vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I got charged a {$30.00} fax/email fee in order to get a loan pay off statement. I didn't have a choice but to agree to this fee. I don't understand why I am paying off this loan they get to charge me the consumer a {$30.00} fee just for them to hit print and print off a pay off statement. This is criminal - I never had a choice to agree to this fee or not. If I wanted to pay off my loan I had to agree to it in order to know how much I had to wire them to send it in. 

Flagstar Bank , FSB XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
After submitting a complaint with the CFPB about a debt that is on my credit report that does not belong to me. I was contacted by a XXXX XXXX at Thunderbird Collections and he was extremely rude and abusive. 

They claim that because a debt is owed by my spouse they can put it on my credit report which I have never signed anything with them or at the time of service and after requesting validation the only thing they send me is things in his name. 

I understand that Arizona is a joint property state, but if all of my debts were my spouses and vice versa then everything on both of our reports positive or negative would be on each others reports. The Fair Credit Reporting Act is federal and it states they must provide proof of from the furnished that this debt is mine and it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Claim # XXXX Ive reached out to Wells Fargo numerous times in regard to the events that have occurred on my account. A couple of faulty fraudulent checks were deposited in my account that I didnt authorize, so I called as soon as I came to the realization and have been in distress since then. They were informed that my identity was stolen and as a result someone whom I DO NOT know and wouldnt know if was a family member, as they stated I told them is responsible. Im tired of having these false statements and accusations alleged on my name and Im about to get ready to file a lawsuit regarding this matter cause its not right. This is my last time trying to get this resolved in the matter it should be handled cause Im a victim of fraud and identity theft getting treated like a unvalued customer.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I faxed and mailed challenge letters to Experian in reference to accounts that are reporting falsely which are XXXX XXXX XXXX/ XXXX, DEPARTMENT OF DEFENSE , AND XXXX XXXX XXXX XXXX with all the account numbers to match. I asked Experian to investigate these accounts because they are reporting falsely. I listed the reason for the violation and what I wanted done which is for the items to be deleted. I asked after deleting these accounts to send me a COMPLETE and fully updated credit report. I included a tracking # and a paper trail # so that I can have these for my files. I also included supporting documentation that shows the inaccuracies and circled them in red as proof. I also including my identification to prove that I am who I say I am. The investigation was opened on XX/XX/2019 and the investigation was closed on XX/XX/2019. The date of status never changed for the XXXX XXXX or XXXX XXXX XXXX which is a violation for one and two shows that NO INDEPENDENT investigation was ever conducted which is a violation under the FCRA. For the DEPARTMENT OF DEFENSE account it states the item was updated from processing of dispute in XX/XX/2019 but I just challenged this account on XX/XX/2019 which also tells me no investigation was ever performed. I very upset and very dissatisfied with this company and how they are handling my credit and personal information and my rights under the FCRA. I want these items deleted from my credit report immediately because I have done exactly what was asked which was a letter 100 words are less stating the issues supporting documentation to go along with and what I wanted to be done and this has not happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
Hello - My mortgage account transferred from XXXX to Loancare as of XX/XX/2019. I made an electronic payment of {$1100.00} to Loancare through XXXX XXXX Bill Pay on XX/XX/19, but used the old XXXX account number, as I didn't receive a notice advising my account number had changed until after the payment was made. 

This payment has not been posted to my mortgage account at Loancare as of XX/XX/19 despite various attempts to resolve the issue with Loancare. XXXX XXXX XXXX uses a processing company to deliver payments called XXXX ( also known as XXXX ) Bill Pay. A branch banker at XXXX XXXX sent XXXX Bill Pay electronic payment proof that the payment was made ( also attached the proof details to this complaint ). 

After not getting anywhere calling Loancare directly, I worked with a banker at XXXX XXXX XXXX who placed several calls with me to Loancare and provided the proof details to Loancare. When the issue remained unresolved, on XX/XX/19 a case was opened at XXXX XXXX and a Bill Pay Resolution specialist got involved. I placed a series of calls with this specialist and Loancare, each time being advised the issue would be escalated and resolved. On XX/XX/19, Loancare provided ticket number XXXX when XXXX XXXX XXXX once again sent proof details along with a request to post to the correct account. 

We then followed up with Loancare on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being advised a supervisor would call back but either we did not get a call back or received a call back saying they would follow up again but not following through. 

I'm opening this complaint as a last resort. 

Thanks for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried several times over the last couple of years to have Capital One lower our interest rate on our credit card, with no avail. I pay the card on time, and often early, and always pay more than the minimum. This positive track record dates back more than five years, yet when I call to request the rate to be lower no one can help me and have never been granted a reduction. Is there any regulations over the rates these companies charge and how often the reduce the interest rates :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Outrageous service fees for recent financial records. {$5.00} for each statement for a total of more than {$180.00}. I need financial records for my father 's rep payee account and trust account. I supervised both accounts while he had XXXX XXXX. After he died Golden 1 automatically terminated both accounts before I could download the full records. I went into the local Golden 1 office. They printed only the most very recent financial records for me. When I requested all the financial documents going back to mid 2016 they told me they will charge me {$5.00} for each and every month! It is Outrageous that they turn simple access to relatively recent financial records into a gross profit making scheme. {$5.00} for the first month is one thing, but {$5.00} for each and every month is just plain thievery. These people are crooks. A {$180.00} for me is a big deal because I am XXXX and living on a fixed income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/19 had {$240000.00} wired into an account I set online. I have spent approximately 10 hours of phone calls and emails attempting to get access to the account. After several phone calls, I leaned that the first two XXXX verification documents I sent were rejected because they were in my first name and not the initials I used to set up the account. When I asked why I had not received any communication from them as to the problem, I was told they don't make those types of call. On XXXX, I uploaded another XXXX document that had my address and my name listed as initials and received a confirmation from bank that doc had been received. I just got off of another 45 minute call today ( XX/XX/XXXX ) and was told that the doc was never received and I should call again next week. I spoke with a supervisor who told me that she would have to check with another dept and get back with me but advised that Citibank might reject doc anyway ( because I recently moved and the bill did not include the last 30 days ). I told her that if that happened, I just wanted to get my money. Her response was to tell me that it could take 30 days for them to send me a check.-which would mean they would have had my money for 45 days for free. This is a pretty shady way for a bank to make its money and its money seems more criminal than just bad customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have a American Express Bluebird prepaid card for a couple years now. I use it ifor everything I recently I been on vacation this last week and two days before I was headed home I try to use my card and it got declined so I called the company right away and they told me that somebody was able to get on to my account to change my information and get a new card sent to different address. I've been on the phone with the company for 3 days and I told them that all my money that I had went on to that card it was {$1500.00} I told them that I I was stranded thousands of miles away from my house that I need to get home I rented a car it was on that card my rent my way to get home everything they told me I'd have to wait till the XXXX to get it done I don't understand it's my money I need it right now didn't make a purchase or order a new card I thought they had the protection against that but I guess not I'm down in out an have tried everything and am getting no where with American Express. I have no other money I'm stranded with my son. There's got to be something that could be done??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
so I logged in to Capital one website on XX/XX/XXXX the due date on my account I made the payment on Monday for some reason It did not go through all the way so I got a late fee. I called customer service to tell them what happened and none of them would waive my late fee for me I have sent emails to Mr XXXX and a bunch of excecutives and have heard absutoley nothing I even tried to call the contract I had in the corp offices from last time and he docent work there anymore. This is not the `1st time I had a problem with there website. I have talked to a manager named XXXX who's employee number is XXXX XXXX who does not think my late fee issue is warranted to send into customer relations and she won't help me and docent think my issue is important enough to send the coreperate office at all she is very rude and act she was god and I could not talk to anyone above her and she made me really upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 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:
ThisisforExperiancreditbureau.XXXXXXXXXXXXgotthisaccountfromAuraXXXX/XXXXremovedfrommyExperiancreditreportinXX/XX/2019.Soexprianyouneedtoremovethisnegativeremarkbecauseitisstillpostingonmycreditreport.ProofisattachedcontactXXXXXXXXXXXXformoreproofofthematter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Today I noticed I have had a recurring charge of {$19.00} each month on my credit card statement from Transunion since XX/XX/18. I did not request any services from transunion. The only email correspondence I have from them is from XX/XX/18 when I requested they unfreeze my account as I was shopping for a mortgage at the time. According to my transunion account online the charges were for account monitoring. I can only assume that they signed me up for this in the fine print of the contract for unfreezing my information. Today I called them to cancel and request a refund. First they tried to sell me the product I had already been paying for, then they told me I could only receive a refund for the latest charge. I asked for the manager who came on the line and without actually saying it told me the only way I could get the refund was to claim it was fraud. Which results in them locking out my information from anyone looking online. Doing that resulted in my getting a complete refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This is a student loan that my wife took from XXXX while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: KS

Complaint narrative:
This is a student loan that my wife took from XXXX while attending college in XX/XX/XXXX. When we got divorced in XX/XX/XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Home Loan Center, Inc.
State: NV

Complaint narrative:
Three attempts to unsubscribe to Lending Tree. Daily barrage of solicitations for credit. It also seems to have information about my debt that should not be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Auto-pay communication to me on XX/XX/XXXX was incorrect by Chase. Chase states otherwise. 

Chase did not advise of new servicing transfer 15 days before the effective date of transfer of mortgage Chase issued a payment confirmation number for XX/XX/XXXX for balance due prior to XX/XX/XXXX. However, Chase did not take funds for payment from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
We did not even file Chapter XXXX- There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XX/XX/2014 so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I got a bundle with XXXX XXXX XXXX as of today 's date they never gave me my military discount nor any discount for having multiple services as they advised they were going to do when I signed up I gave them a copy of military id card and advised them on numerous occasions that I did not get the discount for having cell phone home phone internet I am still waiting on the correction to my bill. XXXX XXXX XXXX advised they were working on it but after several months not one discount had appeared on the bill as agreed when I got the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.

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