vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
I went to Freedom debt relief company for a consolidation loan in XX/XX/XXXX. They told me I didn't qualify for a loan because my debt was at 80 % of my total available credit, and I would be great and using their debt relief service. They told me to stop paying me creditors and change my personal phone numbers listed with the credit card companies and give their number. About six months I paid {$400.00} per month while intrest and late fees piled up to my account. From XX/XX/XXXX to XX/XX/XXXX I had made payments for nothing until they claimed they made a settlement with XXXX XXXX and XXXX XXXX XXXX which accrued a lot of debt. They supposedly settlement at 50 % of my debt which went from XXXX to {$12000.00} but they locked me in at owing XXXX at a high rate of 22.9 % which they didn't tell me in the beginning. 1 year later I still owe over {$14000.00} and my original debt after settlement was {$12000.00} and they ruined my credit score. It was much higher before I started doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX ). Medical fees were paid in full to XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX online payment site. Request to have reported collection removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a secured credit card with {$500.00} in XX/XX/XXXX with XXXX. The card changed ownership to Capital One in XXXX. I closed the card today and asked for my {$500.00} back, and Capital One said their records say it was always an unsecured credit card and that I never paid {$500.00} to open it. They're the ones that provided that XX/XX/XXXX date, so I went to my XXXX XXXX XXXX account to get my statement from that date, and they told me they only keep records for 7 years! So i apparently just lost {$500.00} ( or more accurately, a bank stole it from me! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: BANCO POPULAR DE PUERTO RICO
State: CT

Complaint narrative:
Hard Inquiry from called Banco Popular De Puerto Rico. I live in US, never applied for anything with this company. I just found it today when I happened to check my credit. This was done on XX/XX/2018 I did notice my credit score went down and why I checked it. 
I called their # and was told to call the credit company. I call them ( XXXX ) abd they state they cant remove or investigate.

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 2019-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received check number XXXX from CitiMortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX for an escrow refund XXXX dated XX/XX/XXXX for {$250.00}. It was issued by Citibank XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX internal check number XXXX. 

I have the check in my possession and have not endorsed or made any attempt to cash it. I found it after I had my home renovated. In XX/XX/XXXX, I sent a certified return receipt letter to CitiMortgage at the XXXX address. It was returned to me. 

I'm unable to make the proper contact with CitiMortgage regarding this matter. 

Thank you for your assistance with this matter.

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 2019-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.

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 2019-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I called to change the date of my auto-debit for my student loan payment from the XXXX of each month to the XXXX of each month. I asked at least twice in different ways to confirm that the auto-debit date change would start in XX/XX/XXXX, not at the end of XXXX, since I had already made my payment for XXXX. I was assured both times I asked that my first payment where this date change would take effect was XX/XX/XXXX. 

Today when I logged into my checking account, I saw that an auto-debit is pending from my account for Monday, XX/XX/XXXX. I called Nelnet, who processes my student loans, and was told I needed to contact my bank because it was too late for Nelnet to stop the auto-debit. My bank was unable to help because the transaction is occurring within 3 business days. The Nelnet representative when I called back to Nelnet for a resolution was incredibly unhelpful, saying that I would " just have to incur a non-sufficient funds fee '' if I didn't have the money in my account to cover the payment that I was assured would not be coming out of my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This bank treats me horrible I recently lost my wallet and reported my 2 credit cards as lost stolen and their was fraud charges I was billed they said I wont be liable until recently they mail me letters and are extremely rude threat to close my accounts this is not fair very rude and they wont initiate a claim to refund me the charges they promised me would they denied my claim claiming I had the card In my posesion when this was reported immediately to them

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 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: GA

Complaint narrative:
Did not receive notification from the hospital, or company regarding the debt. The total amount is {$650.00} and the dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The letter never reached my residence whether it was lost in the mail or never sent I do not know. I contacted the collections company because I saw them on my credit report. On my credit report it states the debt is only {$110.00}. Upon calling the company I found out the total was {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX XXXX ). Medical fees were paid in full to XXXX XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX XXXX  online payment site. Request to have reported collection removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
The company is charging an excess of 600 % APR for {$400.00}. I now owe over {$600.00}. As such, I am unable to pay of the loan. I have notified the company of the Florida statutes. They alluded to Federal law, but they could not cite the statutes that show that the loan is not able to addressed under the Florida courts. They have sent me misleading information, which was revealed to be half-truths when I read the CFR and XXXX regulating the matter. I believe that legal error happened and that they are attempting to take advantage of a permanently and total XXXX veteran on a fixed income. As such, I am requesting that CFPB and FTC investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I was contacted from XXXX that someone had opened a CC account for XXXX under my name. I did not open this account. This happened without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I was told several times that if I paid the debt that they would remove it from my credit report. I called the original creditors and they explain that it would be on my report for 5-7 years. I asked the collection agency to put it in writing and they refused. If they were going to remove it as they say then hey would put it in writing so they are lying to people to collect on these debts. Im not even sure if I owe it. I asked for a breakdown and the girl just wanted to argue. I want it in writing that they will remove the debt once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XX/XX/2019 I submitted a complete financial application for assistance with my mortgage. I had fallen behind after my mortgage payment ballooned from {$1000.00} per month to over {$3000.00} per month. My application contained all of the required documentation that was up to date including my bank statements from closing dates XX/XX/2019, XX/XX/2019 and XX/XX/2019. Those three bank statements showed my rental income deposits. Since that submission PHH is stating the bank statements I submitted are too old ( over 90 days ). They are saying this after stalling on making a decision on my application since that submission date. Most recently they sent out a letter stating the bank statements are over 90 days old. I hired an attorney to assist me and the attorney keeps telling PHH they are required by RESPA Regulation 1024.41 to review application and make a decision. They are not allowed to continue to let paperwork expire and ask for it over and over again. That was the purpose of RESPA Regulation X. PHH continues to do this and evade reviewing my application. Under duress I have sent in an additional bank statement as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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:
This company XXXX XXXX XXXX put incorrect information on my credit report in regards to an account they claim I owe. I sent a certified letter with a return receipt to this company on XX/XX/2019 requesting that they send me debt validation that I owe this debt. By XX/XX/2019 I still had not received anything. I then requested Experian to remove this debt off my account by sending them a certified letter on XX/XX/2019 and they stated that the company provided them with documentation that the debt is valid. I called Experian on XX/XX/2019 and spoke with a rep named XXXX and asked him to mail the valid documents that the company provided to you but not to me. He stated that they don't know what information the company sent and the dept that processes that information does not have a phone line or email and he can't remove the account.

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Husband is traveling in XXXX. I went to log in on our laptop to make a payment at my Grandmas home. CapitalOnes server must have noticed that the I.P. Address was different from our homes and asked for verification via one of three options. Each of the options, however, required a smart phones texting feature. Unfortunately, he was not able to perform any of the options due to very limited service. There is a tollfree number for this situation posted on the bottom of the webpages verification page. 
When I called the tollfree number, they asked for him to send a photo of the front and back of a government issued I.D . However, they also placed a hold on the card making it unusable. So, he is stuck traveling in XXXX with no Credit Card for two weeks. 
This is horribly upsetting as we informed CapitalOne prior to his departure that he would be traveling to XXXX and made certain that the account was noted for travel outside the US. We provided verification via the telephone that it was indeed him traveling to release the hold with no success. 
I fail to understand why they would place a hold on the card, making unusable after all of the precautions have been made and after all of the verifications have been performed. This is not only a major inconvenience, but a safety concern. CapitalOne is negligent in jeopardizing the wellbeing of an American traveling overseas who was depending on their services. 
Monies will now have to be sent via a service at additional costs and hopefully will be accepted at locations to provide him a safe return. 
There are so many other credit card options that offer better interest rates and rewards and would never consciously jeopardize the safety and wellbeing of their users. Be warned, stay far away from CapitalOne!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I INFORMED THE LENDER THAT MY MONTHLY STATEMENT WAS INCORRECT. 
FCI LENDER P.O. BOX XXXX XXXX, CA XXXX. THE LENDER HAS FAILED TO RESPOND TO MY NUMEROUS REQUESTS. I CONTACTED MR. XXXX XXXX AT FCI LENDER. MY LOAN NUMBER IS ( UPON REQUEST ) MY MORTGAGE IS PAID CURRENT BUT IT IS NOT REFLECTED THAT WAY ON MY MONTHLY STATEMENT. PLEASE ASSIST ME. MR. XXXX IS REFUSING TO TALK TO 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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a Checking account with TD Bank, and on XX/XX/XXXX I had funds in the amount of XXXX dollars in the account. On that same day a check was debited out of my account for XXXX, and a pending transaction for {$48.00} leaving XXXX in the account. On XX/XX/XXXX funds were debited out of my account for XXXX dollars, which of course sent the account into overdraft which I understand. An over draft was assessed to the account on XX/XX/XXXX and I then deposited XXXX dollars into the account on XX/XX/XXXX. Now this is where it gets interesting, also on XX/XX/XXXX that same fee for XXXX dollars that was PENDING and already debited out of my account is posted and TD charges an overdraft fee for this! So I am being charged an overdraft fee 2x for the same transaction, or being charged for what I see as incredibly unfair lending practices. To rehash XXXX is the amount in the account and a rent check comes out for XXXX, and there is a pending charge of XXXX, leaving me with XXXX dollars roughly. Then XXXX is debited out of the account and I am XXXX dollars in the negative, thus a XXXX dollar overdraft. However, immediately after this TD now fully recognizes the XXXX dollar charge which was pending and Overdrafts me again. What TD did was hold the XXXX, so when the XXXX was withdrawn I became overdrawn and was assessed a XXXX dollar fee. Then TD no longer holds the XXXX and even though the funds were already accounted for I get another charge how this possible? If this XXXX dollar charge was debited out of my account and is what caused the XXXX debit to be a negative balance, then how can it also be added to my account in NAME only and I be charged again???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I did recieve notice that my loan had been sold nor that servicers had been changed until months after my servicer had changed. After learning of the change I was 3 months behind on my mortgage which I was told if i set up automatic payments to be withdrawn by the servicer each month the late missed payments would be deferred and i would be made current on my loan payments. I set up automatic payment withdrawl but was notified in XXXX that no payments had been withdrawn and my mortgage was now 9 months behind and my home was being set for forclosure sale and would be auctioned on XX/XX/2020. The servicer, Fay Servicing told me to send in an application for Loan Assistance Modification. The servicer spoke with me on the phone and told me they would email me the information needed for the loan assistance application. I recieved an email that stated that the loan application was attached and to return it. The application Fay Servicing had provided was completed and returned. After multiple attempts to contact my loan speacialist and after waiting 10 days I contacted Fay Servicing and spoke to a customer service representative who verified my application had been recieved and was in his words " complete except for the insurance declaration ''. It was during this call that i was told I was supposed to include a declaration of homeowners insurance with my application. I sent this in that day but recieved a letter from Fay Servicing days later stating my application for loan assistance had been denied due to an incomplete application. I explained that i had not been told in my email from my loan servicer that the dexlaration was needed with my application and that the the lender had obtained insurance on my home. I was told there was nothing they could do now brcause the 37 day prior to foreclosure date had past so a new application would not be accepted despite them providing incomplete information. I spoke to my loan servicer specialist who sent me the email lacking the complete application requirements and she said there was nothing she could do and my only option was to pay the costume mortgage payments an additional fees prior to foreclosure date. I then received another letter stating that Fay servicing have canceled the lender obtained insurance the day after recieving my insurance declaration. Now my home is going to be auctioned and i was not offered any services to avoid foreclosure because what i was offered was not offered correctly and this has resukted in my home possibly being lost due to this new servicer. Prior to the switching of loan servicers i was up to date on my payments and had no issues with my loan. Now im going to lose my home due to the new servicers errors.

Company response to consumer: Closed with explanation