vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 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: OK

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
i BORROWED {$5000.00} TO PAY BACK SOCIAL SECURITY AS THEY PAID ME TOO MUCH AND WERE GOING TO WITHHOLD BENEFITS. I AM XXXX AND A NON-COMBAT VETERAN. I WENT THERE AS THEY GAVE ME FUNDS IN 24 HOURS WHEREAS MY BANK WANTED 14 DAYS. I GOT THE MONEY PAID OFF MY SOCIAL SECURITY BALANCE AND PAID OFF A CREDIT CARD. I THEN WENT BACK TO MY BANK TO REFINANCE AT 9 % IN LIEU OF 27.58 %. aT MY CLOSING ONE MAIN FINANCIAL CHARGED ME {$270.00} IN A PRE-PAYMENT PENALTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.

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 2017-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am XXXX XXXX military member with the XXXX XXXX XXXX XXXX. I have a checking account with USAA. On XX/XX/XXXX mobile deposits were made into my account in the amount of {$6500.00}, {$6700.00}, and {$500.00} for a total of {$13000.00}. The deposits were made by a " XXXX XXXX '' XXXX XXXX XXXX, XXXX GA, and the check was from a XXXX XXXX XXXX XXXX Account. I do not know XXXX XXXX, how she got my bank account information, or how the deposits were made. On XX/XX/XXXX, several debit withdrawals were made in increments of {$1000.00}, {$1500.00}, and three ( 4 ) {$2000.00} withdrawals for a total of {$10000.00}. The withdrawals do not provide any information about who withdrew the money from the account. The deposits of {$13000.00} were also withdrawn. I spoke with USAA reported the incident, it was investigated, and was told that they could not help me because it was a " personal matter. '' I also spoke with a legal assistance attorney with the XXXX XXXX and was referred to this complaint system with the CFPB. Any help in the matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
My XX/XX/XXXX statement showed a closing balance of {$100.00} on this account. When I ACH transferred that {$100.00} out to another bank, the transfer was refused by Peoples United Bank. Subsequently I received a statement from them showing a {$12.00} Service Charge which reduced the account balance to {$88.00}.
This account has been in existence for decades, from long before Peoples Bank took over the local bank. There has never been a monthly service charge before, and there has never been any information received from the bank about the implementation of such a charge.
I wrote the bank regarding this ( see attached ) but have only received a notice from them indicating that the account has been charged another {$37.00} fee for the overdraft. It instructs me to cover the overdraft as soon as possible and to sign up for overdraft protection.
Because of their reversal of the {$100.00} ACH transfer, the account still has funds in it and there is no overdraft to cover.
I am filing this complaint because the bank was not authorized to levy a {$12.00} Service Charge in the first place, and that the fees they and another bank have levied are all due to their improper application of the {$12.00} fee.
The bank to which I made the ACH transfer has also charged me {$25.00} because Peoples reversed the ACH transfer claiming insufficient funds.
I want your help in having 1 ) Peoples rescind the two fees ( {$12.00} & {$37.00} ) and to reimburse me the {$25.00} fee levied by the other bank. I request that they send me a check for the {$100.00} that was in the account plus the {$25.00} fee from the other bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. 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 2017-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Deutsche Bank
State: PA

Complaint narrative:
Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been working with Wells Fargo for possible home retention options in order to avoid foreclosure and remain in my home. After several attempts and even hiring an attorney, I feel defeated. My first submission was denied due to Wells Fargo stating they could not reduce my monthly payment, I think re-applied using my girlfriends income, which double my income at the time, they still would not provide me with options. Finally a 3rd attempt was made which reflected my most recent income, my rental income and proof of ability to pay and yet once again I was denied as they stated they " can not review the file due to the changes of circumstances being the same '' although that is not true, my income is different. I am not asking for a lowered payment, I am simply asking to start making my payments again. I explained my hardship, in 2010 my XXXX son was XXXX XXXX XXXX XXXX XXXX, additionally I then went through a divorce. These too major events impacted my life and was unexpected. I did not intentionally default on my mortgage but things happen and I am grateful to even have the opportunity to be considered for options but feel I have been treated misfairly and not being properly considered for all options to save my home.

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 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXXI took a phone call from a debt collection representative at Synchrony Bank for an Amazon XXXX Store Card. The debt collector informed me that he was calling regarding my debt and that my account was still ACTIVE and OPEN and if I paid the past due amount, then I would be able to use available credit line that was on the card.
I informed the rep that the account had been closed in XXXX 2016. He said that was not true, that the account was OPEN and ACTIVE and that the past due amount needed to be caught up.
Over the course of the call, the collections rep repeatedly lied about the status of my account in an effort to coerce me into paying the past due amount.
According to the FTC regarding Debt Collection, Debt Collectors may not make false statements when they are trying to collect a debt.
The representative that called me on XX/XX/XXXXencouraged me to go to the Synchrony Bank website, log into my account, confirm that the account is open and make that payment there.
I checked my account on line and it is closed. I 've also confirmed what I already knew with a Synchrony Bank representative on XX/XX/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