vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
I reviewed my credit report and found a paid collection from Receivable Management Systems company in the amount of {$350.00}. According to my credit report, they were attempting to collect for XXXX XXXX. I do not ever recall going to XXXX XXXX for care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
In XXXX I asked how much in late fees I owed and on XX/XX/XXXX I got a letter saying I only had {$12.00} in late fees on my student loans. I wrote a check dated XX/XX/XXXX for the {$12.00} and I specifically stated I wanted the money to go for the late fee. I even wrote on the front of the statement that I wanted it to go towards the late fee. On XXXX, XXXX I looked at my account and they had charged me the late fee and didn't apply the {$12.00} towards the late fee as I asked. Furthermore, I emailed them to ask why they didn't apply it to the late fee and they ignored me. I have a duplicate of the check I wrote included in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: GA

Complaint narrative:
I have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2019-08-30 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 have hard inquires on my credit report that was not authorized by me. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX, I made a purchase at XXXX and had the order shipped to a store in XXXX XXXX. I was notified by the store that the entire order had not shipped. I asked the store to refund the order as I no longer wanted it if the entire order was not sent. However, the refund was no processed for several weeks even though I never received the merchandise. Finally, on XX/XX/30, the store refunded the total purchase amount. I called onXXXX and asked Comenity to refund any interest and late fees as I was unaware the local store had not refunded back in XXXX. I was given a 1 time late fee refund but was told they could not refund the interest charge even though it should never have been charged if the store would have processed XXXX return back in XXXX and before closing date of the credit card. I would like all interest fees refunded on my XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: LA

Complaint narrative:
Sent money via XXXX to XXXX to someone that I have sent to numerous times before. When the receiver went to the store, she was told that the money could not be received. As this has happened in the past when sending money to another individual, why is this bogus company allowing money to go through when thep receiver gets to the store, the money can not be received. When the sender those not have the receipt, they retain the fee that was paid for sending. Horrible customer service from their compliance department was well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
*XX/XX/XXXX, I went to use my Capital One credit card and was declined. Since I make regular payments and was well below my credit limit, I checked my Capital One credit card XXXX app. The app states my account has been " restricted ''. I called Capital One and was told the card may have been closed XX/XX/XXXX via automation. They ( " back office '' ) would research this and get back to me in 7-10 business days. No assurances that the account would be " un-restricted ''. Capitol One ( spoke to XXXX, XXXX, & XXXX ) said perhaps I would receive a call to un-restrict my account on Thursday XX/XX/XXXX. 

<br>*XX/XX/XXXX, A Monday, a business day, I called Capitol One ( spoke to XXXX, XXXX ) and was told maybe Thursday ( XX/XX/XXXX ) it will be re-activated by the " back office, '' but it usually takes 7-10 business days. 

<br>*XX/XX/XXXX, I called Capital One ( spoke to XXXX, XXXX ) was told that the customer service people that I spoke to on XX/XX/XXXX & XX/XX/XXXX were wrong, the complaint was sent to the " back office '' and that I needed to wait the full 7-10 business days. 

<br>*XX/XX/XXXX, I called ( spoke to XXXX ) because it has been 10 business days, I was told that all the other customer service people were wrong, she submitted a new form to the " back office '', and that I had to wait an additional 7-10 days because the other customer service people did not submit my form correctly. Then, XXXX said I may have to wait another 7-10 days for a new card. 

<br>This is not fair, I did not authorize the card ( or account ) to be closed, my bill is up-to-date, I do not wish to wait another 7-10 days for the back office to research why the card got automatically shut off, then wait another 7-10 days for a new card. I had a Capitol One GM Card account for years and want to continue my GM rewards points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Trans union has been putting out high risk letters to people I dont even know about my credit and these people paid trans union money to do that. I cant even get a personal loan or a government grant. They dont care. They lied too so many times. 
They dont bother to ask me anything they just do it without my consent.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: CO

Complaint narrative:
In or around XXXX of this year I got involved with Americore ... after some research and assurances that once my payments were made and the settlements with the 4 credit card companies were reached my credit report would read : " account closed/paid in full " and I specifically asked if it would say " settled ''? And XXXX XXXX assured me it would NOT read " settled '' well, over 6 months later and over XXXX payment made totaling over {$7800.00}, one of the credit card companies settled and on my report it reads " settled ''. I contacted Americore several times and spoke most recently with an " XXXX '' who for over an hour ran me in circles quoting the contract I did sign that says they can not control or promise what us on the credit report which they are saying in their advertising and pitching they can and will. They say have faith and when we receive all your money your report will read the lie we promised. I've asked for a letter stating this lie and of course was quoted my contract and told to have faith. In essence no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I open a new credit card with XXXX XXXX and attempted to transfer the balance of my USAA card to the XXXX XXXX card. It was taking weeks for USAA to receive the mailed check from XXXX XXXX. USAA rep told me he couldn't find the check anywhere and advised to have XXXX XXXX cancel or track down the check. XXXX XXXX canceled the check believing it was lost. A couple days after a no pay was put on the check USAA tried to cash it. I called USAA numerous times over the {$25.00} returned check fee and 3 times they told me to call back after statement had posted. Told me to call back today to get the fee waived and I was told there were notes concerning my previous calls about waiving the fee and the rep told me she tried to waive the fee but couldn't. Said the computer wouldn't allow it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized inquires are 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 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. 

A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. 

Thank you for contacting us today about a recent promotion. 

We apologize for any confusion, XXXX. 

We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com.

Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website.

As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: CA

Complaint narrative:
Unauthorized inquires are 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 explanation
Consumer complaint received 2019-08-30 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: CA

Complaint narrative:
Unauthorized inquires are showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I have requested the PMI be removed from my mortgage due to the fact that I have over 31 % equity in the property and have for well over 6 months. My written request for cancellation of the PMI along with proof that I now have equity far in excess of the requirements to drop PMI have been acknowledged yet denied by the loan servicer. 
Lakeview Loan Service is refusing to cancel the PMI from my loan.

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 2019-08-30 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: AR

Complaint narrative:
I recently filed a complaint with The Consumer Financial Protection Bureau : Complaint # :XXXX-XXXX, concerning 4 inaccurate accounts reporting on my TransUnion Credit Report. Within 2 days I heard back from TransUnion in regards to the investigation that they where to preform. TransUnion 's response as to the investigation was full of flaws. TransUnion reported that it would take 60 days for them to conduct an investigation. But, the FCRA requires them the conduct there initial investigations all within ( 30 ) days. TransUnion also concluded that whatever the results would be. If I disagreed or just didn't like what it would take them 60 days to come up with on the inaccurate account. I would have to contact each creditor myself to obtain results. This meant I would have to do the job TransUnion is paid to do. This is TransUnion 's way of scaring consumer. Discouraging consumers from using the Consumer Financial Bureaus and other agencies sites to dispute inaccurate on there credit report. And directing them to their flawed online dispute website here. www.transunion.com/XXXX. Where they have limited dispute reasons that don't give you your reason for dispute. As a result I'm consulting with a credit attorney in addition. I will be contacting my attorney general to obtain additional violations that pertains too this matter. I'm Outraged! I'm IRATE! I've included a copy of there response in the pdf below.

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 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing ( SPS ) plans to conduct a foreclosure sale of our property in violation of 1024.41 ( g ) On XX/XX/2019 SPS wrongfully denied us loan modification/loss mitigation application and XX/XX/2019 appeal, while committing RESPA numerous violations. These RESPA violations remain uncorrected as of the date of this complaint. We will report these RESPA violations to SPS in separate Notices of Error for ease of tracking and legal reasons. Our complete RMA application was accepted by SPS more than 37 days before a foreclosure sale. Our appeal was timely submitted to SPS within 30 days of SPS loss mitigation decision. 
12 CFR 1024.41 ( g ) states : If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX-XXXX  regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD after receiving a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute the amounts on our Loan Modification with  Chase, which was dated XX/XX/XXXX. Our original Mortgage, dated XX/XX/XXXX began with an original unpaid principal balance of {$86000.00}. The Loan Modification recites an unpaid principal balance of # XXXX and an additional {$29000.00} with a new unpaid principal balance of {$110000.00}. I have requested information from Chase Specifically, 1 ) What was the original unpaid principal balance when the Loan Modification was written.

2 ) How the new unpaid principal balance was calculated and or adjusted 3 ) How the additional adjustments were calculated and what they comprised of. 

I have requested copies of mortgage statements 3 years prior the the modification so that I can see the unpaid principal balance. Their response only consists of statements which I do not understand and work off of the current unpaid principal balance, NOT FROM THE ORIGINAL MORTGAGE. Our mortgage was 16 years old when this modification was written and the new unpaid principal balance incurred over an additional {$30000.00} in adjustments! 

I feel as though we were victimized by Chase and taken advantage of during our financial distress. This modification was written during a time when thousands of foreclosures were being penned through with unfair practices and fraudulently inflated expenses.

We feel as though the amounts on the Loan Modification are unjust and overly inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Bank offers overdraft protection. The line of credit account is listed along with the checking accounts. The full-service access online and the mobile app allow the transfer of funds between all accounts entrusted to Capital One. 

Over the last two payment cycles, the online ability to transfer money and pay off the line of credit has not been functioning. You can choose the " account from '' to begin the transfer process but the " account to '' does not include the line of credit account. 

I called and alerted Capital One. They informed me that Capital One is having issues with the feature, which allows customers to transfer money and pay down their line of credit. 

After I paid the balance over the phone, I registered a complaint with the Capital One customer service representative. I informed them that the inability for customers to complete the transaction online is suspect and that " it was convenient for Capital One to sit on this money and draw interest. '' The representative said that there was a way to pay by calling customer service. I responded by informing the customer service agent : 1. At no time was I informed that Capital One was having issues with the online feature, which allowed me to pay down my line of credit through the online transfer of funds option.

2. At no time was I informed via email or some other mechanisms while in the act of transferring funds online that the feature was not working and to call customer service. 

Capital One is not informing their customers about issues with the online transfer of funds and causing unsuspecting consumers to become delinquent. In addition, I feel I have the right to pay off the balance of my line of credit, and if there are technical issues with the ability to do so, Capital One should inform their customer immediately as to how to proceed.

Company response to consumer: Closed with explanation