vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital Ones campaign of discrimination against me because I am XXXX continues. The company offers a feature that allows you to change the image on your card. I first submitted the XXXX  colors and was denied because they said it was a flag, though I purposefully made sure there was no flag border. When they rejected it, I filed a CFPB complaint. The woman who handled that complaint at Capital One had no idea what she was talking about, saying it needed to be licensed from the XXXX company. There is no XXXX company, we are simply a community that uses a set of colors for pride, but she was too ignorant to understand this. Now I have uploaded a picture of the White House in rainbow colors and even though this is not a flag in any way, they rejected it again. Clearly, this is for no other reason than they do not want their cards to have anything to do with the XXXX community, even though they happily take the money of their XXXX customers, because the image does not seem to violate any of the other image requirements. The hate and discrimination towards the XXXX community by Capital One is astounding. How they can reject an image just because it shows pride for the XXXX community, or any group, is beyond me. Clearly they dont want any support for the XXXX community on their card because of the hate they harbor towards the community.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
A debt showed on my credit report last year from XXXX XXXX for a supposed XXXX  bill that was not mine. I disputed the bill with all 3 collection agencies and it was removed as it should have been. Now a year later XXXX XXXX places the bill BACK on my credit report. Turns our XXXX XXXX and Convergent are the same company so this company after not being able to prove a false account has tried again.

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 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Im continuously harassed while at Wells Fargo bank branches in Arizona. I had to endure further harassment and discrimination today at a Wells Fargo branch. The bank limits my daily purchases to {$310.00} dollars, The bank refused to increase this limit. My Wells Fargo debit card information has been stolen at least three times in Arizona, The police have refused to process police reports in regards to this, since its based on obvious hate crimes, fraud and negligence involving both government officials and the Wells Fargo bank.

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 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Freedom Mortgage did not my pay my escrowed taxes by due date XX/XX/XXXX resulting in a penalty of {$250.00}. That late fee was taken from my escrow account and as of XX/XX/XXXX it has not been credited back to me. I faxed all docs on taxes to Freedom Mortgage XX/XX/XXXX. I've made 7 phone calls to them asking for the late fees to be added back to my escrow account. They always say they are checking on it and will call back, but they have not contacted me since their letter of XX/XX/XXXX which said they were looking into this. I have asked for an updated escrow statement on each call from XX/XX/XXXXon, but have not received one. I have repeatedly told them I would file complaints if I did not hear back. They have not contacted me since the letter XX/XX/XXXX.

Attached are 1 ) Notes from all phone calls to Freedom Mortgage 2 ) copy of fax pages including original tax bill and notice with late fee sent to Freedom Mortgage on XX/XX/XXXX 3 ) Letter from Freedom Mortgage dated XX/XX/XXXX and 4 ) Escrow Disclosure dated XX/XX/XXXX that shows my escrow was debited {$2500.00} for the taxes ( {$2200.00} ) +late fee ( {$250.00} ).

I have spent many hours trying to resolve this issue.

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 2018-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For the second time within 3 months I have received 2 unauthorized credit inquiries for credit cards, which I an unaware of. The most recent being XX/XX/XXXX, XXXX XXXXChase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent some money and. For whatever reason they sent a email saying they were going to close down my account due to suspicion but they was not closing it under any penalties or nothing bad against my account and they were going to transfer my money to an account that I had connected to my Capital One account or send it in a check within 10 to 12 days and I havent done either one nor did they shut down my account why I have an eight yet received my money and when will they be shut down the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: MI

Complaint narrative:
There are six unauthorized hard inquire 's on my report when i spoke to a rep from transunion they said there was nothing that can be done cause the inquiries are a statement of fact, but they are not, i didn't autorized any of the five creditors to run my report and there is also fraud alert on my file but they still allowed my report to be access with out my autorization, see dates below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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
Consumer complaint received 2018-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
XX/XX/XXXX Navient forgave my student loan and it was followed up by letter from dept of ed on XXXX  and said I didnt have to repay.. 

My credit report says paid in full no amount due just got phone call from Nebraska XXXX had turned it over to collections date XX/XX/XXXX I sent them a letter no taxable income I on XXXX .. XXXX. Is poverty level.. I just dont understand what going on Why is it not forgiven should be

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I was alerted by XXXX, XXXX and XXXX  that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, Experian, XXXX and XXXX that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
There is currently a cease and desist order in affect against Ocwen Loan Servicing and its dishonest employee XXXX XXXX from directly communicating with me. Opposing counsel responded to my consumer financial protection bureau complaint in the past confirming. Sadly once again, Ocwen Loan Servicing dishonest employee XXXX XXXX is directly communicating with me, which I believe she is only doing to play childish games and intentionally harass me like she has done many times in the past, Or maybe it could it be that Ocwen failed to correct its system glitzes that has cause millions of the pretender lender loan servicers borrowers harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a letter from Portfolio Recovery Associates, LLC a few months ago about a debt collection that doesn't belong to me. The name on the letter is XXXX XXXX. I have no knowledge of this person, nor this account. I did not receive any notification about disputing this account from this debt collection agency. I received a second letter on today, the letter is dated XX/XX/2018. I have contacted Portfolio Recovery Associates, LLC before about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.

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 2018-06-02 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Hello, I am reaching out today because XXXX XXXX recently bought a account from independent emergency physicia in a balance of {$310.00}. 
My complaint is I never gave permission for this company to buy my personal information. It is a violation of my hippa rights. 
This company holds information such as my name, address, medical services received and a list of other things that they illegally bought. 
With my Hippa rights being violated I am demanding that this company cease all credit reporting immediately to all 3 credit bureaus or I will seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX XXXXXXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and EXETER FI with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify  the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX  in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.

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 2018-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: NC

Complaint narrative:
Transunion did respond however I am very upset with the results ... I file a dispute with inquiries and XXXX XXXX XXXX  ( aka ) XXXX XXXX  ) also I file a dispute with XXXX XXXX ... XXXX XXXX did investigate and found this account to be fraudulent!

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB Corporation
State: NC

Complaint narrative:
I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.

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 2018-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday, XX/XX/2018 I handed the teller a withdrawal slip, photo id and my bank card to withdraw {$5800.00} which I have more than 10 times that amount in my account. The teller that was assisting me called over a senior teller to over-ride the amount. The lead teller proceeded to inform me that she was not comfortable making this transaction and denied me my funds stating she would not be able to help me. After repeatedly asking her what was making her uncomfortable with no real reason I have come to the conclusion that my appearance did not quite match my bank account, since I am a XXXX XXXX XXXX male. I asked for a supervisor or manager unfortunately none was on the premises so she needed to call one on the telephone and explained her position. The lead teller refused to assist me with my withdrawal and suggested that I go to another branch to make this transaction preferably one that knows me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.

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 2018-06-02 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: CA

Complaint narrative:
I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/TD with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation