vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX. I XXXX XXXX contacted the following credit card companies pertains to credit cards that were opened in my name between the years of XXXX to XXXX. 
There are two credit cards from Capital One Credit Card Company that end in the following four digit number ( XXXX and XXXX XXXX When I contacted Capital One about the above mentioned card they agreed that neither card ending in ( XXXX and XXXX ) were never assigned to me and they have no prior record or history of the number under the name of XXXX XXXX. The customer service reps suggest that I find a complaint with the Consumer Protection Bureau and file a complaint On the same day I also contacted XXXX XXXX XXXXXXXX XXXX XXXX about two credit cards ( XXXX and XXXX ) that were assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to two customer service representatives about the cards and the sales representatives could not find current or prior cards with the ending numbers XXXX XXXX or XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

Once again I contacted a third credit card company XXXX XXXX XXXX XXXX XXXX about one credit card ending in XXXX XXXX XXXX that was assigned to my name XXXX XXXX that I have never received or used before. I called and spoke to a customer service representative about the card and the sales representatives could not find current or prior cards with the ending numbers ( XXXX ) they suggested that I get in touch with the Consumer Protection Bureau to file a complaint. 

I suspect that the all the cards from the three companies have been opened fraudulently and I want any record of these cards taken of all of the three major credit reports and that i am not held liable for any of the amounts owed because I never owned any of the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 credit cards with CapOne. I called customer service once i noticed that both cards were restricted. I was told there was a fraud restriction on my cards and was asked to send in the front/back of the driver 's license for each AU that was ever listed on my account even those that were no longer listed. I mentioned that some of the previous AUs, I was not in contact with and I was told to get it or my cards can't be unrestricted. I was also told that my son who was also listed as an AU needed to go and get his state ID as his school ID ( he had just turned XXXX ) and his passport would not be sufficient. I submitted the documentation via the secure link multiple times per person that they requested. Even after being told all documents were received, I was asked to resubmit some documents again, which i did. After 2.5 months of submitting documents over and over as well as payments being made ( as account was set on auto-pay ), The last representative I spoke with confirmed everything was received and in order, but I was told that my representative couldn't unrestrict the card and I would get a call from someone who would be unrestricting it for me. After 48 hours of not getting a call back, I called in and I was told that my cards were permanently closed and available for payments only plus membership fee. One of the final payments on the card was returned due to auto-pay not being able to withdraw funds, and I made the payment from another account the same day of that attempted draft, as I was unable to make any changes to the accounts directly due to restriction. 

I have 3 business accounts, an auto loan, a personal checking and savings, as well as money/student checking savings accounts for my XXXX children with Capital one. To be treated with such disregard after completely complying with the request of the fraud department is Unacceptable. I have not even been made aware of what the issue was in the first place. I even mentioned removing the AUs if that was an issue as my cards have been open for over 7 years with perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I attempted tp get a small loan ( + {$8000.00} ) for a used car for my son so he could establish credit. My score on the other major agencies was XXXX. This is my normal average. My credit is exemplary and I pride myself on that. 
So far I have been denies by 3 companies, the last being XXXX. It seems that a company called XXXX, XXXX has reported my credit score at XXXX and has labeled e a risk! Who is XXXX and why do they have any right to check my credit? 
This is embarrassing!!! I could easily write a check for the remaining balance nut I am trying to teach my son the value of a dollar. 
I would appreciate it if you could check out this company and what is wrong with just relying on the 3 major credit bureaus?? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing currently holds my mortgage, I requested a loan modification and they denied it because they claim that I defaulted on a modification in the last 12 months but I have not had a modification in the past 12 month my modification was almost 2 years ago. They only allow me to speak to one dedicated representative who is never available and when I try to schedule an appointment with this person, no appointments are available. I have sent at least 5 email and left at least 5 voicemail to the dedicated representative and have not received any response. I have also requested an appeal of the modification they just rejected and to be placed into a Forbearance and Bayview has not responded to either request. This is starting to feel like predatory lending. I have a lot of equity in my home and I don't want to loose it, I have been making my payments but they are not being applied to my loan, even though they are accepting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Continues to furnish negative information to credit file. Requested removal of XXXX over 30 days Ago. Company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: VA

Complaint narrative:
XXXX  continue to place a deficient on tradeline. Requested company to verified debt. Company failed to comply to FCRA Guidelines. Requesting removal off Credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I was called 9 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My payment was due on XX/XX/XXXX ; however, I looked at and purchased a new vehicle and turned mine into the dealer on XX/XX/XXXX as a trade in. They obtained a 10 day payoff and took possession of my vehicle on XX/XX/XXXX as I picked up my new vehicle this day. The dealer sent my payment by Capital One didnt get it until XX/XX/XXXX. The dealer had neglected to have a paper needed to pay off the loan and contacted me in XXXX. The payment being late was not my fault, I didnt even own or have the vehicle anymore. Capital One reported me late because the dealer got the pay off there on XX/XX/XXXX, two days past 30 days. I called Capital One and tried to explain that I didnt make the payment and didnt even have the car anymore that I gave possession to the dealer back in XXXX. They sent me a letter stating they wouldnt remove the late from my credit. I have not had any derogatory marks on my credit and I am asking for this to be removed with the mixup at the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: I.Q. DATA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I was first contacted by the collections company sometime in XXXX. I told the representative XXXX I had no knowledge of this and will need to do more research. She stated she understood and gave information on what to do if I needed to contact her. I repeatedly contacted the company she insisted debt was from. However, no one at the company had any knowledge of this. I filed a formal dispute and asked to not be contacted until the dispute is resolved. I havent been notified of the disputes and since then I have been harassed by this collections company. They call all throughout the day and night and speak very impolite when I do answer. Im tired of this company harrassing me and would not only like for the dispute to be resolved but also for the company to not contact 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 2019-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Since starting my lease with Porsche Financial and creating a payment portal through their website, i have suffered monthly with trying to make payments with little to no success. The website has majors issues either always having a " down for maintenance error or the site continuously refreshes itself not allowing to accomplish anything. I am a XXXX  and traveling every week to different countries and online payments are the most convenient means of managing my bills. Each month ive tried to make a payment there is a site issue and when trying to contact via phone the number provided from their own site does not work either. I've had to call other the dealership in order to speak to someone who could only somewhat be of assistance. This has now resulted in a late payment that is now effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: NY

Complaint narrative:
In XXXX of XXXX I submitted a dispute letter to TransUnion challenging several account that is clearly in violation of FCRA rules and reporting multiple inaccuracies. On XX/XX/XXXX I receive an updated copy of my credit report. The updated copy referred to the disputed accounts as verified and updated ( Please see attachments ) As appears on my credit profile. 

XXXX XXXX XXXX is reporting a reaged account. XX/XX/XXXX This is a clear violation XXXX XXXX XXXX is reporting a past due balance of {$980.00} but original creditor reports a past due balance or credit limit of {$450.00}. 
This is a violation. 

XXXX XXXX XXXX reports that this account was verified and updated on XX/XX/XXXX. However, Transunion still reports multiple inaccuracies. This a violation XXXX XXXX XXXX currently reports as verified while account also reports 120days late payment/ 90days late payments/60 days late payments/30 days late payments. 

XXXX XXXX XXXX currently reports last updated on XX/XX/XXXX even though account was disputed last month XX/XX/XXXX. This is a violation XXXX XXXX XXXX TransUnion XXXX last date of payment on XX/XX/XXXX. This is inaccurate reporting. Last date of payment sent to the original creditor was in XXXX of XXXX. 

XXXX XXXX XXXX  XXXX currently reports a past due balance of {$3500.00} on a collection account ; this a violation. 

XXXX XXXX XXXX XXXX currently reports as updated and verified on XX/XX/XXXX even though I've specifically challenged and disputed account reporting a payment history on a collection account. This is a violation XXXX XXXX XXXX currently reports late payments on a collection account ; 120days late payments/90days late/60days late. This is a violation XXXX XXXX XXXX currently reports that last payment received was on XX/XX/XXXX, however last payment sent to the original creditor was on XX/XX/XXXX. This is inaccurate reporting XXXX is reporting a unknown account without methods of verification. This is a violation XXXX XXXX is reporting a unknown account without methods of verification. This is a violation.

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 2019-11-04 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX  and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: MIB Group, Inc.
State: SC

Complaint narrative:
Response to cfpb XXXX. I'm not sure if you understand. My husband was unable to understand what he was signing. He has bad XXXX  and can't be held legally responsible for that XXXX   form. I have proof he is not culpable in understanding at times that is why he is not allowed to sign anything without me and I wasn't there the day that XXXX form was signed making it null and void. Please remove file your taking advantage of a disabled person. I'm a legal representative of a permanent XXXX disabled person. You have to remove the file. Check the camera I was not present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Premier Student Loan Center
State: FL

Complaint narrative:
I attempted to get my student loan in the forgiveness program with Premier Stundent Loan Center. I have  come to realize that my payments and service charges did not get applied to my FedLoan  account.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-04 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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