vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: CO

Complaint narrative:
XX/XX/XXXX made pmt for {$250.00} using my mobile app that I use every month XX/XX/XXXX made a payment for {$270.00} using mobile app as well. The payment for XX/XX/XXXX was never applied to my account just the payment XX/XX/XXXX was applied correctly. Called Capt one and they issued a temporary credit while they investigated. I get a letter stating they need proof from bank of transactions. To which I fax my bank statement received directly from my bank. ( the printed out and showed both payments dates amounts and to whom they were paid/capital one ). I call to confirm received as well as have a fax submission with their info that shows successfully faxed XX/XX/2019. Then I get another letter stating they are removing temporary credit because they didnt receive said requested info. I call capt one again and speak with emp # XXXX XXXX ( not very nicely per my frustration of having to fix their error ). He continues to offer no assistance on what else I can provide as proof and states what they received is not valid and they are closing the dispute. I have had my Cabelas card for more than 8 years and never had one issue until her recently when capital one took over as card services for Cabelas club cards. I want resolve and Capital one just wants to steal peoples money and not fix issues they caused, even after proof received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: SC

Complaint narrative:
I have now tried on multiple occasions to reach out to NAVIENT and work with them in regards to this issue, and have had no success. First things first, I had loans through them apparently from when I was attending school. I wasn't aware of this, and every other loan I had taken out made it a point to contact me and have been receiving their money since day of contact. NAVIENT on the other hand informed me that I was enrolled for " paperless '' and that they only ever tried to contact me through an email address I no longer had access to for the past few years. After this information was given to me, I submitted a report and got the information back that they had apparently tried to call my mother and I 's cell phones as well, and left us many messages. When I called about the account because I saw the defaults on my credit report, they told me they only ever tried to email me, and never mentioned anything about call attempts. That whole conversation was recorded via their system, and now I am being told that they tried to call/left voicemails also? They had the right home address, and phone numbers for my mother and I, so had this been the case we would've went and paid the payment on it immediately. If possible, I would like the dates/times NAVIENT had tried to reach out to me, because her and I both have absolutely no records from this. Sallie Mae on the other hand left us a voicemail and was paid that same week. Since this report has happened on my credit report, I can't finance or pay for anything even though I make a good income, and have had outstanding credit until this point. As I stated before I even tried to backpay what was owed, and they let me know the forbearance should be taking this off within a week, and it is over a month later. On every attempt I make to contact them, I get more and more false information, and don't want to consult legal help but I will. The people that I talked to said to try and pursue this avenue before heading that direction, but at this point it seems like I have no choice but to go this path. I can not reiterate enough that I have made every effort to work this out through them, but at this point it is costing me a multitude of different purchases/experiences that I can no longer prolong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TX

Complaint narrative:
these accounts are not mine US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX DPT ED/XXXX  XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a private student loan with Wells Fargo. I lost my job, no longer receive unemployment income, and have filed for bankruptcy. After speaking to Wells Fargo, explaining my situation and asking for assistance no one at Wells Fargo was willing to assist in a way that would work. They told me that they would not give me a modification because I have no income and would not qualify, and even if I was granted a modification I would not be able to pay because I have no income. Additionally, they could not defer my payment because I only qualified for one deferment. It is impossible to get ahead when one is  stuck between a rock and a hard spot. I explained to them that we are a XXXX member family on one income. Wells Fargo 's servicing and collecting tactics border on bullying.

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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GU

Complaint narrative:
I have been battling USAA for 2 months regarding my account. My account was hacked into twice and the bank is refusing to do a proper investigation. Theyve stated that theres no way someone can gain access to your PIN number which I have discovered is incorrect. Theyve also stated that theyre unaware of multiple attempts into my account which is also false. They have refused to do anything and have actually held me liable for the account being hacked

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
BK XXXX XXXX XXXX has been DISCHARGED and continues to show twice in Experian- 1 as reporting negative and one DISCHARGED.

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 2019-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
I received a notice that a loan was being processed in my name. I did not reach out to this company or enter into any type of transaction or agreement with this company. This is mortgage fraud and deceptive practices by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I checked my credit report and saw a collection for an alleged debt from XXXX for {$300.00} with Trident Asset Management. I have never had an account with XXXX so I immediately disputed this erroneous debt. I have disputed it with all 3 credit bureaus and allegedly Trident verified this erroneous debt as being 100 % accurate which can not be possible. I then sent a direct dispute via certified mail to the address Trident provided on my credit report, which was eventually returned as non deliverable because they moved over 1 year ago and they have not alerted the credit bureaus, which is a violation of the FDCPA and the FCRA. Due to their negligence I have not only wasted my time ( 30 days ) awaiting results for something that was never done, and my money in the form of Certified Mail. Certified Mail ain't cheap I spent {$4.00} on that letter! These damages have not gone unnoticed by this consumer! I am planning on speaking with a consumer protection attorney on how to recoup my damages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from XXXX that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that Navient has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from Navient on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
The company is Financial Management Solutions. XX/XX/XXXX this debt was dismissed in the District of XXXX Superior Court. It was past my states statute of limitations to collect a debt. I provided this information to the collection agency several times, however the agency continues to hang up the phone on me and scream at me telling me this is still a valid debt that - since my dispute - has now been listed on my report as delinquent. I have provided court documents from the original creditor 's lawyer and the Superior Court showing dismissal in XX/XX/XXXX. I recently disputed this item again with XXXX and XXXX  ( it is not listed on my XXXX ) XX/XX/XXXX. The amount continues to increase and my status is still derogatory.

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 2019-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I contacted MEI Finance on XX/XX/19 at XXXX XXXX  asking to extend my arrangement until XX/XX/19. I spoke with a Supervisor XXXX, I believe, or I may be misspelling her name. However, she was very rude and started speaking to me in a tone as to if I was being dishonest. I am scheduled to have a medical procedure on Tuesday and had to pay out of pocket my portion since I have not met my medical deductible. She asked me to send her copies of my receipt from my Dr showing her what my out of pocket expenses was in order for her to extend my payment. I felt violated for there are hippa laws and my information from the Dr has very personal information disclosed about my medical history. She also asked me copies of my check stubs to show where I have been off of work due to illness, which I have no problem with that. I just don't like the fact that I am being treated as if I am being dishonest. I really do not appreciate this type of behavior in behind an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I received a direct debit bill for {$300.00} on XX/XX/2019 for payment due XX/XX/2019. My online account currently appears to show that direct debit will occur for that amount. On XX/XX/2019, I received an email indicating that only {$5.00} would be extracted from my account. Upon calling Fedloan on XX/XX/2019 at approx. XXXX EDT, I spoke with XXXX ( employee ID XXXX ) and she was unable to confirm that such an email was sent. I am concerned that the improper amount will be debited to ensure that XXXX will count towards PSLF and meet my loan repayment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inquiries from 2017 are still showing on my credit report.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX sent {$12.00} to collection under my name and informations. I was not aware of this debt until XX/XX/XXXX when i pulled my credit report and it showed up under " Collections '' and caused negative marks on my credit report. By this time the debt was sent to Trident Asset Management for Collections and now it's in collection for {$62.00}. 

I made an attempt to contact XXXX to find the source of the debt, but they said they don't keep any records ...????? I contact the original collection company ( XXXX ) and they have the debt information, but no associated transaction # from XXXX to reference it by. 

I then called Trident Assest Management and they said i need to call to XXXX. 

I have a current account with XXXX since XXXX and it's paid upto date and do not have any other account with them. 

I am writing to see if you can investigate this matter into lack of basic accounting and accountability to send debt off to collection without notifying the customers. Furthermore, the lack of no original transaction # to reference the debt is not right. 

Shouldn't customers know what debt is owed by email mail or phone calls? instead of just sending it to collection and letting the customer in the dark until their credit report is pulled? 

Trident Assest Management acccount # XXXX XXXX claim # XXXX XXXX account # unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
I was not aware of this collection which I recently noticed on my credit report. 
I was never contacted regarding this collection by Quality asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. QUALITY ASSET RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX $ XXXX/ {$440.00} - XXXX XXXX XXXX, XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2019-06-21 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: Upstart Holdings, Inc.
State: MA

Complaint narrative:
I began the process to refinance my personal residence, and ran a credit report to review my activity. I noticed that there was an unsecured loan that appeared on my credit report that I had not opened, as well as numerous credit inquiries from companies that I did not contact. I reached out to the company that was holding the loan ( Upstart Network Inc. ) to report the fraudulent activity, and they sent me information detailing instructions on disputing the loan. Upon looking at the loan documents, my signature had been forged on the Approval Disclosure ; also, there was only in ID number in place of the signature on the Promissory Note. Also, I reached out to a credit resolution agency, who reached out to the credit bureaus on my behalf to inform them of the fraudulent activity. I do not know who opened this account or how my personal information was compromised.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I AM A SENIOR CITIZEN THAT HAS BEEN SCAMMED BY SEVERAL COMPANIES FROM XXXX TO XXXX. I HAVE PAID OVER {$17000.00} TO THESE TIME SHARE COMPANIES AND THEY HAVE DID NOTHING AT ALL. THEY WERE ALL MISLEADING AND I HAVE TRIED TO GET A REFUND FROM THEM AND MY CREDIT CARD. I HAVE BEEN UNSUCCEFUL. I HAVE ALL THE INFORMATION ON EVERY COMPANY THAT I HAVE PAID.

Company response to consumer: Closed with explanation