vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : 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 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-14 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: OK

Complaint narrative:
I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Accounts Group, Inc.
State: MO

Complaint narrative:
Child Support has ALREADY reported the derogatory and inaccurate information to the credit bureaus. Child Support Enforcement is refusing to honor an administrative hearing court order, regarding child support. I had a child support administrative hearing a few months ago that ruled in my favor. I requested an administrative hearing to dispute the child support amount. It was a case where the mom ( custodial parent ) didnt inform Child Support Enforcement that during an 8-month period, that the child was living with the dad ( non-custodial parent ), full-time and she chose not to see the child for the first 5 months of that time. I requested the hearing because even though physical custody had changed, she continued to receive child support, because she didnt notify them of the change when it happened. Child support has ignored the ruling, and despite my many attempts, they are continuing to refuse to honor the specific order details, pertaining to the monthly child support amount ( Child support amount changed for a certain period because physical custody had changed for a period of time ).
I have faxed in requests for them to correct/adjust their records and to issue ME ( non-custodial parent ) the required $ 2,000+ overpayment, as awarded. Instead, they sent the mom ( custodial parent ) the $ $ credit ( overpayment ), that was due to me.
I have been calling and trying for months to get Child Support Enforcement to correct/update their records and make the proper adjustments, but they refuse. I personally went into a local office, more than once, and was given a payment history to show all the payments that had been received by Child Support Enforcement. I was also given a history of the required child support obligations. Their child support order history amount is incorrect because it doesnt represent the corrections of the child support amounts that were listed ( adjusted ) in the administrative hearing court order. Dates Complained : XX/XX/XXXX-Fax XX/XX/XXXX-Fax XX/XX/XXXX-Fax. XX/XX/XXXX-Office Visit XX/XX/XXXX- Office Visit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.

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 2017-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company 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 2017-08-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This reason I am filing this complaint is to request an investigation into XXXX XXXX XXXX mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that XXXX XXXX XXXX correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.

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 2017-08-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I wrote Equifax, XXXX and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INQUIRES NOT AUTHRIZED XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/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 2017-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house

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 2017-08-14 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: AR

Complaint narrative:
We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
There are many transactions that I have disputed with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN, USAA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX in NJ. prior to marriage and during marriage XXXX XXXX XXXX ( XXXX, XXXX ) ( previous last, XXXX ) was transferring monies without my knowledge and consent. The 3 transactions that are obvious fraudulent due to my name only being on the account at XXXX XXXX XXXX XXXX and were transferred to an account with USAA where my name is not on the account are listed below. XXXX {$2800.00} from XXXX XXXX to USAA prior to marriage XXXX {$5000.00} from XXXX XXXX to USAA 1 month after marriage XXXX {$500.00} from XXXX XXXX to USAA Once there are many other transactions that have occurred without my knowledge or consent but I am starting with these.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: DE

Complaint narrative:
state farm bank XXXX account XXXX {$5000.00} was result of fraud and disputed

Company response to consumer: Closed with explanation