vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I RECEIVED A FRADULENT EMAIL FROM BANK OF THE WEST.

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 2018-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
We have property damage claim that was filed with XXXX XXXX XXXX in XX/XX/2018. XXXX XXXX has paid 100 % of the claim. Because XXXX XXXX is a lender on our property the insurance checks from XXXX XXXX were made payable to us and XXXXXXXX XXXX. We have received {$25000.00} from XXXX XXXX and have sent the payments/checks to XXXX XXXX. XXXX XXXX has only released {$11000.00XXXX XXXX XXXX XXXX payments on XX/XX/2018 and XX/XX/2018 to pay a portion of the repairs. Contractors finished that portion on XX/XX/2018. There is still a remaining {$13000.00} that XXXXXXXX XXXX is still holding. Our mortgage is up to date and according to XXXX XXXX XXXX protocol, in order for additional funds to be released, they require an inspection. Contractors are finishing the repairs based on our claim. We have scheduled via XXXXXXXX XXXX two appointments to have this inspection completed so funds can be released to the the contractors for work completed per our contract with them. The inspector has FAILED to show up both times, has not called and will not return our calls. WE have expressed this to XXXXXXXX XXXX both times. They have given us the number to the inspector that THEY have contracted with to resolve. This is not acceptable. We have contacted XXXX XXXX to get this resolved to no avail. WE do not have the personal funds to pay the contractors for the work they will finish in about XXXX day. We have also made XXXX XXXX aware that this issue is going on. However, XXXX XXXX says they have any authority to help resolve. Since XXXXXXXX XXXX has taken longer to pay out disbursements, other damage, MOLD damage has occurred. This will cause an ADDITIONAL claim to be submitted to XXXX XXXX for Mold Remediation.

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 2018-09-21 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian:XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018 I was suppose to have funds transferrd from XXXX XXXX XXXX via XXXX. To another XXXX account. Instead they transfered to my closed account at U.S. Bank. This account was closed XX/XX/2018. Then U.S bank notified me via email that the funds were deposited to my account. How is this if it is closed? We have been going back and forth with XXXX and XXXX XXXX XXXX. No one will help. XXXX says it is the bank. U.S. Bank said if account was closed it would be returned. Still not returned to original account. XXXX XXXX XXXX says wait 15 days then wait 45 days. NOW XXXX XXXX XXXX says they can not help us. Says XXXX fine print says too bad not responsible. The Banks force us to use XXXX. YET THEY DON'T PROTECT US! 
The monies were XX/XX/XXXX Was deposited to U.S. Bank for XXXX XX/XX/XXXX " XXXX XX/XX/XXXX " XXXX One XXXX payment made it to my XX/XX/XXXX account on XX/XX/XXXX These went to U.S Bank because the email was the same on XXXX. We were trying to figure out how to send to XXXX. Several attemps failed. Called XXXX after all this then they tell me I had to delete my account on XXXX and re-enter. No where on its site does it say this. And it is not that easy to find on XXXX XXXX was also unaware of this. 
This does not solve the problem of where is the money??? 
As of right now no one can tell me where the funds went. I was told too bad you used XXXX. HOW CAN THIS BE? Someone has my money. This was somone trying to pay their rent to me. 
I tried calling U.S. Bank and Iget switched to wrong departments.

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 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : 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 2018-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have contacted this company 8 times in the past two months I made one purchase made one payment for the exact amount they have double billed me the company sees the problem but no one can correct it they have sent me a letter stating they over billed me on XX/XX/18 I continue to get multiple late payment emails my credit card score is showing a delinquent payment on these multiple phone calls they have averaged over thirty minutes per call

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 monetary relief
Consumer complaint received 2018-09-21 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: NJ

Complaint narrative:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the  online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

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 2018-09-21 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: NJ

Complaint narrative:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: NJ

Complaint narrative:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

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 2018-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX:XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I'm extremely disappointed by the predatory behavior of Navient. My paperwork disputes what your customer service reps are saying my total is ... that is very concerning and the fact that it will take a week or more until I get a statement is also concerning. 

This rant is also brought on by my recent research. Taking a deep dive into my emails from Navient starting in 2014, they have only pushed forbearance on me. It wasn't until very recently they offered other solutions. Now that I make far more money than I did out of college those other solutions wouldn't work for me anymore .... but they would have been GREAT during that time. And the only reason my loan is where it is ... is due to my situation after college ( getting paid minimum wage at an XXXX XXXX and suffering from health issues ) Also, their customer service rep today around XXXX ... suggested forbearance again! Only when I asked what the negative effects were he told me it would add more costs to my loan. Only when I asked if it was a better solution to pay it off next week, he told me. After my questioning, he hung up the phone aggressively. 

I'm very VERY upset and disgusted with how Navient is run. Nearly all college graduates I know have been screwed over by them in one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXXXXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX:XXXX Transunion XXXX XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : 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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have had Mastercard with Capital One for quit a while. A few months ago someone got my credit card number and used it on various purchases and when I found out about it I filed a complaint with Capital One and just today I received 2 letters from a employee XXXX stating the fraud issue had been solved and should show on my statement .. First of all she had no clue that my account had been closed because of the fraud issues.. I spoke to a supervisor and he too didnt know it had been closed.. I asked if I could have a new card because of the fraud had been settled. Everyone told me I needed to apply but I had already applied but because of the fraud my credit isnt good and they refused me with a new card.. But there isnt a person that I spoke to had no clue. Evidently they dont leave notes. I went on line to view my account and of course there wasnt anything there.. All I want is a new card and not one person will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Greetings, On XX/XX/2018, I initiated a transfer of USD XXXX via Western Union to my sister ( XXXX XXXX XXXX XXXX XXXX ) in XXXX, XXXX ( XXXX XXXX ). She could not collect that money because she was denied by the cashier without any further explanation. 
Of note, there was another transfer made by another family member to the same receiver XXXX XXXX XXXX XXXX XXXX ) to be picked up that same day ( XXXX XXXX ). She effectively collected that one in XXXX on XX/XX/2018, at XXXX local time. 
Given that the transaction # XXXX XXXX was denied, I reached out to Western Union for a refund, which they declined, claiming that it was paid to the receiver. I opened an incident report for clarification. Upon investigation, Western Union claimed that the money was collected in XXXX, a city about 150 miles away from XXXX on JXX/XX/2018, at XXXX XXXX EST ( i.e XXXX local time ). 
I reached out to Western Union again and I provided all the required documentation for the investigation. I remember speaking with XXXX ( fraud department ) who, upon review of the documents, agreed that it is unlikely that the money was collected by the receiver. She promised to escalate the case to the higher authority within Western Union. The last time I spoke with her, she recommended that I file a claim with the police. 
In summary 1. Transfer # XXXX XXXX : declined 2. Transfer # XXXX XXXX : collected on XX/XX/2018, in at XXXX in XXXX, XXXX 3. Request for a refund on the declined transaction is rejected by Western Union 4. Western Union claims that Transfer # XX/XX/XXXX XXXX was collected on XX/XX/2018, at XXXX in XXXX, XXXX Major discrepancy : The same person could not have collected two transfers within 14 min in two different cities that are at least 150 miles apart ( comparable to completing two transactions PHYSICALLY in XXXX and XXXX within 14 minutes ). This is humanly impossible even if traveling by air. Besides, the transportation infrastructures in XXXX are not among the best in the world. 

I really need your help with this matter. USD XXXX ( plus fees ) is too much money for me to lose. Western Union needs to refund my money if they can not explain to whom it was paid to. It was definitely not to the receiver I requested according to their terms and conditions of service. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hewitt-Capital
State: TX

Complaint narrative:
I am being harassed by a company that refers to themselves as XXXX XXXX   XXXX. My family, friends, and I get phone calls frequently stating they have an open case against me that is being filed with the county or that I need an attorney because Im being sued. These calls phone calls are disruptive to my work life and could cost me my job. Ive blocked them numerous times but they continue to call with different numbers. They are relentless. They tell lies, use fear and coercion to make you pay. The most recent number they called with was XXXX at XXXX to myself and my XXXX XXXX XXXX father advising a case was filed against me with the district attorneys office and I am being served. Nearly gave my poor old father a XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged by XXXX XXXX XXXX for life Insurance that I did not authorize which was {$72.00}. I requested a dispute with my Chase Debit card. Chase stated that the company XXXX XXXX XXXX stated that they would not refund my money because I cancelled too late. I was charged on XX/XX/2018 and XX/XX/2018 in the amount of {$36.00} each for a grand total {$72.00}. I did not discover these charges on my credit card until XX/XX/2018. So, I then filed a dispute with Chase and was told that XXXX XXXX XXXX denied my refund. Then on XX/XX/2018 Chase stated that they could not dispute the charges, and that it was out of their hands. However, Chase did dispute the charges in XX/XX/2018. Then Chase denied the dispute a few weeks ago without informing me as to why. I'm not sure what is going on as to why Chase has refused to dispute my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: CA

Complaint narrative:
I faxed a letter to EQUIFAX last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. To my surprise, a rep named XXXX called me from Equifax asking me what account I am disputing when it clearly shows on my letter which account it was. As I write this letter, this incorrect/invalid account continues to damage my credit file and Equifax doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

Company response to consumer: Closed with non-monetary relief