vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One continues to send me prepaid offers for a previous tenant, one who has  been gone for several years. This is creating a threat vector for this individual who could have his identity compromised by an individual (the new tenant, currently myself) who could use this constant barrage of pre-approved offers to the old address.I've sent pictures of the letters multiple times to privacy@ and abuse@ Capital One and there has been no response or change in their behavior.  In my opinion, they should not be sending pre-approved offers to individuals who do not live at the residence on file, especially if the postal service or the current tenant advises them that they are leaking possible PII and providing an opportunity for third parties to accept pre-approved offers unauthorized on their behalf.Please have them stop sending me offers for the previous tenant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX  on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I FAXED OVER MY FTC REPORT SEVERAL TIMES AND EQUIFAX STILL CLAIMS IT NEVER RECEIVED IT. THEY MESSED UP AND HAD 2 CREDIT PROFILES ON ME AND STATED THAT IT HAPPENS SOMETIMES!!!! I AM A VICTIM OF FRAUD AND I WANT THIS REMOVED FROM MY ACCOUNT!!!!!  ONCE AGAIN I AM SUBMITTING EVERYTHING, BUT THIS TIME I HAVE PROOF THAT IT WILL BE SENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I placed an application and paid the application fee for the apartment complex XXXX XXXX. However, I never signed a contract or lease to lease an apartment. I only placed a application and inquired about the apartments. The company is now charging me 300+ dollars and because I refused to pay they placed the debt on my credit report. I don't know where this charge came from because I paid the application fee of $XXXX  in full so not sure why they are showing that I owe them anything.

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 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In my complaint #XXXX  with TransUnion, I requested the cleared debt with XXXX be removed as it was connected the XXXX XXXX collection, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by TransUnion, which was dismissed and closed by the court, is the XXXX  account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as TransUnion.  Please refer to complaints #XXXX   & #XXXX and add this problem to those.thanx.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXXas it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
The original company is XXXX I don't owe them any money.  They also sent letters to an address that is not mine. and once I received notification from Convergent Outsourcing I contacted them about the debt.  When I spoke with the XXXX representative the person told me that she could not access my old account to even provide me with any information.

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 2019-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I consolidated my XXXX student loans back in XX/XX/XXXX through AES education; and I have been making EFT payment to AES since XX/XX/XXXX. I began my XXXX program through XXXX UniversityXX/XX/XXXX. I did not request financial aid or assistance. However, I noticed back in XX/XX/XXXX that payments had not been removed from my account. I called AES and spoke to XXXX on XX/XX/XXXX, I questioned why my student loan payments had not been removed from my account. XXXX stated because it "automatically," went into deferment because I started school again. I requested to be taken off deferment and to not be placed on it again. XXXX, did send a wavier form however, I did not understand why I needed to sign a wavier form when I did not request for any changes to be made on my account in the first place. As a result, more interest has accrued and I am behind on my payments. As of XX/XX/XXXX, my account is back on deferment because I took classes this summer. 

I can understand why AES would be okay with this process because it benefits them. In my case it ONLY benefits them by prolonging the amount of time I have to payoff my loan and accruing additional interest. Making AES more money. 

I have been paying on this loan for the past 16 years and I am over it. I'm coming close to the payoff and they are messing with my account. Borrowers should have the choice to continue to pay their students loans while in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one  XX/XX/2019Capital one again on XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XX/XX/2019Capital one XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: MD

Complaint narrative:
On XXXX, XX/XX/2019, I contacted Department of Education/Nelnet and set up a repayment , the Extended Graduated Repayment Plan, in which according to the creditor my next payment is due onXX/XX/2019 and that everything was approved for me to begin to pay on all of my school loans in a consolidated payment. I was told that I would receive the confirmation in two days but after not receiving this information I contacted Nelnet again to inquire about this and I was told by a representative named, XXXX, that it wasn't approved. I expressed my total disappointment because I was misinformed and not notified otherwise; had I not called I would never have known. XXXX  then stated that he fixed it and even gave me a lower payment amount with an extended payment due date. Then when I again didn't receive the confirmation documentation I called back and spoke to a representative named XXXX. He told me that XXXX  had misinformed me as well and that I would have to make three consecutive payments on loan A first and then to call back after the third payment in XXXX, 2019 and then I would be able to successfully set up a consolidated repayment plan for ALL of my loans. I did that and then called NELNET as instructed by XXXX   and was then told that was ALL incorrect that it didn't count for ANYTHING just to make payments on that one loan and that the other action was NULL and VOID. ALSO, XXXX told me that XXXX  had stated that back in XXXX, 2016 that I agreed to place Loan A ONLY on a different payment plan than all the other loans that I had with them. I told NELNET that I NEVER agreed to that because I had already been notified and requested that ALL my loans be on hold while the Dept of ED investigates my claim for loan forgiveness. I also wouldn't have agreed to do this on ONE loan when there were so many others that needed to be addressed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX  XXXX on my credit report with Equifax on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Payment Errors:On XXXX XXXX, 2019, I was placed on a temporary repayment plan with Ocwen. My repayment plan starting with the first payment on XXXX XXXX and the last payment on XXXX  XXXX  which would have had me completely caught up as of today’s date.  I was told that I would need to make a down payment of $XXXX by XXXX XXXX which I did.  The monthly payment during the payment plan was XXXX which started on XXXX XXXX.  I made the following payments (please see proof provided) 		Date		Amount	Payment made to		Method of paymentXX/XX/2019	$XXXXOcwen				XXXX XXXXXX/XX/2019	$XXXX 	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				XXXX XXXX		Total = $XXXXI was told by a representative of your company that the $XXXX counted towards payments for XXXX, XXXX, XXXX  and XXXX which does not make sense because I am not understanding where my down payment of $XXXX went.  PHH also said they took over $500.00 and put it towards the escrow which was not supposed to happen. I was told that it would be taken out of escrow and put towards my principal in 2 business days and it was not done.  I have called over 5 times regarding this issue because my account is still stating that I owe for XXXX  and XXXX   which is not the case.  •	Your company did not properly credit the payments that I have made since the beginning of XXXX in the amount of [X dollars]. This payment should have been credited to:o	[All of the payments should have been posted towards my repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase is not servicing our loan according to FHA guidelines. They initiated foreclosure twice in 2018 during a federally-declared disaster that affected both our home and workplace. They have never had or attempted a face-to -face interview in pre-foreclosure as FHA requires and in July of this year refused to consider us for loan assistance, saying they did not receive the "initial" request in time. We filled out the rma sent to us via postal mail by XXXX  XXXX, Executive office, along with a dr's letter showing end-stage XXXX   XXXX. The rma sent by chase and this letter were faxed and sent via secure message on chase.com. We have an email saying it was received and being reviewed...and then XXXX XXXX we got a letter saying our initial request was not sent it time and we would not be considered for loan assistance. But that they were looking into postponing the sale. They said they were opening a "case" to look into it, but gave me no case number and finally after numerous phone calls, said there was no case filed and no one would be looking into it. The foreclosure is now in two days, and although the executive office has opened a case, we are being offered no other assistance or considered for any loan assistance. We were told there is a new "verbal interview"  requirement but that Chase doesnt tell you that...you have to call to ask for the "re-application" department. I can find no record of this policy or department. But the loan escalation team said it is a requirement before they will act upon any loan assistance application? Chase is not servicing our loan according to FHA requirements, nor are they following the court orders the federal government cautioned and fined them for repeatedly. They are doing irreparable harm by refusing to consider this loan for assistance, and violating the terms of this FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX  on my credit report with Experian on XX/XX/19. Experian received my disputes on XX/XX/19as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from Experian. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2019-08-19 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOBXX/XX/XXXX. I have attached my DL for proof of ID Please update my address to  XXXX  XXXX XXXX  , XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America credit card offer.   In my case, BOA charged me a $XXXX "minimum interest fee" when none should have been charged.  I have paid the amount due, in full, on my XXXX and XXXX statements.  My XXXX XXXX statement said I had a balance due of $XXXX, due XXXX XXXX.  I paid the amount due, in full, on XXXX XXXX.  During XXXX I charged nothing on my BOA card, but did make use of a 0% interest balance transfer offer, that had a 4% fee associated with it.  That balance transfer cleared my account on XXXX XXXX and the 4% transfer fee was posted on the same day.  My XXXX statement said a minimum payment of $XXXX was due on XXXX XXXX.  I paid $XXXX on XXXX XXXX.  My XXXXXXXX XXXX  statement has a $XXXX "Minimum Interest Charge".  HOW in the world can BOA charge me any interest when the only money owed them is from a 0% interest balance transfer that a paid a 4% fee to do?  Completely inappropriate.  I called BOA today and they said they reversed the $XXXX.  However, I write you because what if BOA has done this to perhaps a million other customers that took them up on the balance transfer offer?   It's not really the the $XXXX that causes me to write you, but rather the principle that I paid  4% fee to get zero interest - and then they charged me interest.

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