vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo foreclosed on my home & the courts have sent me a letter indicating that the actions were within the bank 's right. I 'm being forced out of my home where i 've lived for 16 yrs with my late husband of 30 yrs. My husband passed away 2 yrs ago XXXX XXXX, XXXX. I 'd taken total care of him here at home for almost 7 yrs due to XXXX caused by XXXX XXXX XXXX in XXXX. He had a reverse mortgage & I am his spouse without any options for shelter! I 'm almost XXXX yrs old & I suffered a XXXX as he lay XXXX in the hospital 2 yrs ago.Pls Pls Help Me!!! We were a dignified family who worked extraordinarily hard for our family. My XXXX did business with XXXX XXXX, XXXX XXXX XXXX & other notables such as XXXX XXXX XXXX XXXX formerly of XXXX XXXX Bank. Something is very unethical about this process. I do not feel that anyone attempted to assist me in keeping my home. I have a right to maintain my home & dignity. My health declined tremendously after his death. Attached is a copy of the order from the courts. I 've been trying to secure relocation assistance from XXXX but have only been offered {$1000.00}. I 've lived in the area for over 40 yrs & I do not want to ever leave. I believe that my current President would not agree with such actions against someone who worked so hard to build businesses. I feel victimized & discarded. I 'm born & bred in America. My husband was XXXX. I own nothing anymore!!! Pls help me to keep my home! I am just beginning to come out of the worst nightmare of my life! Thank You. XXXX XXXX XXXX Case number : XXXX from the XXXX Court 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 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
SPRINGLEAF FINANCIAL SERVICES made an unauthorized credit inquiry to my XXXX credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Items from Choice Recovery are on my report in duplicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I returned from XXXX in XX/XX/XXXX and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a volunteer missionary from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX XXXX and literacy at rural elementary schools. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from XXXX that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.

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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They refuse to remove all the fraudulent information from my credit

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 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted a reinvestigation request on XX/XX/2017, to date no formal or informal feedback of the outcome.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you

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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked for verification of debt for inaccurate items on my credit report and I have not received a proper validation of 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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, Experian is reporting the following information in error I believe and would like it corrected : 1. XXXX, {$240.00}. 
This item was paid directly to the hospital and was to be removed as an error per XXXX in Hospital Billing. 

2. Account XXXX - {$780.00} XXXX that account as to reflect {$0.00} status as agreed. Item still being provided via my consumer report in error. 

3. XXXX Account is current and paid as agreed. 

4. XXXX Account is current and paid as agreed.

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 2017-03-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a credit card exclusively because of their double air miles for every dollar spent. I tried to book a flight from XXXX Ca. to XXXX Mo. This is a round trip of about XXXX miles. I have over XXXX air miles. So when I attempted to book the flight it said it would require XXXX air miles. I chatted in to the Capital One support and was told I had to take the cost of the flight and multiply it by XXXX! Cost of the flight was about {$510.00} x XXXX = XXXX miles. 
So they are charging me XXXX miles for a XXXX mile trip. THIS IS AN OUTRIGHT FRAUD! They need to do what they said in their promotion for this card! So Capital One is diminishing my air miles XXXX fold!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On or about XX/XX/2016 I applied for XXXX equity lines of credit on rental condos from Union Bank, XXXX, CA, office with XXXX XXXX, AVP and Senior Relationship Banker and furnished tax returns and other documents. There were to be no points or closing costs, including no appraisal fee. On XX/XX/2016 he told me he needed XXXX additional documents which I furnished immediately. On XX/XX/2016, he told me he needed an additional document, which I furnished immediately, and at the same time indicated that closing would occur by the end of XX/XX/XXXX. On XX/XX/2016, he told me he needed additional information which I furnished immediately. During the process, he unsuccessfully tried to manipulate me to open an unnecessary savings account. XXXX loan was finally recorded XX/XX/2016, but the other application was declined since Union Bank 's policy is to provide a maximum of XXXX equity lines, and I already had XXXX, which was known to XXXX XXXX up front. I learned of the declination orally around XX/XX/2016 but never received written notification of the decline. ( Does n't ECOA require a declination in writing? ) I informed the processor that I would like to reapply for the loan that was declined, simultaneously cancelling the smaller existing line of credit so that Union Bank 's maximum of XXXX lines will be maintained. The processor informed me that the Branch must affirm that appraisal fee will continue to be waived as in the original application. I visited the Branch on XX/XX/XXXX and left word for the Branch Manager, XXXX XXXX to call me. She did not call nor respond to two voice messages to return my call which I left on XX/XX/XXXX and again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted c complaint XXXX and was told it was going to be filed and removed in court shortly according to the complaint reply made. A title search was done and up to date as of XX/XX/XXXX and remains on title, if this is not done very quickly I will end up being forced into foreclosure. If this happens I will be filing a lawsuit for all damages we incur. Please respond as I do n't have much time and the bank is not going to wait much longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do not have any existing balance with CapitalOne credit card co. I received a new card that has never been activated. A transaction came thru that I did not authorize. They are giving me the run around with regard to disputing the transaction. The transaction amount is {$89.00} from a software security company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I contacted Kohl 's credit card on XXXX/XXXX/2017, managed by Capital One to set up a payment arrangement to prevent my account from closing and going into collections. I set up a verbal payment arrangement to pay the minimum due on XXXX/XXXX/2017. The agent who took my call stated that on that day when I made the payment to call to get the late fees refunded. She also stated she would notate my account of the payment arrangement. I made the minimum payment of {$200.00} on XXXX/XXXX/2017 and I called on XXXX/XXXX/2017 to get the late fees refunded, only to be alerted that my account closed a fee days earlier. I spoke with a Supervisor who was going to pull the call to find out what happened and after not hearing anything for a few days, I messaged Kohl 's via XXXX. I was contacted by XXXX with the " President 's Office '' who stated she was going to pull the call. I called XXXX last week after not hearing anything and I finally heard from her on XXXX/XXXX/2017 and she stated that the agent notating the account of the payment date we discussed was not a payment arrangement and that they were under no obligation to open the account. Also they stated the agent was under no obligation to tell me that my account would be closing before the payment arrangement date. This is unacceptable when I honored the verbal payment arrangement with Kohl 's and even paid a day early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: United Student Aid (USA) Funds
State: KS

Complaint narrative:
In XX/XX/XXXX I began automatic withdrawals to Pioneer Credit Recovery and my final payment was made in XX/XX/XXXX for a total of {$810.00} ; XX/XX/XXXX-received a letter from USA Funds saying they were the guarantor and I was in default but no amount given ; XX/XX/XXXX-another letter from USA Funds but this time with C/O XXXX Post Claim Assistance and wanting payment sent to XXXX XXXX Inc. and threatening offset of my taxes for {$170.00} ; XX/XX/XXXX-letter from XXXX with a notice to contact XXXX for a review for {$210.00} ; XX/XX/XXXX-letter from XXXX and contact info for XXXX for review for {$220.00} ; XXXX from Enterprise Recovery System and again XXXX listed for review and for {$180.00} ; XX/XX/XXXX-letter from XXXX, finally no XXXX, for {$180.00} ; XX/XX/XXXX-Dept of Treasury notice of offset for {$170.00} paid to DoEd C/O XXXX. It is my understanding that XXXX is/was a subsidy of XXXX and I made XXXX payments of {$68.00} and one last payment of {$3.00} for a total of {$810.00} but yet XXXX has been haunting me throughout all of this. I have paid the final & XXXX twice to them.

Company response to consumer: Closed
Consumer complaint received 2017-02-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: MD

Complaint narrative:
I found that {$300.00} was taken from my account almost over a month ago now. I live in XXXX MD and this transaction occurred in XXXX at an ATM. I was never near this location at all. I called the company immediately as soon as i noticed the funds were deducted from my account. I filed a police report immediately. The same day i submitted the police report and a formal dispute with Rush card. They told me there is nothing you can you will have to wait 10 days for our investigation and on XX/XX/2017 you will get a provisional credit. I called to check the status and they advised i will not be getting a provisional credit because they found no suspicious activity. I have phone recordings of the representatives repeatedly telling me i would get a provisional credit today and was never told anything about the investigation. I would call and be hung up on by multiple representatives and put on hold for two hours at a time being told there is no manager or there is no supervisor then being told that the manager is in a meeting that they dont know how long will last. I was promised calls backs at least 10 times from managers i never received. I have been a customer of this company for 4 years and never had anything like this happen because i protect my information. i dont believe this card company has done all it can to protect my information and this is why this is happening. I was left with my money for over a month now and my children need things. I advised the company of this and asked if there was an expedited process and i got the run around and got hung up. i was forced to wait on paying important bill and now i still dont have my money back. I know my rights and i have given this company everything that they have asked for. I used my card in XXXX Maryland around the same time it was used in Pennsylvania according to rush card representatives. how can i be in two places at one time this is impossible. i did not authorize this transaction and i would like to take legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Our home equity loan became due, it was an interest only loan, 10 year term. Over the 10 years, we never have been late or missed a payment. Our goal was to modify this loan into a principal plus interest loan and pay it off over 20 years. We also would like a fair rate of interest. Our bank is asking for full payment, have mentioned foreclosure and in our eyes are being somewhat difficult to complete this process. We own a business and show income via or tax returns, they 're asking for a P & L from a CPA, at an additional expense of {$250.00} + to apply for this modification. Our goal has always been to keep our home and reapply for another loan.

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 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Worth Finance mailed a random check to my home address, at the time XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX the check was cashed. I knew nothing about the check and told them this when they came to my door. They put the debt on my credit report status closed in the amount of {$1100.00}. I have tried since XXXX to pay the balance and was told No I had to now pay {$3000.00}. I spoke with XXXX on XXXX/XXXX/XXXX who remember speaking with me in XXXX telling me again they would not allow me to pay the balance. I can pay {$99.00} a month, I told her I wanted to pay the balance of {$1100.00} and a letter stating the debt was paid in full. XXXX then stated she could not hear me so I called from my work phone. when she answered and I repeated I did n't think it was fair for their company to ask for XXXX on a closed loan, She then stated that the balance was not {$3000.00}. but {$2500.00} and it was lower then that in XXXX XXXX. I asked for a supervisor because as I explained to her. If the balance of this loan was less then XXXX in XXXX do n't you think I would have paid it. I am calling from my work number, which I gave her to give to her supervisor, which she stated was out of the office until XXXX/XXXX/XXXX. when I disputed the debt with XXXX XXXX, there was nothing done because they are one of Worth Finance main resources.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 60 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation