vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
Seveal years ago filed for Bankruptcy. Local bank in town pulled my credit when I applied for a consumer loan. It showed the bankruptcy which has been more than 7 years, I believe we filed in 2010? Why has it not been 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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I was in the hospital for the end of XXXX and XXXX and unable to put money into my account. Ive been trying to make payments using a different bank account but it keeps attempting to take it out of my other account. It is now negatively reporting on my credit because this issue hasnt been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was never 30days late on this account SYNCB/MC I have made a payment on time I don't know why they report this. Account # XXXX below is the Creditors info. 

Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2019-09-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a XXXX email from capital one, alleging unusual active on my accou8nt ending in XXXX. This amounts to harrassment, as I have 5 accounts with capital one ... .they allege suspicious activity, and I emailed them to knock it off or I will take all my money and cancel the accounts iu have with them ... ..to the tune of over 50K ... .I did this with XXXX and XXXX of XXXX for XXXX like this ... .I will file a complaint every time, a bank does me wrong ... knock this XXXX off! 

They have wrongfully suspended my account and I will file a claim in or XXXX XXXX superior court for tortious behavior if they stop any payment or activity on my checking account forthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems.

1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances. 

2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account. 

3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit. 

Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My Capital One card I opened is a XXXX XXXX card, which promises 3 % back at Entertainment venues such as theme and amusement parks, bowling allies, movie theaters, etc. I specifically opened this card with the premise of going to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, in XXXX Florida. There all are attractions that should fit the perpetrators of the card to receive 3 % cash back. 

When I returned I found that {$300.00} in charges were incorrectly given 1 % cash back. 

I called and filed an escalation to get the reward points I rightfully earned. The meat of my concern comes in when today XX/XX/XXXX when I received a phone call from Capital One indicating we were on a recorded line. The representative was named XXXX his rep ID was XXXX at XXXX central time. He called to inform the of 2 things. 

First, they would not be able to instate the rewards I had earned as they felt 1 % was correct. Secondly, he indicated that he would issue me a {$6.00} statement credit. I asked for a confirmation number, email, letter, or something to assure me that promised credit was valid. He informed me that he could not do anything but give me his word that he would issue a {$6.00} credit. I asked him if I could record the phone call. He came back and stated that company policy prohibits recording of the phone call. I acknowledged this and asked him for his rep name and ID as stated above. He assured me that they typically do not honor requests of credits and that this was a one time courtesy. He said that the credit would appear on my account in 1-2 business days. 

I called back later this same day to make sure the memos were on the account as the recorded phone call went down, and the next supervisor was unable to corroborate what went down. I was livid. This was the entire reason I asked for proof. I felt something was off and that although on the recorded line he promised me a {$6.00} account credit, I felt he wasn't going to honor it. 

I asked the manager, XXXX rep ID XXXX, to pull the recorded phone call. She said that she could not pull the phone call and he could not honor the credits he had promised. Capital One refused to honor the credits agreed upon on a recorded line. Capital One refused to pull that call to verify the facts. The benefit of a recording is you don't have to believe either side, you have the recording of the facts. 

I want Capital One to pull the outbound phone call to me by XXXX. Here not only where he said they would not give me the rewards balance, but here where he said they would be issuing me a credit of {$6.00}. Here where he said it would be posted to my account. Here where I asked for any form of confirmation that it would be posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have closed All accounts with XXXX They informed me everything was paid in full. I have no open balance I do not understand where this charge is coming from. It is showing as a collection due on my account and this is false

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 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone stole my identity and opened this account i only have one account and thats my debit card i never had any credit cards this account isnt mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2019, I applied for insurance through XXXX XXXX. I was told by the rep that Lexus Nexus had reported incorrect information pertaining to insurance with XXXX as they report I just started with the company but, I have over 6 years of service with the company. I have good credit, never had any accidents in my life ( at fault ), never had a traffic ticket, and, on my way in two months of finish the XXXX XXXX. I am a victim of fraud as listed on my credit report and I never knew Lexus Nexus was a credit reporting agency until that date with XXXX XXXX ( getting a quote ). This is not fair an this company is responsible for updating their information. This company is costing me thousands of dollars with their false and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I electronically lifted my security freeze through Experian for one day. Then, on XX/XX/XXXX, I repeated the process, and answered my security questions correctly but was denied access and was locked out. The next day, I was locked out of my third party monitoring XXXX ( for unknown reasons ) but was able to answer my security questions successfully. They were similar if not the same as the ones from Experian. When I called Experian to inquire why they denied my CORRECT answers, they reported not being sure why. I asked them to investigate the matter, and they said that they couldnt since they had no way of retrieving my security questions and answers. I had to provide my PIN number instead. However, I should have never been locked out to begin with when I provided correct answers. I am concerned they will might abuse their privileges in the future. I regard this as harassment and manipulation. I also tried registering for an account with Experian and they declared they couldnt verify my identity, when other credit bureaus and third parry entities have been able to successfully. Then when I repeated the process, the next error message indicated that the system was down and couldnt complete my order.

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 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I opened a credit card account with XXXX XXXX and they sold it to another company by the name of Portfolio Recover Associates, LLC. Portfolio Recover Associates never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/, 2019 I tried to resolve it with XXXX XXXX and Portfolio Recover Associates and was told, by XXXX XXXX of Portfolio Associates, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
For the last 3 years I've had problems with repaying my consolidated loans. Initially my monthly repayment amount was {$270.00}. It was being paid automatically for about a year when an auto draft of a little over {$1200.00} was taken. After informing my bank that it was taken without permission, the money was given back ( by my bank & eventually refunded by Navient ). After everything was settled, I was set up on another payment plan and this time I planned to contact them after 11 months to avoid the previous year 's issue. This time the {$1200.00} was taken after 10 months. I took the same actions to get my money back. I finally removed my bank info and opted for manual monthly payments. However, this year, I've been trying to get back on a payment plan FOR A YEAR. Customer service says that they have been sending emails but I haven't gotten anything EXCEPT info telling me that a payment is due. I tried to reply to that email, but it's an auto mailer so there's no response. And seemingly the necessary forms I need are not able to be mailed. I just tried calling and kept being put back in the call queue with no response from an agent. Meanwhile interest is building in my account and the only thing I'm able to do is continue to make deferments while I wait on the forms 'they 're sending to me '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************

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 2019-09-25 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: NC

Complaint narrative:
I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************

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 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: CA

Complaint narrative:
ON XXXX/12019 Caravans Post Operations Department attempted to perform unlawful practices by deducting my down payment prior to delivering the XXXX XXXX XXXX XXXX  by claiming they did not receive the down payment. XXXX XXXX informed me I was current on XX/XX//2019 and to continue to deal with them and disregard the threats because my down payment was paid and I was current on payments. XXXX from Post Operations Department was the contact at XXXX customeradvocate @ carvana

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
spoke with select portfolio services rep XXXX on XX/XX/XXXX who put me on a payment plan and told me I would not be reported late to my credit. if I had known I would be reported late I would have made a payment immediately. I asked select portfolio to investigate spoke with supervisor XXXX and they have refused to remove the late payment from my credit. I am left with no choice but to seek address from cfpb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In response to a previous complaint chase is claiming they have no proof of insurance on a property they service the loan for. That is a lie. I received a letter from XXXX XXXX on XX/XX/XXXX requesting I provide proof of insurance by XX/XX/XXXX ( yes, the next day ) but she did not include in the letter a fax number or email to provide that information. 

On XX/XX/XXXX I faxed a copy of my insurance policy to the insurance department listed on the back of my statement and I also emailed a copy to Chase. I am including a copy of that proof to this complaint to prove the property has been insured during the time frame indicated in Ms. XXXX letter. 

I also contacted XXXX, the previous company handling my loan and they denied the claim that they did not have proof on insurance on my property. They pointed out that if they did not have proof of insurance they would not have established an escrow account as Chase has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
Mailed in a lengthy thorough dispute that went ignored by Experian, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft.

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