vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was in the middle of a medical crisis due to my  XXXX  before   XXXX   XXXX   and after   XXXX   XXXX  . I have made late payment twice this year due to my medical complications. Capital One gave me hard time waiving both late fees in both instances, they ended up waiving them. I made my most recent payment on the due date of   XXXX    XXXX , 2017, however it got processed on Capital one 's end the next business day, and was considered late since according to Capital one I did n't make it by the cutoff time of   XXXX   XXXX   ET. The disclaimer regarding the late fee on my statement clearly states the following : " LATE PAYMENT WARNING : If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to {$35.00}. '' I have a screen shot for this part of the statement, where the late fee mentioned once in that one statement only, exactly as stated above.
If the statement said [ If we do not receive your minimum payment by your due date & the deadline of   XXXX   ET., you may have to pay a late fee of up to {$35.00}. ] Then I have no excuse to get the fee waived and I am responsible for it in that scenario.
 XXXX 
Their statement regarding the deadline of  XXXX  ET is located above the new balance amount and the payment due date, separated from the LATE PAYMENT WARNING statement.        
In  XXXX  vocabulary, when we specify date it means day of the month & year excluding the " time '' of day.
 XXXX 
Capital one refused to waive it even though me and my husband offered to send them the PDF document that has the time stamp that proves the payment was made on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Payments I 've made on Navient online payment site, from  XX/XX/XXXX  to  XX/XX/XXXX , are not accurately recorded. Navient Customer Services have been contacted to verify the payments. Unfortunately, the representatives could not clarify why there were discrepancies stated on my online account during the following dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  A total of {$1100.00} not been recorded properly. A letter and supporting documents will be sent to Navient Office of the Customer Advocate :   XXXX   XXXX   XXXX    XXXX , PA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under  wage earner    from  XXXX -  XXXX   when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

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 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under   XXXX   XXXX   from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.

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 2017-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a personal letter to Equifax to review my file for bankruptcy  XXXX . I advised them that the information was incorrect and asked that they verify for correctness. I received a letter f rom Equifax statin g that they verified this information from  XXXX . I also sent another letter stating that  XXXX  sent me a letter stating that I have a Security Freeze on my file that is kept under my personal social security number. I sent them ( Equifax ) confirmation of this letter stating that my   XXXX   account is indeed frozen and it is not true that they verified anything. I called  XXXX  as well and spoke to a representative and she verified that the information Equifax provided me is most definitely inaccurate. I am very bothered that Equifax would willingly report this inaccurate information on my credit file. At no time have I authorized  XXXX  to release any information pertaining to myself to allegedly " verify '' anything. I have not been subpoenaed by any courts to release any information pertaining to myself either. However, no one has a sworn testimony to verifying this information. Confirmation of correctness, truth or authority of a pleading, account or other paper by an affidavit, oath or disposition.   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . ; and   XXXX   XXXX   XXXX   XXXX   XXXX  . ( c.c )   XXXX   XXXX   XXXX  , and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I checked my credit report and there were  XXXX  accounts reporting from Wakefield & Associates that do not belong to me and I have no knowledge of. I attempted to have the accounts validated thru the credit bureaus and also with Wakefield & Associates with came back validated. Wakefield sent me  three  print outs that do not show account numbers, dates of service, no original documentations with my signature or anything that validates these debts. Also the print outs that they sent me have different amounts from what they are reporting to the credit bureaus. I also believe them to be in violation to the HIPPA laws.
 XXXX 
Account Number : (   XXXX   ) Account Number : (  XXXX  ) Account 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 2017-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have paid off my student loan ( account #   XXXX   ). On  XX/XX/XXXX , Discover Student Loans issued me a letter saying that they owed me money under a Consent Order with the Consumer Financial Protection Bureau and had issued me a check in   XXXX   that I had not cashed. I never received that check. The  XX/XX/XXXX  letter gave me until XX/XX/XXXX  to reply to have the check reissued. I was out of the country for work between  XX/XX/XXXX  and  XX/XX/XXXX , giving me no time to actually respond to the letter. When I called Discover today,  XXXX , the agent, was incredibly nice and explained that because the date had passed I would have to contact CFPB directly online as stated in the letter. There is no instruction on the letter about where to go on that webpage or what to do when I got here. I would like them to arrange for me to get the money owed under the Consent Order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
XXXX /2014 I applied for a business line of credit with wells fargo and was told the application was denied! A few days later I get a call from a upset business manager, who told me that the loan notes included racist information about me and me co signer! stating that I was a younger   XXXX   women and he was a older  XXXX  nice male that just wanted to help, but maybe getting took advantage of! because of this I know my loan was denied! the business manager also said that we were approved for a credit card which was never offered to us as a option! the business manager wen on to say that she reported it to the branch manager which nothing was said to me or done for me to make this right! the man they say I was taken advantage of is the father of my child and we still to this day have a relationship. It was never none of there business my color, age or relationship to my cosigner. I did contact a lawyer about filing a discrimination suite but was unable to afford it and just out right did n't know what to do! I do know wells fargo is prejudice and a very unfair bank! the loans specialist do not receive any consequences for her actions and I was unable to get my business up and going without the 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 2017-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I
sent in a payment of {$630.00} to my TD Ameritrade credit card on  XXXX / XXXX /2017. The check cleared on  XXXX / XXXX /2017. The payment never posted to my TD account, so I called card services to explain the issue. They told me to fax   them a copy of the check. I did this, and called them twice or so weekly for a month or two until they told me to send it again. I sent it again, did the same thing for a month or two, then I got a letter telling me to mail in the copy of the check because they " did n't have enough information '' ( even though I provided them with every bit of information they requested from me ). After mailing it in, an calling multiple times per week for a month or so, they finally confirmed that they have the copy of the check.
They say that even though I provided them proof that I payed them, that they can not locate the check, and continuously tell me to call again later/re-send in the copy of the check.
I have provided this company proof that I sent the check to them, and that they cashed it, but they continue to not post the payment to my account, which has been accumulating interest fees and late fees for 7 months now. They tell me that if they mistake s on their end that they will reimburse the fees and fix my credit score, but they have zero effort to do so. It is well past the point of negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with  XXXX ,  XXXX  &   XXXX   the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher Midland Credit is reporting false information for example : The date open reports  XX/XX/XXXX  Date of 1st delinquency  XX/XX/XXXX  Date of the 1st major Reporting XX/XX/XXXX  How can the account 1st delinquency which is  XX/XX/XXXX , occur a year before the account open in  XXXX .
<P/>
This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santanders response to the previous complaint is blatantly false.
Santander modified my loan on  XX/XX/XXXX please see attached documents.
On  XX/XX/XXXX  my car was repossessed. The repossession fees were {$460.00}, the car was picked up on XX/XX/XXXX . On  XX/XX/XXXX  Santander confirmed the new payment and payment date and receipt of the modification ( see letter ) The letter regarding the sale of the vehicle was never received by me.          
Santander not only owes me the repossession fees of {$460.00}, they also owe me an additional {$1800.00} for payment overrage. I had an atty. look over my modification documents and it was suggested that i was overcharged in the {$1800.00}.
 XXXX 
This is calculated at {$66.00} per month starting  XX/XX/XXXX  to  XX/XX/XXXX .
my payment at the  10.14  apr should have been {$200.00} instead Santander charged me {$270.00}.     
They are a rip off company that overcharges their customers. The y should be fined for there Fraudulent actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
On  XX/XX/XXXX  I received a response from Bayview Loan Servicers in reference to an Earlier complaint that was filed. The complaint was to resolve 3 issues that Bayview FAILS to correct. Is my next step to sue Bayview Loan Servicer for failure to correct my credit report and provide a mortgage modification per the RULES of FHA and the CFPB.
        1. Bayview claims to be Servicing the mortgage from   XXXX   as of  XX/XX/XXXX . The servicing transfer notice was not sent out until XX/XX/XXXX . This is a violation of RESPA.
The Respa disclosure reads a borrower must be notified within 15 days prior to the servicing transfer - NOT 12 days after.
 XXXX 
2. Bayview fails to remove Me ....   XXXX   XXXX   from the loan, even after providing the proof from  XXXX  dated  XX/XX/XXXX . this is a Violation.
 XXXX 
3. Bayview continues to claim the loan was not modified by  XXXX  yet the documentation provided in the Verification of Mortgage on XX/XX/XXXX  from   XXXX   shows different. This is another violation of CFPB rules.
 XXXX 
4. My mothers name is the ONLY name that should be on this loan again provided are the documents from  XXXX .
 XXXX 
5. Also provided in the modification dated  XX/XX/XXXX provided by Bayview that and emails from   XXXX   XXXX   as confirmation that Bayview will credit all the insurance costs, correct the name error, and provide a new modified loan under the HAMP program.
This was not done yet again.
 XXXX 
Bayview continues the foreclosure process, while Bayview has failed to provide correct information on the new modification. How can a mortgage company foreclose on a home if they are failing to correct the loan and modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This has been happening a long time, Macy 's and some other charge me a monthly fee on top of more than half of my monthly payments in interest. I do n't want to pay 25 % interests rates when I 've been paying them and everyone else every month on time! Then to discover this is absurd! I 've been a customer for years now ...

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 2017-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In the past, WFFNB/  XXXX   XXXX   has called multiple times a day regarding a debt they claim we owe. We asked multiple times for paperwork that stated the amounts owed which we never received. I have since disputed this debt twice online. Both times my credit report updated that " consumer disputes debt '' and I never received anything verifying the debt by mail or email. Since the disputes were filed the phone calls have ceased all together. I have sent a pay to delete letter to the address listed on my credit report for the company a month ago with no response as of yet. I have also attempted to contact the phone number listed for the company on my credit report but that is an invalid phone number.

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 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello : On  XXXX   XXXX  2017 a company by the name of Experian Business Credit on behalf of   XXXX   XXXX   XXXX   made a hard inquiry on my credit without my authorization or even knowing who they are. Their address is :   XXXX   XXXX   XXXX   *   XXXX   XXXX  , CA   XXXX   These type of hard inquiries of course lower a credit score and it is especially irritating when I do not have any idea who they are and I never authorized this inquiry.
I want this inquiry removed at once - please advise - Thanks!

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 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX  while checking my    Trans Union Cr  edit report I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking  my   XXXX   XXXX   XXXX   XXXX   I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.

Company response to consumer: Closed with explanation