge number she gave me was # XXXX Document is included, 2 pages, both sides filmed. 

I asked for them to close the account, and asked for a confirmation # in which they would not give me one, and I was denied an answer. 

I asked for information of who opened this account, and was intentionally denied an answer. 


Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx List of actions requested : I need to know Who opened the account under my name and information. 

I need a confirmation # the account is permanently closed. 

I need a confirmation that any and all correspondences to any firm or firms by Capitol One that affect my fica score or any other type of credit score be immediately reversed, and documents stating such be delivered to me by e-mail below. 

I need Capitol One to completely remove all of my personal and intellectual property from all their data banks, and I need a correspondence stating they accomplished such. 

Any and all information about who opened this account. 

I do not think my request is unreasonable, I did not open this account. 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Thank you for your time and expertise XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Ca. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: SC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request that you waive the fees and allow me to skip a month of payment and move it to my last payment. Its true that I am late, but there were extenuating circumstances. 

However, on XX/XX/XXXX, a tornado hit the city in which I reside in. As you can imagine, my priorities instantly shifted. 

I will promptly resumed payments in XX/XX/XXXX, but by then it will be too late to avoid being assessed the late fee. Im also concerned that this will cause my interest rate to rise, or that it will otherwise affect my credit. 

Please consider reversing the fee in light of these unusual, one-time circumstances. I wish to remain in good standing with your company/agency. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I've been having problems with my XXXX, been seeing a doctor in XXXX as a result I have XXXX  XXXX XXXX and XXXX, I have health insurance but still have to pay 20 % each time I go which is twice a month if not more. 
I filled out a loss Mitigation forms with loancare but the denial my claim. 
I just can't seem to get back on track with my payment. My mortgage payment is about to be 3 months behind, I've been sending them money as I have it but they aren't putting it on my mortgage payment. They just keep adding late fees.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
Today I answered a spoofed number that has been harassing me. They claimed they were the CBE agency and they've called me 5 times in four days during work. I asked what it was for and they said it was for XXXX, I wasn't aware I owed anything. The rep XXXX XXXX stated they sent me over 5 letters so I asked for dates they weren't sent.She then stated it got sold to them and they sold it to another company. I asked for the address to the company so i could send a validation letter she wouldn't give me one. I then asked why isn't another company contacting me if they sold them the debt she couldn't answer. She stated she couldn't give me dates sent but they were sent multiple times. I asked to speak to the supervisor who the rep stated was XXXX XXXX. The supervisor got on the phone and she stated today was the first time they contacted me and they also have a address which they gave me as XXXX XXXX XXXX XXXX, IA i XXXX  it and I'm not sure if that's even correct. I was never sent anything before. They couldn't even tell me what it was for only it was from XXXX. It doesn't make sense because it's all conflicting info, and I expected to get answers but just got a hard time. 

They've called me XX/XX/2019, XX/XX/2019, XX/XX/2019 and twice today the XX/XX/2019. They didn't leave any messages and according to XXXX they've called many more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: FL

Complaint narrative:
XX/XX/2019 someone bought {$870.00} merchandise in electronics dept. in XXXX in XXXX, fl store # XXXX at XXXX XXXX. I was at work at XXXX XXXX XXXX in XXXX, Fl. they produced an old drivers license of mine from fla and my checking acct, number, Check number # XXXX was a number way higher than what bank had issued me. I have never lost my checking acct.or drivers license. .It caused an overdraft to me. XXXX XXXX XXXX contacted me - we closed checking, savings debit card. and made fraud report. I contacted XXXX AND FILED FRAUD REPORT.- Reort # XXXX ID # XXXX, I contacted XXXX Police dept. and filed fraud report -- report # XXXX. XXXX told me that was an expired drivers license number and old name on it. All the paper work was sent to XXXX. in XXXX. They issued me a report back from there fraud Dept. One month later, I get Bill from TRS Recovery service - Telecheck wanting this $ $ money owed plus {$25.00} fee and stating me I would be put on bad list till this is resolved. Talked to them on phone -proven this was not me. I shouldn't never been sent to them for collection, - I also reported to all 3 credit bureaus and a freeze on my reports. I want this taken off my credit report - i do not owe any money to anyone this was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-10-22 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XXXX my roommates and I found the property XXXX XXXX XXXX, managed by the company XXXX, online and as I am the only one of the four of us in the same state as the property I took two days and rented a hotel to see it in person. In order to view the apartment/townhome, we had to fill out a lease and put down the {$100.00} application fee as well as a {$350.00} deposit. When I arrived it was to find XXXX XXXX XXXX was not the clean and safe community advertised ; the streets were in disrepair, the garbage was overflowing onto the street and people 's possessions appeared to have been thrown out on the lawn. When we inspected the apartment itself not only was it outdated, there were cracks in windows and patio pavement, part of the stair railing missing, and old carpet in a filthy condition. As this was not at all what we'd been led to believe we were paying for I asked for our money returned. First with the community office, where they were very confrontational and when it became clear we could not reach an agreement I then contacted my credit card company to file a dispute. My credit card company refunded the money and XXXX agreed to send a check back. I informed the XXXX 's office multiple times that I would not open any mail or check addressed to the other three people on the lease as they do not live with me but the company sent a check addressed to the four of us to my address anyway., this was around XX/XX/XXXX. I sent it back. Recently, as of XXXX, I received a letter and three other letters addressed again to people who I'd informed the management at XXXX XXXX XXXX multiple times do not live with me. The letters were from a collection agency and the one addressed to me stated I owe XXXX XXXX XXXX {$400.00}. I can confirm they also requested the same amount from my potential roommates. After being promised a return of our money they are now requesting through a debt collecting company that we pay {$400.00} each ; and will damage our individual credit scores if not paid. I attempted to contact the debt collecting company, XXXX XXXX XXXX, and spoke with a representative who not only refused to transfer my call to a supervisor but hung up on me. I then attempted to call the Corporate Office for XXXX at XXXX and have yet to receive a call back after leaving a message about the situation. The application fee was {$100.00} if that is what they are requesting we pay, not {$400.00} each. I can only assume this is some sort of petty scam for extra money, the consequences of which are going to have a negative effect on my credit. I will also be contacting the XXXX XXXX XXXX on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: AES/PHEAA
State: MD

Complaint narrative:
This complaint is in regards to old student loans from FedLoan through the gov FAFSA program. FedLoan refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy.

Because of this i can not get approved for a credit card or for my first home purchase. Legally FedLoan is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The FedLoan student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. FedLoan refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, XXXX, and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
The company Helvey & Associates Inc is reporting negative information illegally, unjustifiably, and refuses to acknowledge or respond to my request for retraction of their negative credit reporting. I have notified them initially by telephone, that a utility bill for property address XXXX XXXX XXXX XXXX, Florida must be removed from my credit report for there failure to properly notify me of this debt as required by both state and federal fair debt collection practices acts. It has been established by both myself and there customer service representatives that they sent the original dunning notice to the same service address that they provided the service too, at this property that I never lived in since it was a short term ownership for investment purposes. Since I did not receive the proper notification of this account being delinquent, this account ended up on my credit report without meeting the requirements under law for credit reporting. I followed up with them notifying them of this situation in writing on XX/XX/2019 ( Exhibit 1 attached ) - a correspondence to which I have yet to receive an acknowledgement or response from Helvey and Associates. This situation is extremely frustrating as I am being penalized on my credit report for an unfair, unjustified collection that I was never given the proper notification as mandated in FDCPA laws. This error, and Helvey Associates refusal to correct there mistake is causing me significant financial, emotional, and psychological damages due to my credit score dropping significantly- and not allowing me to refinance my investment properties or acquire new ones at the best terms I would be getting. These damages are in the tens of thousands of dollars and I will be pursuing a legal claim for them if this situation is not rectified immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I tried to make a payment on the Caliber home app. It was down all Friday that was the day I got paid ( XX/XX/XXXX ) I have never been more than 30 days late on my mortgage but it was a rough XXXX this year. I forgot that I my payment did not go through and remembered on the XXXX that I needed to still pay my mortgage. I made a one time debit cardPayment which was made on that day .On my card it shows that I made a payment to caliber home loans on XXXX of XXXX. Caliber shows that I didnt get to them until the first Because it was on a Sunday After hours. I paid a XXXX dollar fee to have it credited to my account that same day. I talk to XXXX from caliber home loans which she did not really want to hear anything I had to say other than the fact that it didnt get to them until the first. I told her if their app was working then I wouldnt have this problem. And I wouldve never paid the XXXX dollar fee to have it deposited that same day. I called them and tried to settle it with caliber home loans XXXX had nothing to say other than they are not taking it off. Thats not fair, they show that I was logged on my account on XX/XX/XXXX trying to make a payment. I should have been shown some type of understanding and been able to get that 30 day late charge removed. I have never been more than 30 days late ever. I will be looking to switch my loan with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint is against Capital One Bank regarding account # XXXX XXXX ending in XXXX, open XX/XX/2019 status open. I have always been a loyal customer to the mentioned company and personally like making business with them. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to Capital One what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if Capital One Bank does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. So please Capital One help me here, I could be a fraud victim and I might not even know it. Plus, I have never been late with the company before. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The XXXX Visa Card has been promoting XXXX Rewards points for every dollar spent in the following categories since XXXX : Gas, Groceries, and Dining Out. This is in addition to always receiving XXXX Rewards points for every dollar spent in their own Stores all the time. Since XXXX I have been receiving the bonus/promotional points in the Gas, Groceries, & Dining out categories correctly until in early XXXX I noticed a problem with the Points calculations. On the XXXX statement generated XX/XX/13 I should have earned XXXX points, however, the statement only shows XXXX points earned. I called Card Holder CS and was told this takes 1 - 2 billing cycles to calculate and this is incorrect/untrue as this had been working correctly since XXXX without any issues up until XXXX. I escalated to a Supervisor who agreed there was a problem and told me she submitted a ticket for this to be reviewed and re-calculated. A few days later I received an email with an amount of {$10.00} versus {$5.00} for the Reward issued on my XXXX statement. This is still not calculated correctly. I also took the time to review my XXXX statement and points and I was also shorted on that one. On the XXXX statement I was shorted XXXX points = {$5.00} and on the XXXX statement I was shorted XXXX points = {$30.00}. And my points are still not calculating correctly now. I do not feel I should have to wait 1 - 2 more billing cycles for this to be corrected. I have been a loyal XXXX customer for over 5 years and I have had this card for a year and a half without any problems until now. I am attaching the XXXX and XXXX statements as well as a detailed listing of all transactions and points calculated.

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