vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and 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 monetary relief
Consumer complaint received 2018-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I made a payment at the store in XXXX California of XXXX, on the XXXX, then on XX/XX/XXXX I received an email stating I owed XXXX, I then called customer service, then said they were sorry for the mistake, after I said I made my XXXX dollar payment that I always make even though my payment was only XXXX, then in XXXX I went on line to pay my bill to verify, and it still said XXXX, I then called again, and they said not to worry it's an error the additional charges were removed, so I paid them the normal XXXX, now in XXXX they say I owe XXXX because of late fees and because my payment changed to XXXX in XXXX which I was never told about, even when I made my XXXX dollar payment in the store, I was not told again that my payment had changed neither on the web or at the store or by mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
We have a loan managed by XXXX. We took out the loan when our youngest daughter was in college. She graduated in 2009. Our payment due date is the XX/XX/XXXX of the month. Today when I logged on to schedule the payment for the XX/XX/XXXX, the site reported that the account was delinquent on XX/XX/XXXX. Really? One day past due? 

Here is the letter I sent this morning : " I have repeatedly asked that you change my due date to the XX/XX/XXXX of each month as that is the day I get paid, and sometimes ( on a month in which I have three mortgage payments due ) I can not pay you until the XX/XX/XXXX. My account becomes overdue or delinquent one day past the due date? is that even legal? 

Please change my due date for my loan payment from the XX/XX/XXXX of the month to the XX/XX/XXXX. '' I can not seem to get any satisfaction from this company, even for the small change I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: CA

Complaint narrative:
I submitted an initial fraud alert request to Experian today, XXXX XXXX, 2018 at https : //www.experian.com/XXXX. After I submitted the request a pop up message appeared that the request is successful and the other credit bureaus will be notified of the fraud alert on my account. I tried to print the pop up message but it printed a blank page. I am expecting Experian and the other credit bureaus ( XXXX and XXXX ) to send me an email confirmation of the successful request. 

In addition, I tried to follow the Learn how it works link of this page of the consumer finance website by opening a new tab and the new tab about : about shows a blank page I am wondering why there are no information on this " Learn how it works '' feature of your website. 

In addition, your website ( consumerfinance.gov ) asked for email address. I provided my email address on the space but the page of your website did not provide a confirmation of the email address. Consumerfinance.gov should provide confirmation of email addresses and mask information like social security numbers.

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 2018-01-20 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: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX  Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high 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 explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Vehicle loan or lease — Loan
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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I had a car loan through XXXX XXXX XXXX which was acquired by Huntington National Bank, based out of XXXX, Ohio. I paid my SUV off on time on XX/XX/XXXX with no late payments for the life of the loan ( began in XX/XX/XXXX ). 

They still have not sent me my title and I have contacted them over 5 times about this issue. They keep saying it will be sent but when I call to ask if it 's on its way it 's always still " in process ''. 

I finally asked for a tracking number in XX/XX/XXXX for the title so I would know if it was on its way and they created a fake one that says " label created but not in the system ''. It 's XX/XX/XXXX now and still nothing. The loan ended almost 12 months ago and I would like to sell the vehicle but I need my title! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my Capital One Credit Card information had been deleted from my XXXX Credit Report. 
Both XXXX and XXXX continue to reflect the Capital One Credit Card Account which has perfect payment history. Please dont confuse the credit card with my Capital One Car Loan. 

I have been treated like a ping-pong ball between Capital One and XXXX for more than 5 months. They both blame the other for the error. I have been told month after month by Capital One the account will be restored to my XXXX file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my Capital One CC history be restored to my XXXX report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.

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 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One Financial Corporation employees hanging-up telephone, rudness, and unprofessional behavior when seeking help for my issues. Sent fax to your office, fax # XXXX, case XXXX on X/XX/18. Need Capital One to remove issues from my credit report immediately and compensation for my services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am trying to access my account through a third party app on my mobile device, however TD Bank will not allow access. I have called TD Bank 's customer service twice and spoke with a customer service representative and a specialist in Technology Support, both of whom who were unable to assist me in linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I make my minimum payment each month around the XX/XX/XXXX. Then I make a follow up payment to pay down the principle. 

My extra principle payments have not been going to principle, they are still taking a percentage out to go towards interest. I do n't believe this practice is legal. I understand if I pay the interest on my first/minimum payment, but all subsequent payments should be going towards principle and they are not. 

The attached picture highlights the additional payments towards principle and the interest that was taken out of those principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent Equifax numerous disputes about this incorrect public record on my report i have ask them to provide me with verified information that this account belongs to me. And they have not provided me with any information nothing at all. Just a letter stating they verified. But no documentation proving that that particular account belongs to me. I have contacted the court in question and they stated they did not provide Equifax with any information. I sent that along with my dispute and they did nothing no reply.Therefor they must delete this wrong and incorrect public record account off my credit report. It is against the law to report inaccurate information on someone credit file and i demand they fix it and remove it from my report. I have included the same documents the court sent me as proof in my complaint. I also included identification with copies of both my Drivers Licenses to provide verification I am truly this person and would like swift fashion in removal of inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I have an account with coinbase, I have not had any issues until ~3 weeks ago when I was required to verify my account in order to sell a little Eth. I received a " Address did not match '' error. I have tried everything every day since ( 10 tries per 24hrs ), I even changed the address at my bank to make sure that it matches the one on coinbase. This is after I log in with 2 forms of security. I have e-mailed them, I have called them, the guy sent me an e-mail and the said that if that did not work to reply to the message and it go straight to him ( big lie ). 
It is my opinion that coinbase is a very shady exchange, they need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TX

Complaint narrative:
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my XXXX XXXX Credit Card information had been deleted from my TransUnion Credit Report. 
Both XXXX and XXXX continue to reflect the XXXX XXXX Credit Card Account which has perfect payment history. Please dont confuse the credit card with my XXXX XXXX Car Loan. 

I have been treated like a ping-pong ball between XXXX XXXX and TransUnion for more than 5 months. They both blame the other for the error. I have been told month after month by XXXX XXXX the account will be restored to my TransUnion file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my XXXX XXXX CC history be restored to my TransUnion report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: OH

Complaint narrative:
I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.

Company response to consumer: Closed with non-monetary relief