vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
The loan servicing company : XXXX XXXX XXXX XXXX has missed applied and or not applying monthly payments towards the principle balance. Several attempts have been made to encourage the loan servicer Ocwen to credit the mortgage correctly. The company has refused to work with me and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My wife and I had to do a voluntary repot on a truck. USAA said they would auction the truck then allow us to make payments on outstanding balance. The day they sent us the payment arrangements, they also sent it to collections. They closed my wifes long standing credit card with them as well because it looked like we were in default on the truck without the chance to ever set up payment arrangements. My wife called USAA, they said they were sorry, they messed up bye sending it to collections but were unable to reverse the closure of the credit card. This reduced my wifes credit score bye over 200 points. We were told sorry, its our mistake but we cant fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: WA

Complaint narrative:
My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Will Not Let Me File A Dispute. XXXX : After receiving 5 emails from XXXX that there was derogatory info posted on my Equifax report, I tried to view my Equifax report and file an online dispute with Equifax. I entered all requested info on the Equifax form multiple times [ name, SSN, address ]. Each time I was given a page of 4 multiple choice questions to verify my ID. Each question asked about credit cards I 've never had, banks I 've never heard of or dealt with. I 've never had an auto loan in my life!. I completed my last XXXX in XXXX and have no outstanding student loans. So the correct answer to each question was " none of the above ''. That generated a page saying " Unable to Confirm Identity ''. Tried spelling my name exactly as it is on my SSN card [ slightly longer ]. Now Equifax could n't find my file & did n't even offer security questions. Friday XXXX, I phoned Equifax with these problems. Spent an hour talking to 3 ladies in the XXXX, including the supervisor. She said she filed the complaint for me and gave me a 10-digit confirmation number. She could not mail me a copy of what she wrote down as my complaint, so I could be sure she got it right. Tried entering the XXXX digit confirmation number today at Equifax site. Got " Unable to process your request '' .Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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: WA

Complaint narrative:
XXXX XXXX XXXX  has indicated that I owe {$24000.00} since XXXX2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections

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 2018-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CA

Complaint narrative:
When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. 
I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: UT

Complaint narrative:
XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for credit monitoring through Experian Credit Tracker sometime in XX/XX/XXXX. I was later able to call in and cancel the service around that time. In XX/XX/XXXX ( XXXX ) I was charged {$49.00} on my debit card ending ( XXXX ). I called in to inquire about why I was being charged and was told I did n't respond to emails and was charged {$24.00} for two months. One charge of {$24.00} was later agreed to be returned, but the remaining {$24.00} was not going to be returned.

I have not used or logged into this service during the time period, as confirmed by a representative named XXXX ( # XXXX ) during a phone call on XX/XX/XXXX. The emails seemed like solicitations and I did not want to open them. They did not say anything in the subject about late payments or delinquent payments due.

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 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
This debt is being reported inaccurately. I do now owe any money to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/XXXX I saw an online offer by Bank of America on their website ( bankofamerica.com ) offering, for the travel rewards card, " XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days of account opening- '' Since I had another BOA credit card with their phone number, I called and asked for the promotional offer. The woman was not sure about the offer, but, I assumed that since it was advertised on the BOA website, it would appear. I called back BOA right after I completed the application on the phone to make sure that I had gotten the XXXX online bonus points and they said that they would get back to me. I just received a letter today, XX/XX/XXXXstating that I would not be granted the XXXX online bonus points since I did not fill in the application online even though I asked for the offer and called back immediately after applying to check on the offer. I was not told that the online bonus points were only if you completed the application online ... I would have, certainly, applied online, had I been made aware that the offer only applied if you did the application online!! So, I called today and spoke with XXXX XXXX at BOA. I was told that the offer was not part of my credit card and that I would not receive it. This is deceptive advertising as it was not made clear that the online bonus points would only be granted if you completed the application online. The agent told me that I should have scrolled down to the bottom of the online application to see the terms ... I do n't think that I should have been misled at the onset and, then, forced to read all the way to the fine print to realize that this offer was only for completing the application online. This violates full disclosure as it is deceptive and misleading, not adequately disclosing that the offer is not available if you applied by phone. I have attached the capture of the website promotional offer. It, still, appears today. I just scrolled down to look at the terms and there is nowhere that it is required to apply for this online!!!

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 2018-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After multiple disputes with XXXX XXXX XXXX, with every dispute coming back as a valid debt, I contacted Capital one directly. 1 dispute with capital one discovered that it was a fraudulent account. Attached is a copy of capital one 's letter date XX/XX/XXXX that says this debt is fraud. I also attached a copy of XXXX XXXX letter dated XX/XX/XXXX that says it a valid debt. 

Please remove from my credit files now. XXXX XXXX has refused to provided me with a copy of the original credit application and the drivers license on file, when I requested it. XXXX XXXX  has violated my rights as a consumer, by refusing to send me the information I requested. They also have violated my rights by not properly investigating if the account was fraudulent. 

Please remove now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I use autopay, from my bank to pay my Citicard credit card. Citicard was set up to send me paperless statements. I never received an alert or courtesy via mail, or telephone call stating that minimum payment changed. The emails were automatically going into my gmail " promotions '' which do not show in the inbox. Monthly payments for the past amount were paid, on time every month for what I thought was the minimum due. I was not aware that I was getting a late charge, that accrued with continued late payment for 4 months. 

Late payment were charged X/XX/17- {$25.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} Automatic payments were made X/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} It is obvious that I had/have all intentions on payment. Citibank refuses to issue a refund on the late payments and they have marked my credit as late and stating they can not reverse the late on my credit report.

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 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX just put a collection on my credit report without sending me a notice of the debt. If I had received a notice I would have paid it! I take very good care of my credit and monitor it daily. Im a veteran and make sure all my bills are paid.

I called them and advised them and offered to settle it but I want it removed since they did not follow procedure. They were very rude & hung up on me.

How is it ok for them to just whatever they want one someones credit report and then treat you badly when you call in to take care of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Continues to repeatedly call my job and upsetting my supervisors. my supervisors telling me to tell them to stop calling me at work because it is not my private phone line to handle personal business but they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have always paid my bill online every month with a the company and they always show that they receive my payment however, one time I received notice 30 days after i paid them that they never received the payment even when the website says they did. This has caused a 30 day late pay to show up on my report by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The balance that is shown from my charged off Santander loan is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CA

Complaint narrative:
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Experian also reported an account from XXXX XXXX XXXX opened last XXXX 2015. This is not my account. I am a victim of this credit bureau 's mixed up files. attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

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