vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
My current loan with XXXX is being managed by a debt management company, XXXX XXXX XXXX. The company has been making payments on this loan; however, XXXX is reporting my account as deliquent and past due, which is negatively affecting my credit score. I have tried contacting XXXX  by email since XX/XX/2018 and have not received one response to any of my emails. When I contacted them by phone, they would not speak to me or provide any information since they have it recorded the loan is being managed by XXXX. However, my XXXX  representative has been unable to get ahold of anything at XXXX either to get this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005  there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
someone else used my information to obtained credit.

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

Complaint narrative:
I am not sure what type of games that Transunion, and XXXX  is trying to play but I am over this cat and mouse game with these credit reporting agencies. The remarks on my credit report are inaccurate. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all have remarks that are inaccurate and should be removed immediately!

DISPUTE OF ACCOUNT INFORMATION for any or all accounts need to be removed. The accounts was not investigated nor was the information I requested provided. I did not ask for a verification I asked for validation with paperwork that I requested and never got. While disputing, By law there should not be any negative marks on my credit report per FCRA after the dispute is over there should be NO REMARKS THAT I THE CONSUMER DID NOT AUTHORIZE! THE ISSUES WAS NOT RESOLVED IN MY EYES I AM NOT SATISFIED AND I WILL CONTINUE TO FIGHT THESE CREDIT REPORTING AGENCIES. I WILL BE FORWARDING THIS TO MY ATTORNEY AND THE CEO 'S OF THESE CREDIT REPORTING AGENCIES! My XXXX  account and XXXX XXXX on XXXX XXXX   is showing NEEDS ATTENTION when it is in bankruptcy. That remark was not authorized and it looks as though it is still open. Not a good look for my credit after filing! My last name is not XXXX  that Transunion has on my credit report! I have not applied for these accounts that is in XXXX! I have not been XXXX since XX/XX/XXXX! I have sent ID AFFIDAVIT to all the credit reporting agencies I believe it was in XX/XX/XXXX. I have the paperwork somewhere at my home. There is addresses on my report that I NEVER lived at and the response I get from these bureaus is this credit card is linked to this address. If the card is opened under ID theft/fraud and I never lived there how in the heck can you say you investigated my request to investigate! Remove this garbage immediately! Credit applications should not be done online without being in person. this is ridiculous! I will send a copy to the CEO 's of these bureaus too!

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 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier.  However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. 

I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).

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 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc
State: DC

Complaint narrative:
I received a letter dated XX/XX/18 from Credit Adjustments , Inc regarding defaulted student loan. This was a defaulted student loan to someone with my same first and last ( maiden ) name and it has been following me since the late XXXX though I keep disputing it - I am not the person they seek and I have not defaulted on any student loans. Most recently in XX/XX/2018 I was contacted by the Dept. of Education regarding this loan and as requested I sent them a copy of my social security card and passport to dispute the loan but just a few weeks later I get this letter from Credit Adjustments. About five years ago I was contacted by a different debt collector regarding this loan and after submitting a complaint to the CFPB they stopped contacting me. Debt collectors need to do a better job verifying the people they harass are the actual people they seek.

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 2019-01-11 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: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
someone else used my information to obtained credit.

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 2019-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I cosigned an auto loan and the person lost her job.

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

Complaint narrative:
We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX  and XXXX  because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.

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 2019-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
THE CAR WAS TOTAL LOST AND THE COMPANY STILL WANTS ME TO PAY MONTHLY PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
From : XXXX XXXX Email : XXXX Cell : XXXX To : Capital One XXXX XXXX XXXX XXXX, VA XXXX Fax : XXXX RE : Amendment Claim # XXXX Trace Claim # XXXX Ref # XXXX Recall Case # XXXX XX/XX/XXXX Dear Sir/madam ; I sent out a wire in the amount of USD XXXX   from my Capital One account on the XXXX of XX/XX/XXXX. My branch is located at XXXX XXXX in XXXX, VA. A copy of the wire is attached. The next day, on the XXXX  of XX/XX/XXXX I  requested an amendment as the account number for the recipient XXXX XXXX XXXX XXXX XXXX, that had been entered was incorrect. The correct account number for them was XXXX.

I received a letter from Capital One dated the XXXX  of XXXX that all should be good with the wire referencing my Claim # XXXX. A copy is attached.

The recipient XXXX XXXX XXXX whose correct account number XXXX  with XXXX XXXX in XXXX, XXXX has still not received the funds till date the XX/XX/XXXX. They have also initiated a trace from their side and have not heard anything yet from Capital One.

I initiated a trace ( Trace # XXXX  ) on the XXXX  of XX/XX/XXXX and have not heard anything back from Capital One. Today is the XXXX  of XXXX  and I have initiated a Recall on the funds from the XXXX  branch with the Claims Intake Department. I spoke to a lady by the name of XXXX  and her supervisor XXXX ( EID : XXXX  ) who told me that the processor will call me.

It has been more than 30 days since I initiated the wire. I request you to please treat this with the highest priority, escalate the matter and advise me when the funds will be returned to my account.

Appreciate your prompt response.

Sincerely ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018, I closed my checking account with Capital One Bank. At the time I signed the papers to close the account I was told I had to close all auto pay accounts. I called the next day to close an autopay I had through this Capital One account for a XXXX Credit Card. They said it was too late, and that they were already processing the payment. I acknowledged, and I am prepared to pay for, the overdraft fee and amount of this original payment - even though I then paid XXXX directly over the phone through my new bank account ( with XXXX XXXX. ) However, a month later I went to charge a 4 payments for XXXX through XXXX XXXX, via XXXX, each roughly {$13.00}, {$17.00}, {$3.00} and {$3.00}. Although I had closed my Capital One bank account, Capital One did NOT mark the account as closed. A debt collection representative called me on the phone and said I owed over {$600.00} in overdraft fees as they re-opened the account when XXXX XXXX went to charge the account - instead of just reporting the account as closed. This was not an automatic, recurring payment. I had other payment methods available to XXXX  ; however, Capital One allowed XXXX   to charge the account multiple times resulting in multiple overdraft fees. I have tried to resolve this issue with Capital One and XXXX  ; XXXX  refunded their charges but is unable to assist with Capital One overdraft fees - fees that would have been avoided if the account would have remained closed from the XX/XX/XXXX date as I signed off on. I closed this account. No further charges should have been able to post to this closed account. I have paperwork I signed noting that the account was closed. I want Capital One to charge me only for the {$42.00} and the resulting overdraft fee from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/19 I called Capitol One and made 3 payments to catch the account up-to-date per emails and regular mail I received.

XX/XX/19 {$120.00} XX/XX/19 {$120.00} XX/XX/19 {$120.00} The woman that I spoke to at Capital One repeated all the information and the dates and they were correct.

That evening I went to dinner and was unable to use my debit card and I was sure that I had enough money.

The next day I checked my account on the phone and {$120.00} was taken out by Capital One as of XX/XX/2019, which I did not authorized. This caused my account to be overdrawn, an overdraft fee of {$37.00} applied to my account and to have no money left that I had allocated for groceries and gas.

I called Capitol One and they were able to put money back into my account. But to call my bank and it was up to them how long it took for the money to be returned to the account. My bank said the way Capital Bank took the payment out, they could not control how fast the money would be returned to the account.

Finally the last person I spoke with gave me the fax number of the corporate department, but I was not allowed to talk to anybody in that department. I did sent a fax on XX/XX/19.

The bank 's customer service is horrendous. I have been calling back and forth and have spoken to several people : 1 woman cut me off, 1 woman left me on hold for over 15 minutes, 1 senior manager was condescending and threatening.

I fail to see how it could take Capital One only a few hours to get the money out of my account unauthorized, but it would like a week or more to have the money returned to me. It should be directly returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage. 

I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions. 

I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.

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 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. 
Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 

1st CFPB Complaint number:XXXX-XXXX  2nd CFPB Complaint number : 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 explanation