vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.

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 2018-01-06 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: MI

Complaint narrative:
I HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to report an account that is erroneous from a company who has not to verified or provided any documentation for an account I have no knowledge about. Despite numerous requests to creditor and credit agency. Neither has complied to date.

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 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Transunion to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 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 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.

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 2018-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX to file a dispute for multiple hard inquiries placed in my report without my consent. The agent told me that I am not allowed to dispute inquiries even if they are incorrect. These multiple inquiries were made without my consent by me applying for a mortgage online the companies have sent my information to multiple lenders that have pulled my credit report without my knowledge. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I never went to that school

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A XXXX XXXX XXXX PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. 
I just got this account. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I have mortgage with Ocwen Loan servicing LLC # XXXX. Ocwen claims that I am behind payment by more than one year. However, I have always sent my mortgage payment. I have asked them several time to send me statement of account mentioning what payments they have received and what payments are missing. They do not send that and demand that I pay the whole amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A WELLS FARGO MORTGAGE PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 2018-01-06 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO WELLS FARGO. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID XXXX DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, WELLS FARGO LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. WELLS FARGO 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND WELLS FARGO IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH WELLS FARGO TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, WELLS FARGO WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. WELLS FARGO WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE XXXX, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE WELLS FARGO HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT WELLS FARGO RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH WELLS FARGO.

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 2018-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I submitted a IDR renewal request in late XXXX and was notified by the loan servicer ( Nelnet ) on XX/XX/XXXX that they had received the request. I followed-up with a call to make sure everything was in order. I then received a letter the first week of XXXX ( dated XX/XX/XXXX ) that they needed additional information to process the request. However, when I called to speak to customer service, they said I needed to fill out the IDR request again and that there was no record that they had received ( despite having sent me an email confirming receipt of that request ). Given the loss of documentation and delays on their end, I doubt they will be able to resolve this before the XXXX deadline ( and I will thus fall out of the IDR payment plan and have to reapply ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}. 

I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold. 

I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days. 

I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus. 

I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week. 

Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office. 

On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon. 

Fifth Third Bank owes me my {$200.00} reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-06 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.

Company response to consumer: Closed with explanation