vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is the financial institution that handles the student loan. I have paid on student loans since XX/XX/XXXX. Most of money goes to interest, fees, late charges, and other charges that I can not account for. The loan was variable a variable interest rate. I was cosigner. I have removed my son from the loan and refinanced the note in XX/XX/XXXX. The balance was XXXX with a fixed rate of 7.24 %. My monthly payments are XXXX. I have always said with XXXX and Wells Fargo, this is predatory lending at its best. Thousands of dollars have been paid towards the loans. After 5 payments totaling XXXX, the balance has gone down {$400.00}. This is not counting the interest and fees added on since XX/XX/XXXX, so I have made no progress at all. It is never ending. I have informed Wells Fargo that even though I have -0- ZERO late marks on my credit report, I am ready to default on this loan as they have drained me dry. I am XXXX years old and can not continue to give these crooks another dime. They are awful, just like XXXX. Why can't the government step in and stop this practice. I have credit cards with higher interest rates and I can always see a reduced balance when I make payments. When I pay my auto loan, which is a fixed rate, I see the balance go down. Same as my mortgage. Why is it different with student loans. You never see any progress.

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 2019-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been disputing information on my credit file and noticed Bank of America was reporting 2 old  accounts. I asked for BOA to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

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 2019-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal on XX/XX/XXXX Took XXXX from my checking account for a credit card that they had claimed a loss on in XX/XX/XXXX and are telling me that it's part of their practice and i have to go to the bank to get a copy of the signed agreement for the credit card. I called them and they were not helpful and kept talking about the credit card that was in collections and how i signed a document stating that they can just take the money out of my account without my approval or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: UT

Complaint narrative:
Capital One has two similar credit cards. The Capital One Venture Card and the Capital One VentureOne card. There are a few differences including number of points awarded and the Venture Card has an annual fee. I have the Capital One VentureOne card. On Capital One 's website I saw an advertisement that they would waive the Global Entry or TSA fee if using their card to pay for the application fee. It was a recent offering, XX/XX/2018 and I've had the card a few years prior. I called and confirmed I would be eligible, so I signed up, it was {$100.00} application fee. They stated it would take 1-2 billing cycles to be reimbursed. After a month I called again, confirmed it would be reimbursed and to wait another month. After month 2 it still wasn't reimbursed I called again and was informed this was only eligible for the Venture Card, not the VentureOne card I had. I feel this is deceptive to have two cards with very similar names but different features and I was told it would be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
The purpose of this correspondence is to obtain your assistance with an alleged debt that XXXX XXXX XXXX is currently reporting on my TransUnion credit report. After discovering this debt, I disputed this with TransUnion. I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by TransUnion credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion is required by federal law to verify- through the physical verification  of the original signed consumer contract of any and all accounts posted on my credit report. Transunion sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which TransUnion is complying with federal law to verify this alleged debt. 

TransUnions failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to XXXX XXXX XXXX on XX/XX/XXXX Returned certified letter to XXXX XXXX XXXX SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel XXXX XXXX XXXX to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

Sincerely, 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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The information showing below is falsely reporting on my credit.

1 ) XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX  Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # 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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NE

Complaint narrative:
Contentatal Finance in charge of XXXX credit cards robot called me 28 times within two days. I attempted to contact their customer service number to let them know this was not alright. When I called their customer service number I received the recorded message during business hours that no one was able to take my phone call and then the call disconnected. I finally called the bank who issued the card, XXXX BXXXX in XXXX XXXX XXXX Utah. They said they would send an email to Contental Finance to have them call me. I expressed to XXXX XXXX how much I did not like their parents practices. No company should be allowed to harass someone like this.

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 2019-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX   and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX  and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
I was reviewing my credit report on XXXX XXXX, and I noticed that my interest rate on my active auto loan was not reflecting my new rate of 6.8 % that I had as of last year. The loan still listed the interest rate at 12 %. Via XXXX XXXX, I submitting a dispute with Transunion on XX/XX/XXXX and Transunion completed the request on XX/XX/XXXX. My credit report went down because Transunion removed the auto loan completely. 

I reached out to TransUnion and was told that there was nothing that they could do to add the account back unless the creditor, XXXX, contacted them with the correct information. Apparently the removal was in response to what my credit union reported back to them. I was told by XXXX  XXXX XXXX XXXX ( XXXX  ) that they do not reach out to TransUnion unless they are responding to a dispute. " We only report to one bureau ''. It was stated that as long as XXXX has the correct information that I shouldn't care. I'm basically being told by both parties that they can not assist me in adding my active account back to 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 2019-03-26 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: FL

Complaint narrative:
I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old  accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

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 2019-03-26 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:
I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
I have been disputing information on my credit file and noticed Bank XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/XXXX, at approx. XXXX I was contacted by someone naming themselves XXXX XXXX XXXX XXXX XXXX  XXXX in California XXXX 

XXXX claimed she was attempting to collect on a debt from a previous account I had in XXXX. She'd stated that the " Statue of limitations '' had expired on the debt that I owed and that because of it they were filing some sort of Federal claim to force me to pay in excess of {$4000.00} by taking my bank accounts and attacking my credit. 

I asked her to show me some sort of verification of debt and she declined. I was already starting to worry as I recently started a small business and was very concerned that my company was in jeopardy. She declined to show me any verification, stating that " we sent you a letter last month, that's all the verification you need. '' After several minutes of threatening my accounts and that " the court is seeking interest on the amount '' I gave her my card details to pay the original balance of {$1100.00}. The paperwork she sent me did not have any contact information for herself as she said it would, the papers in fact listed three separate names. 

After the transaction, I attempted to look up the company 's business license, the lawyer 's listing from the California Bar, and even tried to look up their website. To my knowledge, XXXX XXXX   XXXX is not a real company. Upon further investigation, my payment actually moved through an entity named XXXX XXXX. I have included both the " supporting documents '' that XXXX sent ( which was not a proof of debt like she assured me it would be ). 

After looking into my debts, ( I have been working tirelessly for two years to clear out my credit report ) I realized the debt they were attempting to collect had simply expired due to the statute of limitations ( this is a debt over ten years old ). So, XXXX XXXX XXXX represented by XXXX XXXX, illegally attempted to collect an expired debt, did so without providing any proof of debt, and when asked, threatened me with actions that are also illegal. 

I contacted my bank account roughly thirty minutes after I gave them my card details, and disputed the transaction. I'm in the process of recovering my funds now.

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 2019-03-26 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: KY

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I XXXX XXXX submitted a full modification package to a mortgage servicing company known as XXXX XXXX. There was a complete modification package submitted in XX/XX/XXXX and another one submitted in XX/XX/XXXX whereas the file took nearly one year in underwriting review and was rejected because there was a lien on my title from the divorce attorney that handled my divorce. I then re-submitted a new modification package with a copy of the lien release. All of my financial conditions were met to qualify for a home modification. As my loan was in final underwriting review, XXXX XXXX sold the servicing rights to my mortgage to Mr. Cooper, formerly Nationstar Mortgage. I now have to send in a full modification package for the third time. Fortunately, I have all of my documentation together and I can expedite a full modification package once I receive a clean mortgage assistance application. I have made this request on several occasions within the past 30-days, even with the bank 's attorneys as my mortgage was thrown into a foreclosure process during my divorce. My case was badly handled by XXXX XXXX and now I'm seeing the same lines of communication going in the same direction with Mr. Cooper. I am more than qualified to handle the completed modification payment arrangements. I will file a formal complaint with the Federal Deposit Insurance Corporation on this abusive collection practice that could easily be resolved with the right professionals at Mr. Cooper. I am in dire need of assistance from the Consumer Financial Protection Bureau to expedite my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. I demand that my modification assistance application be emailed to me immediately so that I can process and forward a full modification package for underwriting review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

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 2019-03-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

Company response to consumer: Closed with explanation