vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried numerous tines to unlock my experian file - never able to. The phone tree just ends up saying snail mail to Texas. I need it done IMMEDIATELY - not three weeks later. There is NO WAY to get a human on the phone. Unacceptable!!!

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The original company that owned this debt was Capital One. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call Capital One one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, Captial one said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to Capital One, and XXXX XXXX bought the debt from Capital One .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the capital one notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/2019, I noticed a collections account on my credit report that is not mine. The account is with Sequium Solutions for a XXXX XXXX bill. I have never subscribed to XXXX XXXX in my life and must be a mistake. However, my dispute result somehow verified the account is accurate. I have contacted Sequium Solutions requesting for proof the debt is mine. I have yet to hear back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SECURITY FINANCE CORP
State: OR

Complaint narrative:
My husband, who I am separated from, took out a loan in another state, which I did not agree to or sign for. The loan amount was {$300.00} at an annual percentage rate of 144.19 %, to be paid in monthly installments of {$73.00} each, for 6 months. I received paperwork regarding this loan, mailed to me on XX/XX/XXXX, and I received on XX/XX/XXXX. The statement contained a letter from management stating a property law known as Marital Property Act which governs the property rights of persons in Wisconsin. I sent the following reply to the company : " XX/XX/2019 Security Finance Corporation of Wisconsin XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX RE : acct XXXX, contractual arrangement with XXXX XXXX . 
To whom this may concern : I received your contract information and will not be a part of an agreement to which I gave no consent. I was not advised of the arrangement and had no knowledge of its existence. I am an Oregon resident. XXXX and I were married in Oregon. I have never been in Wisconsin. Oregon is not a community property state. It is a common law state. I do not agree to the terms of this contract. I have not consented to or signed this contract. There is no joint borrower on the contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX ''

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 2019-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
What set up pay arrangements and they took all the arrangements and nothing was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed my account and withdrew all funds on XX/XX/2018, at the XXXX XXXX of Bank of America at XXXX XXXX XXXX, XXXX XXXX. While the teller confirmed my account was closed, they did not close my account, and on XX/XX/XXXX, a previously scheduled payment was attempted on my account. Because the account wasn't closed, I have been hit with a {$35.00} NSF fee ( which i have paid under protest until I can get it refunded ), but when I contacted bank of america they refused to close my account over the phone and denied that I ever closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I started Dispute sent verification sent police report and verified with the retailer that my card had been stolen and unauthorized use occurred and they still denied my Dispute I even placed fraud report on my credit report they charged my address and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
They keep saying I closed the account and they wont send me my replacement card and having hard time

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have never had XXXX XXXX XXXX. I have always used XXXX or XXXX XXXX

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 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XXXX of 2019 my loan was sold to XXXX loan servicing by XXXX XXXX. Since being with this new servicer, the handling of my loan has been to say the least a disaster. I am in a HAMP incentive repayment program which was never handled correctly, and my loan payments have been misapplied. I was also advised by a supervisor in the United States that I could make a partial payment as there was money sitting in suspense that could be applied to principal. Other staff members of Rushmore took it upon themselves to reverse all this and to make a further disaster of my loan activity. Rushmore is now reporting me incorrectly 30 days late to the credit bureaus. I have tried more than multiple times to resolve this problem. Each time I call and speak with a supervisor I'm assured that I will have no negative credit reporting and that the problems are being fixed. They are not. The only person that tried to help me that is employed by Rushmore is a woman  named XXXX in XXXX customer service. She assured me to send a secured message to Rushmore asking them not to report me as incorrectly delinquent and yet they did it anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a due date extension change from Capital One Auto Finance on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from captial one auto on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX Capital One Auto Finance receive a paid in full payment for over XXXX paying the account in full however Capital One is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to capital one auto finance and it has yet to be corrected. Due to this error by Capital One Financial I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Today XX/XX/2019 at XXXX XXXX I spoke with a gentlemen from the PNC Bank Escalations Department. He called me because of a complaint that I had done regarding my previous disputes. I told him about me being the victim of Identity theft and that there were ACH withdrawals made from an unauthorized creditor. My mailbox was broken into on several occasions and someone took my account information and social security number and has been using it to open up credit accounts and other bank accounts. As well they have been using my PNC Bank accounts to pay bills with those creditors. I have had to get a police report and an FTC Affidavit to help me fight these account and to dispute the withdrawals on my three PNC Bank Accounts. I was told to go to a branch and open up a new Virtual Account and get a new debit card and to then dispute all the withdrawals. So I went to the PNC Branch in XXXX, NJ inside a XXXX & XXXX after work and basically it was a complete waste of time. The ladies told me that they could not help me with the disputes because my account was negative and they would not be able to open me up new accounts because my account is compromised right now because it is negative and that the direct deposit I get will be used to cover the negative balance. The account is negative because of all the reversal of provisional credits and the withdrawals. They also stated that there was no information left from the Escalations Department stating that I was a victim of identity theft. You know what I just need some help please. I have attached the ACH withdrawals that I want to dispute, the police report and the FTC Affidavit. Please help me to get my money returned. Thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I have had multiple unauthorized transactions and tried multiple times to contact the company they have no direct number and they keep sending emails saying that they are going to have someone contact me but it has been over 6 months ago and still no response no results they didnt say anything else about it and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been noticing the interest rate have been increasing for the last couple of months. I happened to look online and Ive noticed they are charging me a 31 % rate so I called them to explain the situation and all I got was I can call credit Counseling and it cant be lower because its a variable rate, I told the supervisor who was very Condescending when we were talking that it has never been this high, and he told me its nothing they can do.. Capital One inherited the cards from XXXX in 2013.. I have 2 Capital One cards and my other one is not like this.. I need a Resolution because I think its some kind of scamming going on here and after talking to a couple people about my situation, they inform me about the same issues they had with Capital One.. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XX/XX/19 I received a phone call from an unknown number. When I answered the lady on the line said that she was trying to get ahold of me because they were going to garnish my paycheck and within a couple of hours they were going to serve me papers to sue me. I called the number she gave me XXXX. A man answered the phone and stated that it was a law firm of XXXX XXXX XXXX. He told me that I owed "$XXXX XXXX in credit card debt and that if I could not pay I was going to be served with papers. When I replied that I did not know what he was talking about he started yelling that I" didn't pay my debts, and I was going to get sued". I asked if he had proof of the debt owed and he laughed and started to yell again. I hung up and they called my employer within 10 minutes. I called them again to tell them that I did not want them to call my employer anymore. A woman answered. I asked for her name and she replied, "XXXX XXXX". She answered the phone as before, "XXXX XXXX XXXX" I asked for the address of the company and she would not provide it. She told me it would be on the papers they were going to serve later that day. I asked what state they were located and again she refused to answer. I told her not to contact my employer. That all of the contact needed to be with me. She told me that I did not get a say so. That when I didn't pay my bills this happened. That it was my fault and it wasn't going away. She threatened me with garnished wages in 8 days, unless I could pay the balance then. I again said no and she immediately interrupted and she begin to yell so I hung up. She called my employer  two more times within an hour. She gave my case information, told them that I was being sued, and told her "not to protect her employee". The receptionist that she was talking to told her after the first phone call not to call anymore.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: FL

Complaint narrative:
I received a due date extension change from XXXX XXXX XXXX XXXX  on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from XXXX XXXX XXXX on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX receive a paid in full payment for over XXXX paying the account in full however XXXX XXXX is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to XXXX  XXXX XXXX XXXX and it has yet to be corrected. Due to this error by XXXX XXXX XXXX  I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
XXXX XXXX XXXX contacted me to find out what I disputed on my credit report regarding their entity. I advised the woman that my credit report with EQUIFAX INCORRECTLY states that the last payment was made in XX/XX/XXXX. I have paid EARLY and EXTRA money each month since XXXX. The woman advised me that she would look into the matter and make sure that the updates are correctly showing that I HAVE in fact made the payments. On XX/XX/XXXX, I received and ALERT stating that XXXX XXXX XXXX updated and left a remark on my account. Upon investigating, I discovered that the REALLY made things MUCH worse. My credit reports STILL do not show that the months of XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX have been PAID IN FULL. ALSO now on my credit report there is a remark that says " NO DATA. '' for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX has not even been entered as a payment EITHER. Not only is the information that XXXX XXXX XXXX   reporting INCORRECT, from their latest entry, my credit score went DOWN two points JUST due to XXXX XXXX XXXX. I have ALL of the documents ( contained in snippets ) to show PROOF of what I have been trying to get across.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account went into overdraft on XXXX by less than {$5.00}. A fee of {$35.00} was charged at this time. I am usually alerted by emails set up by the company of low balances and possible NSF so I can transfer money before end of day processing. I was not alerted until the day after fees were charged. The representative today stated fees get charged and there was not a change to be done, a log was taken about emails not being received on time, advised her if they would have, the account would have had funds transferred immediately. I was alerted today of the account status and immediately transferred funds to bring the account into a positive status. Rep also gave useless solution advising she can remove the protection and have the account set up to auto decline so the insufficient funds isnt charged on the account. She began the recording of the disclosure and mention that fee would not be charged but instead other named fees would for the same amount and that I would get additional fees from the merchant. Why would this even be a suggestion, you say you arent gon na charge this fee but instead BOA is going charge me different named fee, and add to it any fees from the merchant.

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I paid XXXX on my American Express Credit Card and hoped that this would help my credit score. So far this credit is not showing up in my credit score.

Please show this credit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation