vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; Capital One Bank and their collector XXXX XXXX XXXX, XXXX. I notified both creditors on XXXX/XXXX/XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XXXX/XXXX/XXXX, I was XXXX years old when the account was opened. I received a response from XXXX XXXX XXXX XXXX that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XXXX/XXXX/XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XXXX/XXXX/XXXX pointing out that I was XXXX XXXX XXXX when the accounts were opened. On XXXX/XXXX/XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and saw that there is a XXXX against me. The reference number is XXXX. I DO NOT have contract with Capital One Bank USA, NA. This account is showing as being paid in full. This has been going on for more than 7 years and they have refused to remove it from my credit which is affecting me because I can not buy a house unless this XXXX is removed/deleted from my all XXXX credit report agencies. 
Public Record Details Reference Number XXXX XXXX XX/XX/2013 Status XXXX Amount {$1500.00} Classification XXXX Type XXXX Contact Details : XXXX STATE COURT XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I was delinquent in mortgage payments with Ditech which are now caught up. This is my Homestead. Meanwhile, a different company was sent to my home and because I was away from home, they broke into my home by breaking a door then they drilled out a second door lock, they wintereized and padlocked my home. They ruined the gate to my property. They STOLE ITEMS out of my house. I am BEING LIED TO about my account by Ditech representatives when I call and complain or try to get to the bottom of things. I was talked over and not given any respect nor the opportunity to ask the questions I needed to ask. Customer Service is no help at all. I want to stop the process but do n't know how because no one will tell me. It appears 2 additional companies are now involved. Charges are mounting up for expenses that are inappropriate now that my house payments are current. I am XXXX and I am being harassed because I am XXXX and a XXXX. Circumstances put me behind but I have worked through them and I can now make my payments on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I purchased a rush card in XX/XX/2017 for my federal income tax to be deposited. I received my income tax XX/XX/XXXX. On XX/XX/XXXX XXXX some one in XXXX made 3 transactions and ended up taking off my credit card XXXX. I contacted rush to let them know and cancel the card. They told me I had to go through a dispute to get my money back. I filed a police report and also faxed the dispute papersthey needed signatures for on what took place. I called customer service to see if they received the fax that said it takes 48 hours. I called 2 days later and they decided they made their decision and I will not be getting my money back. Customer service would not let me talk to a supervisor. I was also told they will refund me back my money XX/XX/XXXX. Now I 'm being told I wo n't be getting it. They also suspended my account and canceled my credit card and sent me an email saying they were going to be sending the remaining balance in my acct which is XXXX. I would like to take further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: TX

Complaint narrative:
Cornerstone Federal Loan service incorrectly reported that my student loans were late on XX/XX/XXXX. I have 3 90 day late payments. At that time they closed my account and transferred it to XXXX. I was on a deferment you can check the student publishing clearinghouse. I was able to correct this information on my XXXX report, but both XXXX and XXXX wont let me conference call with a Cornerstone representative. I 've filed 5+ online disputes with each Credit Bureau and each time the results come back that the information ca n't be changed. Please help me! I think that the online disputes are done electronically because if a live person called Cornerstone, they could verify with a representative that the information is updated on Cornerstone 's end, but not relayed to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We, XXXX and XXXX, do not owe a debt to DITECH FINANCIAL for the following reasons. It or its predecessors repeatedly acted to financially injure us in amounts that far exceeded an alleged debt, in violation of the contract and State law. In XXXX instance, the original lender, XXXX, or its agent charged my account approximately {$5000.00} in " legal fees '' but fraudulently reported the amounts I paid to the Internal Revenue Service as mortgage interest paid. We complained to the companies and demanded that the money be refunded or credited to the account. The amounts paid to the companies were applied illegally to " legal fees, '' but not the principal balance or " mortgage interest. '' The amounts paid to the companies, including damages far exceeded the alleged loan obligation. 
Further, under the laws of the State of California, the statute of limitations prevents them, or their agents or assigns from obtaining a judgment to collect on this expired, fraudulent claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have settled out of this account. The status of the account still states a balance and should have a XXXX balance and report as settled in full. Please update this so that lenders are provided the CORRECT and ACCURATE information that is NOT misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off 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 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I was frauded by a XXXX. they called me to loan me money. We went back-and-forth negotiating amount, percentage and terms. They wanted to deposit into my personal checking account through my mobile app. I checked with my bank first and they said that if there 's anything suspicious they would send me a code by text to my phone number. of course I could always change my password. so they make the deposit I 'm not knowing in what fashion and it shows up in my account. The bank accounted for the deposit. The bank did not inform me that it was just photocopies of these checks. Photocopies of the front and back so the signature could be seen. XXXX made two deposits in this way in the middle the night and they showed up being accounted for in my personal checking account. again I was ignorant of the photocopy deposits. I was to wire back money to an account manager from XXXX which in their words was proving my checking account and identity. when my checking account was accounting for the deposits I 'm thinking well this could be legit. Five days after the first deposit was made, the first check bounced. The bank called me to inform me so I go down to close the account and I actually paid for the debit that was incurred by the bounced check from XXXX. I informed the manager which was the second check from XXXX. She initially said she of course would put a stop payment on that check. she then realized I paid the transaction by debit card and said that she could not stop payment. So firstly my complaint is that the bank was excepting an accounting for photo copies of checks in the middle of the night with forged signatures. it was very unusual actually never did I deposit checks through the mobile app into my account. The checks were made out to me and then forged with a signature on the back of my name. Obviously it was not my signature. I closed the account before noon on XX/XX/XXXX, The checks were forged, photocopies, and known fraudulent and the back still cleared the second check. thus it bounced. I do n't care if it was the transaction initiated by debit card she knew the company was fraudulent she knew the check was forged and she still cleared it. First Hawaiian Bank did not have basic security to protect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have submitted a complaint previously regarding the same issue. I 've had a XXXX attempted credit card opened in my name without authorization. You all continue to blame fraud as to why I continue to have Chase credit cards being opened under my name for an XXXX XXXX credit card. You all have a partnership with XXXX and clearly a breakdown in security. I still hold Chase accountable for such relationships and the main source to a. ) running my credit and b. ) opening an account without doing any of your own due diligence. You simply accept what XXXX XXXX submits to you with no care whatsoever. I still believe you all are responsible call it fraud or not to ensure accounts are not being opened just for the sake of opening them. Has anyone checked to see if the employees of XXXX are being compensated for opening up accounts? How is this any different from what XXXX XXXX did??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter signed from XXXX ( of Chase bank ) in regards to my in regards to my initial letter disputing the credit inquiries on my XXXX & XXXX reports dated XX/XX/XXXX & XX/XX/XXXX respectively. She mentioned that this was a valid inquiry and stated that it occurred on XX/XX/XXXX. Not only did I not authorize or make any inquiry on XX/XX/XXXX or XX/XX/XXXX, but I did not make any on XX/XX/XXXX as XXXX specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: TX

Complaint narrative:
My Great Lakes, servicing my private student loan for XXXX student loans, is holding on to my Student loan repayment for interest while they send me on a wild goose chase to provide proof of the checks that were sent. I qualified for a military Student Loan Repayment Program ( SLRP ) in XXXX. The SLRP required my lender/loan servicer ( Great Lakes ) to send out a form with my account number, verifying the amount I owed. After several hours on the phone in XXXX and XXXX XXXX, I found out that Great Lakes sent out the form with a wrong account number ( form is attached signed by a Great Lakes Research Specialist ). They have received checks for just over {$14000.00} at the correct PO Box address since at least XXXX XXXX, but now claim that since the account number was wrong on the checks, they can not apply any payments to my account and need me to provide copies of the checks sent to them in order to find the said checks. The only proof I have that money has been paid is the XXXX I received for the payment. Since the military is such a large bureaucracy it is taking a long time for them to provide copies of the checks. Meanwhile, Great Lakes continues to hold {$14000.00}, which I imagine has been cashed into an interest bearing account, while waiting for me to provide proof they cashed the checks. So that when I do provide copies of the checks, they will apply it to my loans. I should not be sent looking for checks after they provided the wrong account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MI

Complaint narrative:
I set up auto pay through my financial institution to pay this company monthly. There have been several payments made electronically with no issue. Now all of a sudden they can not locate my XX/XX/XXXX payment that was due on XX/XX/2017. I started to receive several phone calls from this company regarding this issue. I explained to the representatives that the bill was paid and verified through my online banking and they continued to tell me that i was wrong and the payment has not been received. The representatives continued to blame everyone from my bank, to the post office as well as myself for even having to borrow a sum of money. Since this company is a 3rd party lender, i contacted the parent company XXXX, regarding this issue. After filing a complaint with XXXX, a manager, XXXX XXXX, that represents the company called me regarding this issue. I took this opportunity to call my financial institution that paid this company and had them on the phone at the same time. My bank had sent the lender a rolling bank statement via fax showing that the payment was made on XX/XX/2017 at XXXX ET and that the payment was accepted. My financial institution told XXXX XXXX that they needed a statement on their company letterhead stating that the payment was not received on the date and time the statement states the payment was made. XXXX XXXX did not seem to understand why she needed to do that and stated that she had to run it by the " lawyers '' which seemed very odd and concerning. XXXX XXXX did not seem to agree with the fact that she had to dig a little deeper into the issue seeing as how her company is alleging that the payment was n't made and disputing the issue. I did EVERYTHING i needed to and also went above and beyond considering that all my information states the bill has been paid. XXXX XXXX was also given direct contacts along with their phone numbers, e-mails and rolling bank statements. It is not my fault that this company can not keep track of the payments that are received. I set this bill up for auto pay so i would not have this issue. i have also made several attempts to contact a representative from this company, along with leaving XXXX XXXX several voice mails requesting an update regarding this issue with no response. Also this company has several reviews online with similar issues. Something needs to be done regarding this company. Many issues have been reported online very similar to the issue that i am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received from the Bank of America a XXXX card that I did not ask for and did not want. Went to the Bank office here in XXXX Ca. where I asked for an explanation and what I got was insistence that I should keep the card regardless if I wanted it or not. The argument lasted over half houer because the XXXX put me on the phone talking to someone that also insisted that I keep the card, I was getting very aggravated when finally he had the nerve to ask me if I had other accounts with other banks, I responded that it was none of his business.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company response to consumer: Closed with explanation