vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$00.00} with a {$3500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX  received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either.
The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form.
XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision.
Thank you for your time.
Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The bank closed and restricted two of my accounts with out any prior notifications and when I called to require about the issue a representive told they had no explanation for why and I needed to contact the security intake team because it was under review. I contacted them several times throughout the past month and I am sent directly to voicemail. They charged a reversal amount of XXXX $ which was deducted from the account without my knowledge or approval and I had XXXX in my checking account. These actions has caused me to be evicted from my place of residence and a lot emotional, physical, mental and financial and unnecessary stress on my family. I have e-mail the CEO of the bank and whomever else I contact to get this resolved but no response or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I currently owe {$76000.00} in student loans used to put my children through college. My wife has {$140000.00} in student loans putting the same children through college. The student loans under my name are serviced through Navient and XXXX. The student loans under my wife 's name is serviced by XXXX.
All these loans were approved based on my income. My wife does not work.
I wanted to consolidate these loans under one servicer and come up with a income based payment plan. The servicers said that was not possible. I do n't understand why since I was the sole income guarantor why these loans can not be consolidated under one servicer so I can get a fair payment plan setup.
I believe I was improperly informed by the servicers who offered me deferment options so they could benefit by receiving more interest. I do n't believe the servicers acted in my best interest. It is difficult to forward this to a single server because through consolidations the servicers have changed. Interest is not accurately reported because each time I was advised to consolidate, the interest is converted to capital and added onto the total of the principle owed. After paying for the last two years my balance has gone from {$220000.00} down to {$220000.00} an overall reduction of only {$230.00}. At this rate I will die before I can ever repay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contesting the account with XXXX/XXXX XXXX It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 176 % usage. I need Experian and XXXX/XXXX XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am contesting the account with SYNCB/GAP. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/GAP. to correct this account on my XXXX report. I should not owe SYNCB/GAP. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX  report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not owe XXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ca n't access my money from my app because the bank does n't update my transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: NY

Complaint narrative:
TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. TransUnion is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. TransUnion keeps stating that they verified that these accounts are mine. How could they when the XXXXXXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XXXX XXXX, XXXX? These accounts have appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH XXXX XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXXXXXX XXXX # XXXX These are not my accounts. I did not authorize these account to be on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have a credit card with XXXX 's XXXX rewards Card for 18 months and my credit limit was XXXX for a purchase from the apple. I have made all my payments on time and never exceeded my credit limit. In the last 2 months i started to pay down my card with large payments of XXXX every week for 4-6 weeks and after the 4th payment, the company reduced my credit limit reflecting the amount that i paid off. My new credit limit is XXXX and my balance is XXXX approximately. This puts me higher than the credit debt ratio before my large payoffs and increases my apr rate and reduces my credit availability which affects my credit score negatively. So for paying off my credit card my credit score went down and my apr rate ca, be raised for making payments to reduce my interest rates that i was being charged. I see this as being unfair to me and affecting my credit score negatively which is causing additional hardships on myself and family. My timely payments and excellent track record with this company has gotten me a decreased credit score and the company raising my apr rates and interest rates 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 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am contesting the account with SYNCB/ROOMS TO GO. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/ROOMS TO GO. to correct this account on my XXXX report. I should not owe SYNCB/ROOMS TO GO. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contesting the account with XXXX/XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX XXXX XXXX. to correct this account on my Experian report. I should not owe XXXX XXXX XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have tried for several years to modify or short sale with no cooperation from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Equifax is listing an account on my credit file from the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX that belongs to someone else. This account is not mine. Equifax keeps stating that they verified that this account is mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full onXX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXXXXXX XXXX # XXXX This is not my account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am contesting the account with XXXX. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 136 % usage. I need Experian and XXXX/XXXX. to correct this account on my Experian report. I should not oweXXXX/XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CARD Corporation
State: FL

Complaint narrative:
Card.com decided on there own that they wanted to replace my card and charged me {$7.00} to have it replaced against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I have disputed this account which had been paid and it 's still showing in collection/charge off and negatively impacting my credit with XXXX. Account have been deleted with XXXX and XXXX but not with XXXX which is still pinging negative every month. Account have been settled since XXXX and account have been reporting almost 7 years which too old to still be affecting.

Company response to consumer: Closed with explanation