vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO STUPID, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
I started paying back my student loans sometime last year and I was eligible for forgiveness on the loan but was not informed from the company my loan is through ( Nelnet ). A different company contacted me and told me I was eligible and told me that nelnet should have contacted me about the forgiveness. They told me I could file against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX called repeatedly before XXXX XXXX  on XXXX/XXXX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EQUIFAX BREACH - TRUSTEDID NOT PROVIDING SERVICE as promised. I signed up for TrustedID as Equifax 's offered solutions for my account being involved it the breach. My TrustedID account is fully set up, and I received an alert about my account via e-mail. TrustedID would not allow me to log in for a very long time - the portal does not work! Finally after 31 tries, it logged me in. The items appear fraudulent but it does n't offer a way to flag or report them. I tried calling the fraud/customer service line in the TrustedID e-mail and it renders a BUSY SIGNAL! This is perpetuation of the scam and breach by Equifax and is a complete failure to provide the promised service. I suspect it is affecting millions of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NY

Complaint narrative:
Equifax, has been reporting items since 2012 on my credit report that do not belong to me. I have been asking them to remove these items year after year but I guess because I can not afford a lawyer they just ignore my request. I am a single mother my XXXX XXXX XXXX and this all has me stressed to the max. I have told them repeatedly that I am a victim of identity theift and they have done nothing to help me. I have sent in police reports dr reports of what this is doing to me and XXXX XXXX. I ca n't even move because of all the fraudulent credit inquires they have listed on my report which all the other agencies have removed accept equifax. I feel like my rights are being violated and they just ignore me because I do n't have a lawyer. But I plan on contacting the local news stations in the matter because it 's been yrs and I keep spending money writing them with no response to solve the problem. I want those XXXX  credit inquires removed off my report as they are fraud as well as everything else I wrote them and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase approved me for a card along with a XXXX balance transfer @ 0 % intersest for 18 months, No where and at no time did they say they might reduce that amount. If so provide a copy of a written signature or a recording of a phone call. A few days later I got a letter in the mail from them stating that the address for the creditor where the balance was being transferred from was n't correct and they could n't complete it. Again, no where on this letter did they state that the amount was going to be less than 1700. I called to give that address to them at which point they told me they were only going to transfer {$1000.00}. If the address was n't an issue they would have only transferred {$1000.00} without ever telling me they had reduced the approved amount. This is bait and switch and against the law in GA. O.C.G.A. Sections 10-1-390 et seq I would rather we settle the issue here instead of me getting the State Attny General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NH

Complaint narrative:
Tried to call to find what the debt was. I never opened a credit card and companies would not give any info other than date opened date closed and date bought. Original debtor said debt was bought jobinfo available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have expressed my concerns with Capital One regarding my second credit card which ends in XXXX I have had 3 executive office representative have the same answer but there is no resolution. I was denied a credit increase from Capital One a couple of months ago. They stated the reason for this denial was that my payment was returned. I have made my payments on time to Capital One for years!!! I only wanted the {$250.00} increase on the first card. I was encouraged to apply for a second card by a Capital One representative. I was approved but the interest rate is 24.99 % which is absolutely too high of a percentage. 

I have expressed to Capital One that I only wanted the increase from the first card. I have a good payment history and should have not been denied the credit increase. I now have another credit card in which I really did not want the extra debt! The fees are extremely expensive and told Capital One that I think that this was a ploy to give me another card so that I could owe Capital One more money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NJ

Complaint narrative:
I sent an investigation request to Equifax forty-five days ago, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America deliberately falsified loan application documents related to a request that they refinance the outstanding mortgage on the property in question. When confronted with the false loan amount, which should have been about $ XXXX instead of $ XXXX ( see attached payoff letter ), Bank of America said they would fix the false loan amount on the back end, but they never did fix it. The loan application was denied in a letter dated XXXX XXXX 2017 based on that very falsified debt, saying the applicants debt to income ratio was excessive.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck. 

My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX, Experian Member ID # XXXX 

Today, XX/XX/XXXX, I was on the phone for 2 hours and approx. 20 minutes trying to correct one item on my credit report. While on hold my call was dropped. 

My issues : I need to resolve one item on my credit report Experian does not list an email and it is impossible to connect with them I have paid {$24.00} for the past few months for their service and I am unable to contact them in a timely manner Thank you, 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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l.
State: KS

Complaint narrative:
I had a home warranty with XXXX XXXX XXXX. I have maintained the warranty off and on since I purchased my home in XX/XX/XXXX. The last series of claims were handled very poorly, with problems continuing to persist. A complaint was made to XXXX and I was told repeatedly that it was due to a high employee turnover at the time. As for the service ... It appears they bandage mechanical issues, rather than repair the source ... causing ongoing issues, creating more revenue from deductibles. I decided I needed time to shop around for another home warranty before I paid any more premiums. I was under no contract, and was told multiple times, over the course of the business relationship, that a cancellation notice was never needed. If I no longer wanted their services, I simply stopped paying. That is what I did. I received a letter from Nationwide Credit , Inc stating that they are collecting a debt of {$180.00} from XXXX XXXX XXXX! So XXXX continued to bill be for FOUR MONTHS, then turned it over to collections. I have had ZERO claims since the last series that was handled so poorly in the fall of XX/XX/XXXX. This is a complete racket!! I should not owe this amount. And if I do n't take care of the " debt '', my credit score will suffer. That I can not afford ( a drop in credit score OR the debt ). I am a single mother with XXXX children, receiving no support from the non-custodial parent or anyone else, just recently in XXXX from XXXX XXXX XXXX XXXX XXXX ... ..I should NOT owe this debt. When I have tried to contact their billing department, the recording says the wait time is greater than one hour. Not surprised, considering their new business practice. When you try to contact their SALES department, there is ZERO wait time, but they will not answer my billing questions. This home warranty company needs to be closed down. Please contact me to discuss my options. 

XXXX XXXX XXXX Contract ID : XXXX ( XXXX )  XXXX Nationwide Credit, Inc Account Number : XXXX ( 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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX stated that I caused or ALLEDGELY caused some type of " property '' damage to a neighbor. I received a letter from XXXX XXXX XXXX in the mail on XX/XX/XXXX 
On XX/XX/XXXX I email XXXX XXXX XXXX regarding the claim to the email address they had on file " XXXX '' I email them on the following datesXX/XX/XXXX XX/XX/XXXX ( Twice )XX/XX/XXXX I received a letter from JNR Adjustment Company ( Debt Collector for XXXX XXXX XXXX ) onXX/XX/XXXX. I called JNR Adjustment Company on XX/XX/XXXX @ XXXX XXXX 
XX/XX/XXXX@ XXXX XXXX 
XX/XX/XXXX @ XXXX XXXX 
I did not receive a call back from the company, so I XXXX the company name and owner XXXX XXXX and email him at XXXX onXX/XX/XXXX 
On XX/XX/XXXX, I received a call from XXXX from XXXX at JNR@XXXX He left a message and I called him back at XXXX 
XXXX called me back at XXXX. I informed him that the call would be recorded. XXXX informed me that he did not want to be recorded and immediately ended the call.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Experian and XXXX I did a dispute with for account that show on my credit report XXXX XXXX account # XXXX I disputed this as not accurate not mine and it came back as updated as investigated correct. It stayed on my credit report. so I called XXXX to find out what information they had, I was send to there special accounts dept. they ask my SS #, MY ADDRESS, MY FULL NAME AND THEY HAVE NOTHING on record. So my question is where did these credit reporting agency 's get there information to say it is correct and leave this on my credit report. I would like this off my report it is negative and hurting my credit score. I hope you can help?? 
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 non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: ND

Complaint narrative:
I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
J.P. Morgan Chase bank foreclosed on my house on XXXX XXXX, 2017 without Notice as required by law. I notified the attorneys of the deficiency  many days before foreclosure and they ignored my notification and foreclosed anyway. 

J.P. Morgan Chase Bank qualify as a third party debt collector as defined by the FDCPA 15 U.S.C. 1692a ( 6 ), hence not a security interest and has no right to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX 
Bankruptcy chapter XXXX was filed on XX/XX/XXXXand Discharged by Federal Judge onXX/XX/XXXX 
Credit reporting agencies are reporting my credit scores at 574 and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
Equifax and XXXX has 26 unauthorize inquiries that needs to be deleted permanently. 
XXXX has only two authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why Equifax and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
After the Equifax security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies.
As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no  interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

Company response to consumer: Closed with explanation