vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank is having issues posting direct deposits to consumer checking accounts today Friday XX/XX/2019. This creates a massive inconvenience to the population that lives paycheck to paycheck depending on the immediate access to their hard earned payroll or social security direct deposits. In Capital Ones Account Disclosures, they state that electronic direct deposits will be available same business day. Unfortunately, as of XXXX est this has yet to occur. If the funds are not available same business day, Capital One should be held liable for any issues its customers incurred due to the breaking of their own Account Disclosures. The thing that is most troubling is the lack of communication between the bank and its clients that have instilled their trust of their money into this financial institution. As of XXXX est there has only been a vague automated message on their customer service line and a XXXX  post stating about pending issues, with no set time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XXXX I paid {$26000.00} to pay off my XXXX  XXXX XXXX XXXX a month early before the lease expired. US Bank cashed the check immediately and closed the lease o XXXX per US Bank. I have made numerous phone calls to get the title to this vehicle and the release of the lien and have gotten nothing but the runaround. It is now THREE months later and no title or paperwork for release of lien. I call US Bank weekly but get a runaround and excuse after excuse. Every time you call there you speak to a different person and a different runaround. It's either in the mail or it's being overnighted to me. As of today NO title or paperwork. My last phone call was yesterday, XXXX, at which time I again was told I would get it next week!! I told " XXXX '' I wanted my money back and they could come get their XXXX. I was told that I could not get my money back! My sister gave me the money to pay off this vehicle as she is buying it and is beyond upset!! This vehicle is sitting in my driveway now three months later and she feels she has been ripped off. I want the money back WITH INTEREST and US Bank can come get the XXXX!!! I am tired of this nightmare!!! Never have I been through such an ordeal with a bank!!!!! NEVER will I ever deal with this bank again through a dealership!!!! Please HELP!!

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 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Physicians & Dentists Credit Bureau
State: CA

Complaint narrative:
CalXXXX XXXX XXXX Get so insurance company to have my policy cancel 2 months ago, Because I found some better insurance they are still billing me stating that I asked old the of money which I cancel my contract 2 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
Today I spoke with Professional Account Management , LLC to verify the debt that they are trying to collect. 

The debt collector is refusing to verify the debt which is related to identify theft. 

The debt collector is also refusing to take my dispute regarding the debt in question. 

And has harass me and threats to damage my life with phone call, emails, and letter and will not verify that debt. 

The collection agency is only seeking payment of the debt with no verification of the individual and purpose of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX  or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: UT

Complaint narrative:
I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. 

I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need.

This process has now entered is 3rd year since my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-01 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-01 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: FL

Complaint narrative:
I feel Navient misled me about the public service loan in XX/XX/XXXX. Navient led me to believe that I was on my way to being qualified for a public service loan due to making nearly 10 years of student loan payments on time. I completed all the paperwork including having former employers to sign off on my service and submitted everything only to be told after the fact that because I had not combined my two Stafford Subsidized loans I would not qualify, although both loans are servi

ced by Navient. I have since thrown away all the PSFL
paperwork believing I did not want to risk changing anything to my federally subsidized loan and that I would be able to pay off the loan before XX/XX/XXXX.

Thanks for hearing my frustration. It is sad that financial institutions are allowed to take advantage of students in the way I and others -- I'm now learning, have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I received a call from Freedom Mortgage 's phone number XXXX on XXXX XXXX from a man who said his name was XXXX XXXX and he was a loan counselor that was assigned to our case to help us modify our loan. He stated that we needed to pay our negative escrow balance before we could start the modification process. He said I needed to go to a XXXX to pay the negative balance. This seemed fishy to me, so I called Freedom Mortgage on XXXX ( the day I was supposed to make the payment ) and spoke with a representative of Freedom Mortgage to ask them if this was legit. I was told by a representative at Freedom Mortgage that this was legit and that " if they were calling us from their phone number it was them. '' This call was on a recorded line. The Freedom Mortgage rep also told us we were negative in our escrow. So, I made the payment after speaking to the rep at Freedom Mortgage. I would have never made that payment had he told me it was not legit. The payment was made through XXXX XXXX on XXXX XXXX in the amount of {$1100.00} plus a {$16.00} charge from XXXX. This XXXX XXXX guy said then we needed to set up three trial payments. In the amount of {$1300.00}. He wanted to go through the XXXX way but asked me to do it in a way that was different than before. So, I got suspicious again and called Freedom Mortgage on XXXX XXXX to see if that first amount had posted. The first woman I spoke to said she had no record of that or that we were in a modification. So, I eventually got to a supervisor at Freedom Mortgage who informed me it was a scam and they were " ghosting '' the Freedom Mortgage number. I told him I was suspicious from the start but that the actual rep at Freedom Mortgage had assured me it was legit. I would have never made that payment had he not assured me because I was already suspicious of what was happening. Again, they have record of that phone call. AND, the scammers were calling me from Freedom Mortgage 's phone number. Now we are out {$1100.00} that should have gone to paying our mortgage and Freedom Mortgage has done nothing to try to make the situation right. There are no next steps. In fact, XXXX at Freedom Mortgage told me, " You got got ''. Those were his exact words. There has been zero effort on their part to take responsibility for their rep who assured me that was a legit phone call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX recorded a subordination agreement in XX/XX/XXXX referring to a mortgage dated XX/XX/XXXX. There was no mortgage and this agreement needs to be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2019 a man from Kentucky accessed my online bank profile and account at Chase bank and removed the secondary joint holder and put a new, his name on the account and changed the address of the account then transferred {$60000.00} without either of the original primary or secondary account holders convent. Filed with Chase and made police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
This shouldn't have any balance since this is collection. 

Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MT

Complaint narrative:
I am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero.

My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Our VA loan was sold to another company. Since PHH Mortgage has taken over our loan they dont apply payments correctly, we have confirmed delivery of check before due date, the company refuses to accept any form of payment that isnt a money order, they hang up a lot, dont speak XXXX well, apply fees when they have payment, they say they returned the payment/check but dont have proof, they told us they were going to return fees {$83.00} do a credit exsponge to fix how they have made our credit drop 200! Points because they are reporting we never pay but we do. Please help we spent 6 hours on the phone and this company promised all these solutions then sent letters saying the opposite and Denied every having talked to us but we have phone records bank statements etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: VW Credit
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX is attempting a short sale with PHH. Over the past few months XXXX XXXX has been calling in to get a status on the short sale. The seller is deceased and the correct executor documents have been send to PHH and reviewed and accepted. The file was reviewed for a loan modification and denied XXXX. When XXXX XXXX called in XXXX, XXXX XXXX was told the short sale was initiated and the appraisal was ordered. XXXX, PHH said the short sale has not been initiated and the appraisal has not been ordered. The manager said he will initiate the short sale and order the appraisal. XXXX PHH said the file has not been reviewed for a loan modification yet and needs to be reviewed for a loan modification, the manager got on the phone and apologized as XXXX XXXX was given the wrong information again and the short sale will be opened for review and the appraisal will be ordered. XXXX. PHH said the short sale has not been initiated yet, but has been escalated and the appraisal will be ordered. XXXX PHH said the file has to be reviewed for a modification and can not be reviewed for a short sale until the file has been reviewed for a loan modification, the manager XXXX XXXX ID # XXXX said the file has not bee opened for a short sale and she will escalate the file to be opened for a short sale and for XXXX XXXX to call back in 2 days. XXXX PHH said they don't have the executor documents and can not move forward with the loan modification until they have the correct executor documents. The manager XXXX ID # XXXX said that he doesn't have the executor documents that were sent in XXXX and XXXX. He looked into the file and he does see that PHH has the executor documents. He said the file will be opened for a short sale and the appraisal will be ordered. XXXX XXXX has been told that multiple times over the past 4 weeks from multiple managers. Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One Bank has not deposited my Direct Deposits into my account. Apparently there is a technical issue, but I did not hear that from Capital One, I XXXX the issue. I have payments not going through due to insufficient funds. My Mortgage, my car payment, my loans, my credit card payments. This is a huge issue and Capital One was not helpful at all. Worst customer service EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is simple. 53.com deleted all my payment information from the website. So now I can't make a payment. They are trying to make me miss payment so they can charge more late fees.

Company response to consumer: Closed with explanation