vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 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: NJ

Complaint narrative:
I have been disputing a charge with Capital One Credit Card since XX/XX/XXXX. I purchased multiple tickets through XXXX XXXX using my Capital One credit card. However, during the purchase transaction, Capital One initially denied the payment due to security concerns. After resolving the security concern, I was able to purchase the tickets. Unfortunately, duplicate tickets were purchased and Capital One did not stop the payment when I purchased the tickets on the phone with them. I was told to call the Airline company so it could be resolved. I immediately contacted XXXX XXXX and was told I would lose my money and not be given any credit. I received notifications of a duplicate ticket from XXXX XXXX but again was not able to obtain a refund. Capital One attempted to get me a refund but was not successful. After 6 months of disputing the transaction with Capital One, I was told by a representative that I would indeed be refunded the amount of XXXX. I called Capital One again XX/XX/XXXX to inquire about my refund and was told by a representative that I would receive the refund but would transfer me to a supervisor to have it processed. I was transferred to the supervisor who then told me that I would not be receiving any refund and that the other Capital One representatives did not explain to him that I would receive a refund. In the end, Capital One was not able to obtain any funds from XXXX XXXX and lied to me on multiple occasions about getting my money back. Capital One asked for a credit voucher from XXXX XXXX in order to refund me any money. How do you get a refund voucher from the company you are disputing the transaction with?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
debt paid through insurance, I have no knowledge of this debt

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 2019-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient is my student loan servicing agent. I have paid the bill each month. I have been ob a income driven payment plan due to my low paying XXXX XXXX job. I called to get the application to re-apply, they we will send it to you and they have done it and this has been over 4 months. I have made calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

No application. All I want to do is stay current with my student loan payments and they are stalling me not telling me the truth. It seems to me they want the student to default.

Well I am not trying to do that. Please help me! I want to pay, and pay what I can afford. My Human Resources Department Faxed over to Navient the Income driven application in XX/XX/2018 and they are saying they never got it. The Human Resources office has the paper work showing they did fax the application to them. They keep lying to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Last year, I subscribed to Experian Trusted ID Premier and put both a freeze and a lock on my account. I was notified today, XX/XX/19, that my subscription had expired and that, as a result, my account was automatically unlocked. So I called Experian, during their business hours, at both XXXX and XXXX to speak to a live person. I tried numerous times to reach a live person, but to no avail. I then called XXXX ( XXXX ), which partners with Experian regarding identify theft monitoring/identity loss matters. I got through to a live person. I told the rep that my account was automatically unlocked because my Trusted ID Premier subscription expired, but that I still had a freeze on my account. I then asked : Am I ok with just the freeze, or do I need to re-lock my account? The representative was quite rude and seemed indifferent ; she didn't have an answer. I then asked how I could get hold of a live rep at Experian. She gave me the number XXXX. ( IMPORTANT : I repeated the number to her for verification purposes, and she acknowledged I was correct. ) I then called the number. All I got was an automated answering system. It did not state which company/party I had reached, but did state that I'd be on hold for more than 30 minutes. So, I hung up. I then did a search online to see if the number, XXXX, was legitimate. The results showed that it was not an Experian number. Rather, it was assigned to a person, XXXX XXXX, on XXXX XXXX, in XXXX, TX. I am now concerned about the legitimacy of XXXX since their rep ostensibly gave me a bogus number.

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 2019-01-28 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!

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 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMPUTER SCIENCES CORPORATION
State: WI

Complaint narrative:
XXXX XXXX calls me daily even though I have never had a loan with them in order to try to collect a debt. They have told me my phone number must be mistakenly associated with someone else 's account and I have asked them to stop calling me ; however, they will not. One employee said they would put me on their do not call list. The next employee I talked to said there is no such list, but would forward my request onto a supervisor. I asked if I could speak to a supervisor, but was told there wasn't one available. This company is harassing me for no reason and is refusing to stop. This is my second complaint against them ; they did not respond to the first one and continuing to call me daily and then tell me there is no reason for me to be upset when I call them when they refuse to stop harassing me. Please help me!

Company response to consumer: Untimely response
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage services my mortgage. They have an escrow account to pay my property taxes and insurance. There is {$3100.00} in the account. XXXX county, GA, where the house is located, has sent me a final notice that my taxes have not been paid. I have called Shellpoint and gone thru their confusing, inefficient, automated phone system. When I finally got to a real person they could only refer the issue to the tax department, not pay the taxes. Nor could they tell me why my property taxes haven't been paid or what they are doing with my money. The tax dept. is not 'customer facing '' and I am not allowed to talk to them. XXXX County will soon be putting a lien on the house and I need to know my taxes have been paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I had a debt with XXXX  XXXX XXXX - XXXX that I paid XXXX XXXX XXXX {$1300.00} on XX/XX/2018. The next day I was contacted by XXXX  attempting to collect the same debt, when I informed them that I had paid it through XXXX XXXX XXXX, XXXX then filed it on my credit on XX/XX/2018.

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 2019-01-28 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: GA

Complaint narrative:
On multiple occasions I have disputed the incorrect account information reporting on my Experian credit file. Experian is showing a closed XXXX XXXX account that has late payments and a closed XXXX XXXX   account that has late payments. I have never been late on payments to any of these accounts. Furthermore, XXXX  and XXXX  have the exact same accounts reporting and they are reporting accurately with no late payments.

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 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Collections by MRS acct # XXXX, identity fraud. Other fraudulent names listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
EOS CCA keeps calling me about a 5 year old XXXX debt I incurred when I was waiting for XXXX. They yell and scream and are quite threatening in tone. They repeatedly call my daughter and ex husband of 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
In XX/XX/XXXX I recieved a XXXX for XXXX XXXX XXXX XXXX. As if XX/XX/XXXX, I discovered that the company no longer operates in the United States. The website provided this number XXXX, and instructed me to contact the address below. 

Another link provided this address : HSBC Attn : XXXX Customer Resolution Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX The number states to notify in writing the request for release of lien. Unless you are a lawyer the information needed is confusing especially when all you have is the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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:
I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Im not sure what number email I am on. I have been dealing with a fraud case since XX/XX/XXXX that needs to be resolved and get me my money back. I have spent HOURS on the phone. I have escalated it, spoke with them, escalated it above that wanting a supervisors contact info. They could not give it out so she left me a voicemail and I have left her numerous messages with no response. Her name is XXXX XXXX. I notified the CFPB, federal reserve, and a few others. I was contacted by somebody stating my case had been sent to an escalation resolution specialist, her name is XXXX XXXX. I was told she was REQUIRED to contact me by XX/XX/XXXX, which of course never happened until I sent another email then got a call a few days later stating she had been out of the office and it was still being looked into and they would have resolution for me by XX/XX/XXXX. I STILL have not heard anything and it is XX/XX/XXXX I have left her 2 voicemails and nothing. The whole problem has been communication. I WANT MY MONEY.

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 monetary relief
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: KS

Complaint narrative:
debt was removed by XXXX and reaged by way resource group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/2019 I initiated contact with a representative from Hunter Warfield to resolve a debt. I made it clear when I spoke to them that I needed to have the account completely removed from my credit if I was going to pay it ( not just showing a balance of " XXXX '' ). The representative stated that it would be and added that it should " fall off '' within 90 days. 

I asked for a letter indicating their intention to remove the account ( not just indicating the account has been " settled '' ) from my credit however they provided me a letter that did not and has not indicated that directly and I do not believe they intend on removing the account from my credit report as agreed upon. 

I called them a second time and requested they send me a letter using the words describing our agreed upon terms in " removing '' the account from my credit however they provided me with the exact same letter they did the first time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28 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:
I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.

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 2019-01-28 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:
I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.

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 2019-01-28 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: NC

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
I had received 2 letters from Receivables Performance Mangement ( RPM ). I  had just chosen one and opened it and the letter contained an offer to settle the debt in the amount of about {$370.00}. Later, after the ordeal, I found that the other letter contained an offer to settle in the amount of about {$290.00}. I called and spoke with a representative on XX/XX/2019 who proceeded to take my payment information to process the payment as settlement in full for the debt. I requested an email confirmation of my payment to keep for my records. RPM sent an email, but it was not a paid receipt, it was a copy of an offer letter that stated the amount was {$290.00}. At this point, I was confused because they just took a payment of {$370.00} so I called back to inquire about the difference of what they took and what the email said. I spoke to the manager, XXXX, who stated they would refund the difference but we would have to wait for it to clear first because it was not showing posted to the account as of yet. I proceeded to wait a couple days and I called back and spoke with the same gentlemen who at this time advised they would not refund my money and that I would have to contact my bank directly to stop the payment and then we could redo the transaction even though they knew at this time the bank would not be putting a stop on the payment. I called my bank and they processed it as a dispute, but after their investigation determined the payment was valid and would not refund my money. I feel that RPM misrepresented an offer to settle my debt and fraudulently took a higher amount because it benefited their employee and meant more money for his own paycheck. This is clearly false representation and I feel that the company is stealing my money when they were fully aware there was a lower offer on the account. Additionally, when I received conflicting information and contacted them about it, they again misrepresented an opportunity for me to get a refund of the overpayment, which I have not received as of yet.

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 2019-01-28 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: NC

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.

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 2019-01-28 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: NC

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information removed.

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