vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OR

Complaint narrative:
My husband and I opened a joint checking account at US Bank. The person assisting us also handled a home refinancing, mortgage, and assisted us in consolidating debt. Her name is XXXX XXXX and her service was impeccable. I also have a checking account of my own that I began at this bank, separately, prior to opening the joint checking, as advised by my XXXX attorney, to recieve funds every month from SSA. I really enjoyed the service and knowledgeability of Ms. XXXX, and since my husband and I were a bit disgruntled with our current bank, we chose to give US Bank a try. A few months in, I discovered that I had NO access online to ANY billpay actions that had been set up by my husband. We have significant medical bills to pay related to my XXXX, and on basically one ( based in reality ; SSA pays just over $ XXXX ) income, we really have to juggle things to make sure we dont get behind on our financial obligations. a lot of " robbing Peter to pay Paul '' ' I then went back to XXXX XXXX and explained the situation. Prior to seeing her, I had made inquiries with the online customer service people who first informed me that that is the way things were. The pamphlet I got when next I went to the bank regarding the ins and outs of joint checking, did NOT state in any fashion that under certain circumstances, I could not have online access to my own financial information Therefore, still confused, I went back to XXXX XXXX and explained my plight, She was sure there was some kind of misunderstanding with online support, so she made the call from her desk. She acted stunned after she was told the same thing. She relayed the policy that doesn't allow a joint checking account member to access their own information unless the joint holder that set up the billpay either must give you their login information ( a clear violation ) to access this info, or go through a process to submit forms that, inevitably, still would not allow me online access to manage our own finances. My husband did not want to give me his login info, and was very upset to have to do additional paperwork to grant " shared access '' which, we later found did NOTHING to change this piece of misrepresentation and, frankly, fraudulent practices. I have spent hours on the line with online customer reps, some of whom have to get a banking specialist to  give same result.

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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My mortgage was sold to Loancare LLC on XX/XX/XXXX by XXXX who filed for bankruptcy. Loancare received my mortgage payment on XX/XX/XXXX by electronic payment from my bank. They have yet to post my payment to my account as of today XX/XX/XXXX. I have made countless calls to get this resolved. They asked for proof of payment which I sent them on XX/XX/XXXX and again on XX/XX/XXXX. I spoke to XXXX on XXXX and was informed that they did have all the info they needed and that the payment would be posted by XXXX. This did not happen and I made another call today XXXX. Spoke to XXXX today and was told again that they had all the info they needed and that it would take another week to fix this, until XX/XX/XXXX!!! 
This is completely unacceptable. They have " stolen '' my money for over a month. This is not an isolated case. If you look at their complaints on the XXXX website and social media sites ( XXXX, XXXX, etc ) you will see that this is an incompetent and corrupt company. People are being lied to and having their money stolen from them! The CFPB needs to do an actual investigation of this companies business practices. If the CFPB can't investigate please notify the government agency that can, because there are many consumers being taken advantage of by this company. I will attach the proof of payment documents that I sent to Loancare. Anytime that you email or call them they either give a generic response or lie to you about solving your issue.

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 2019-07-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complain for Care Credit/Sychrony Bank this account was paid in full to a debt collector and it is reporting as a charge off on the credit bureaus XXXX and XXXX it was removed from XXXX credit report. There is no consistency on the information I have documentation from the third party debt collector stating this account was finalized and paid in full. I have been 6 months already fighting with this issue with no response, Under what consumer federal law state that an account that was sold to a third party had to remain on the credit bureau as a charged off for 7 years

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 2019-07-09 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: LEXISNEXIS
State: PR

Complaint narrative:
I requested an investigation to Lexis Nexis because they continue reporting in my risk report the account XXXX I received a letter on XX/XX/2019 in which indicates that they verified that XXXX CASE NUMBER XXXX is accurately correctly reporting. I understand that LexisNexis is not doing its job correctly because in a past claim they sent a letter directly to you stating that this account was deleted from my records ( attached copy of the letter ) I demand to delete that account from my LexisNexis risky report. That UN accurate account is affecting me on my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank has treated me horibke their customer service I lost my credit card to report fraudulent transactions that incurred on the card and they told me not to make a payment and now I login and find out they closed my card after being a loyal customer for 4 years and want me to reapply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: VA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX  is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX  so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently?

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX is a recorded message from Capital One CC. The voice says, Hi this is XXXX ... and goes on and on. They call all hours of the day and night and even though I blocked them and it goes straight to voicemail, I delete them. I have received over 30 calls in about less than a month. I am going through XXXX XXXX, no longer work and have sent them a cease and desist letter but they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Financial Services, LLC
State: CA

Complaint narrative:
Action financial Services LLC is illegally garnishing my pay check about some student loans im not aware about. This is a collection agency which is illegally im a victim of identity theft, please help me resolve this issue and collect my money back. 
phone number 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 2019-07-09 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: TN

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
Hello, For the past 9+ years, I have been struggling in dealing with Navient about the information of my student loans. Over the past five years, I have been under the impression that I was on a 10-year repayment plan. I was told be several representatives that I would have my loans paid off within 10 years but to my surprise, I was misinformed. I asked for there assistance in finding a repayment plan that would be best for my needs, with have XXXX kids/supporting a family. I was told that I had to call Student loans.gov when I found out that I had been misinformed about by debt and repayment plan. In actuality, my debt had doubled due to the interest and the type of loans I had and I was not informed about this happening when I directly ask the representative. Today I called Naveint customer service to obtain more information about my loans and why my payment had increased without any contact from their office. The replay I received was short and was never answered, again I was referred to call student loans.gov. I ask if I could change my repayment play to another and I was told that the standard payment plan was in the best of my interest and I would have them paid off in 10 years but this also was untrue. I have now filled out an application to consolidated my loans and move to a different provider. Please if there is anyone out there who could help me I would greatly appreciate it. I can not afford to pay for the ridiculous amount of interest that has occurred because I was misinformed by Navient 's representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TN

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX 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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing has preventing me from refinancing my mortgage since XX/XX/2019. Theyve continued coming up with excuses and fees for why they arent able to assign the mortgage to the new lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 a consumer report from mystery shopper from the program updated on spam list of emails was reported a lead tipper in financing debt from XXXX cards of infractions of XXXX dollars at a time. the institution revised a debt consultation of board of member to asset the amount an fund the sum in access to the debt collector for shopping compromises sent by domain email subcribers that reported to the family to destruct criteria in the amount proposed as a scam in debt. in the amount the the collection agency was deemed to have paid from the claim and left a revised attempt to collect the debt.

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 2019-07-09 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: FL

Complaint narrative:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Twice now you have closed my complaint, before any thing was resolved. 
Capital One has refused to discuss with me what they are using to prevent me from getting one of their cards. 
My credit rating shows up at 830-835, yet they claim it a little lower, but still in the 800 's. 
I have very little debt, but they will not give me specific reasons. 

I'm beginning to think that CFBP is not able to accomplish much. You just sit back and assume that because Capital One says it's resolved that you don't have to do anymore? 
Personally, I think I'm being discriminated against because of my age. 
I have had perfect credit pretty much my entire life. I work full time, and make a higher than average income. 
Capital One application number XXXX ; Capital One Case XXXX ; CFPB Case XXXX-XXXX. 
Who can I go to that has some ability to get direct and specific answers for me? Your agency seems to be unable to do much for me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NJ

Complaint narrative:
First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I had Bankruptcy chapter 7 and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to LOANCARE their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
LOANCARE send this loan to my credit report, I called them today XX/XX/XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from LOANCARE to remove my loan from my credit report because of the BANKRUPTCY.

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 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple address that is incorrect s reporting on my credit file XXXX XXXX CT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-07-09 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: GA

Complaint narrative:
Hello I went to apply for a home loan so I can purchase a home for my new baby that is due this summer and I went to my credit union to apply for a home loan and I was denied. My loan officer gave me a copy of my report and there are still things on there that are not mine. I've reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation