vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Company is attempting to collect a debt of {$9500.00} that is not owed. I was sent a letter on XX/XX/2019 stating that I owed it with absolutely no proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/19 I submitted a dispute with Experian disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Experian claims the debt was validated and did not remove it from my reports. 

XX/XX/19 I submitted a request for Experian to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

On top of that, this account is a collection reporting a past due balance. This is also a violation. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a 60 month loan with capital one I have never been delinquent over 30 days, in the last 2 years I have had financial hardship due to employment issues. I have been allowed 2 deferments and I recently requested a deferment, my balance on the car is {$3000.00}. I was denied a deferment with out explanation, I was told that everything was computer generated. 

I was offered an option of splitting my payment in 3 installments, however that will cause my account to be delinquent. I would like to know why I am being denied a deferred payment and if they can make arrangements so that my account is not past due or in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I currently have 12 [ 30 Days Late and 2 [ 60 Days Late ] payments reported on my Credit Report, that I have disputed with all 3 Credit Bureaus, and have received no resolution to date. The issue with most of these late payments reported are that they were not paid 30 days after the due dates, which are the 25th of every month. For instance, XX/XX/XXXX shows 30 days late, but during the XXXX XXXX   XXXX gave a deferment and assured consumers that payments would not be reported late, but it was. Then XX/XX/XXXX, it shows 30 days late, but a payment in the amount of {$620.00} was made on XX/XX/XXXX Prior to the payment due dates there are 'LATE PAYMENT REMINDER '' emails generated with " PAST DUE AMOUNTS '', which are generated as early as 7 days in advance. The emails will show payments that differ from the " REGULAR PAYMENT AMOUNTS '. For Example, the Payment amount due will show {$610.00} and The Regular Payment Amount will show {$620.00}, and if Payment is made for {$620.00}, then there is a LATE PAYMENT NOTICE GENERATED, AND A 30 DAYS PAST DUE PLACED ON YOUR CREDIT REPORT FOR THE DIFFERENCE OF {$2.00}. 
This is highly unfair business practice, due to the fact that the Company generates the notices and even when you logon to the payment portal to make payments, it will show ONE AMOUNT BEING DUE AND A DIFFERENT AMOUNT AS REGULAR  PAYMENT. My issue is, how the payment can be considered late, if the amount paid is according to what is showing due, and moreover, the amount paid is OVER the amount showing due. 
Also, I was informed by a XXXX representative that there is a 15 day grace period after the loan payment due date, so again how are the payments considered 30 / 60 days past due. 
I am not sure if this Credit Union is an accredited business, but what I do know is their business practices are FAR OFF, and for that reason this Bank needs to be investigated. There are only a few representatives at XXXX ( XX/XX/XXXXbeing one of them ), who are willing to really help and assist the Loan Customers.

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 2019-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac did not pay my taxes out of my escrow account when they were due. I have received an letter from the tax collector stating my taxes are overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wages have been garnished I had no clue called to find out what it was about and they would only tell me it was a Wellsfargo debt and I owed over XXXX theyd remove garnishment if I agreed to pay XXXX by XX/XX/XXXX and XXXX a month for 57 months this debt is over seven years old or older. Im XXXX and on a fixed income income I tried to tell them but they didnt care

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 2019-05-21 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: PA

Complaint narrative:
I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX/XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2019 I opened new checking and savings accounts with Citibank. I then transferred {$15000.00} to these accounts and set up direct deposit of my job salary into the Citibank checking account. I also established web access to the account portfolio. Soon I received the checkbook from Citibank via US mail. 

On XX/XX/XXXX, to pay federal and Illinois taxes, I wrote two checks from my Citibank checking account : check # XXXX in the amount of {$1200.00} to Illinois Department of Revenue and check # XXXX in the amount of {$3900.00} to IRS. 

By Thursday XX/XX/2019 by going through the Citibank web portal, I saw that both checks have arrived to the bank, were in the " clearing '' status momentarily, but very soon both checks vanished from the portal view. I called Citibank where CSR told me that both check were " recalled '' by senders. He could not elaborate what this meant so I asked to talk to a supervisor. Supervisor XXXX (? ) assured me that both checks were being cleared as a part of a normal processing and advised to check back after the weekend. 

After the weekend nothing has changed and I went to a physical XXXX location for answers. There I was advised that my checks would not be honored because of the Citibank policy that " the first two checks on the new accounts are not honored until the account holder calls in ''. 

In conclusion, Citibank broke its fiduciary duty by refusing to clear checks while the account had more than sufficient funds and in good standing Citibank failed to notify me of an apparent and obscure policy that I needed to call in before using the checks Citibank never made an effort to contact me when it received the checks, despite being in possession of all my contact information, including the Secure mailbox on their web portal. They just quietly dishonored the perfectly valid checks. 
Citibank 's phone reps gave me conflicting and erroneous information about the status of the checks As a result I incurred substantial penalties from the IRS and Illinois Dept. of Revenue ; spent  numerous hours resolving the issue and still facing the consequences of Citibank 's misdeed.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank is calling my family members harassing them with information about me. How they got my immediate families numbers is beyond me because I never listed them. When I called to confront them they stated they did nothing wrong and just left a message with my name and reference number and are unaware of how they even got their phone numbers but how they would be removed. They have yet to be removed and this is the second phone call I have made asking them to stop. The woman then proceeded to tell me that they just left a message before they took my account to a lawyer or attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a loan modification with bank of America few years ago since the beginning I did not missed any payment but bank of American lying and keep saying other wise Every time I make a complaint about it they send their lawyers trying to intimidate me they say I made a Bankruptcy lying about it with not prove they claimed I own them or Im behind but every year they keep adjusted after the new number of my escrow or insurance they say I have a balance but they wont tell me why their lawyer only send all the papers that does not explains where the shores come from today XXXX of XXXX send me a paper that they will change my contract after their contract is not suppose to change and in his paper about changing the fist ring the say pr talk is about a bankruptcy bank of america gave me a loan modification that wanted to break now with his lying or fraudulent ways to bank or lend money

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/19 I submitted a dispute with Equifax disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. XXXX claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Equifax to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applied for credit with XXXX XXXX thru XXXX XXXX. Credit was denied based on erroneous information with Experian. Credit bureau reported 'applicant is deceased '. This is untrue. Currently alive. i maintain an active account with Experian. Need to resolve this problem immediately. It would be helpful to speak with a person rather than canned numbers to punch which don't address my issue. The government knows I'm alive.

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 2019-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/19 I submitted a dispute with Transunion disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. Transunion claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Transunion to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: PA

Complaint narrative:
I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This Account is too old to be on my credit report. The account is more than seven years, it should be taken out on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
This is not a duplicate complaint. The last complaint was basically ignored. I have attached records that Suntrust does not seem to have. 

In XXXX I was forced to refinance my second mortgage with Suntrust Mortgage. 

This was to refinance a XXXX Massachusetts High Cost Home Loan with SunTrust Mortgage. 

Suntrust never properly rectified the original high cost home loan. They claim they had refunded me the interest of the previous loan, but this money was used for closing costs of the new loan. All of the funds of the previous loan went into the closing of the new loan. They also did not properly notify me that they were in violation of the statue. 

This created a new Massachusetts High Cost Home loan since I paid the closing cost. Suntrust has denied this, but I was able to obtain the check that I was then forced to sign over to attorney for closing costs. This is fraud. 

Since this was a Massachusetts High Cost Home Loan, I had an extended right to rescind. 

I exercised this absolute right to rescind which SunTrust ignored. They did not dispute or in any way argue against this recession. I have attached the rescission letter, and email I had sent. I also attached the USPS form that shows SunTrust received this rescission. 

Since this loan was rescinded SunTrust does not have the right to report this a mortgage account. 

I had previously been offered {$15000.00} to settle this loan. In a previous complaint SunTrust had said that they had not record of this. I still have these records and have also attached them. 

In short Suntrust does not have the right to report the mortgage since it was properly rescinded and they never disputed this rescission. 

Please see attached : 1. The right to rescind letter and form 2. The first page of the email that I sent to SunTrust which was a copy for the rescission mentioned in # 1 3. Copy of the Bank Check provided to the Real Estate Attorney with the instructions to immediately sign over to attorney. Not sure if Suntrust or Attorney made this note. 
4. The letter from XXXX XXXX on behalf of Suntrust offering {$15000.00} to settle case.

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 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
New Complaint! 
Since my prior Complaint I have been the victim of identity theft, reported to the police! 
There are charges on my statement I didn't incur and our fraudulent! 
Further, I purchased items at XXXX I was supposed to receive a discount as a XXXX XXXX Card holder, I never received!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my Bank of America app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru Bank of America to get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, XXXX. There was no warning or disclaimer that this could happen as such I believed that my bank ( Bank of America ) and XXXX ( since my bank was backing them ) would provide basic protections just like 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 2019-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hired a company to help me dispute some improper items, and Experian declines to let my hired help to do their job. This infringes on my right to clean up my credit report of inaccuracies. I feel intimidated by Experian and other agencies, that is why I hire people to work on my behalf. I think the credit agencies are biased, that's why I hire experts to dispute items that should not be on my credit file. Experian is doing this illegally to avoid dealing with professional credit/repair lawyers, and it constitutes a gross abuse of power, exactly like keeping a person from obtaining legal representation in a trial.

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 2019-05-21 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
A company with which I have never transacted has fraudulently posted a collection report on Experian. I have disputed the results. It is completely impossible that this has anything to do with me. On what basis are you posting this to my account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief