vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying for several months to get Equifax to lift credit freeze they put on my accounts by mistake.I can not reach a live person at the company. I can get a plain English answer or solution. Today, and this was not the first time this happened, I got TWO letters in the mail from Equifax. One o them said they had permanently lifted the security freeze. The other said they had permanently placed a security freeze on my account. This is maddening. I want the freeze lifted. Permanently. As I stated, this is not the first time I received two contradictory letters the same day ; I have attached the two letters I received today. PLEASE HELP. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I get calls for anyone with the last name XXXX. The most recent call was for XXXX XXXX. This person does not live here. I want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One placed a stop payment on a close out check in error, check was sent on XX/XX/XXXX, received onXX/XX/XXXXin the amount of XXXX. They claim " expectations given incorrectly '' or similar thereof as reason for error. A replacement check was sent onXX/XX/XXXX, fraudulently cashed. I was in XXXX XXXX at the time, was not at home to receive/sign for check or sign it for cashing. Contrary to what a XXXX XXXX claims, the person whom cashed check does not live at my address and am not related. The account she mentions as linked to Capital One account I am not aware of, it is no longer linked. A XXXX requested check image be sent to me, the signature on it is not mine and as I said prior, fraudulently cashed. Capital One has my signature card on file I believe, if they check it, they will see signature is not mine. Since stop payment is an error by Capital One and thus replacement check sent which was fraudulently cashed, they need to reimburse me for lost funds which I am owed. I've attempted to reach out to a XXXX XXXX, a total of seven ( 7 ) messages left, not one returned. She claims she can not return calls when regulatory complaints are in process, it appears she simply will not return calls as none were returned even after prior CFBP complaints closed out. She continues to leave her number when she will not return calls. In closing, I will need the name of their legal counsel as well as address to mail notice of small claim suit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX  {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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:
My Transunion credit score has dropped from XXXX to XXXX in a weeks time due to me shopping around for a loan for a new house. 

I was told, which I believe is correctly, that shopping around for a loan in a specific time frame should not impact my credit score. IE multiple inquiries for Mortgage within a 45 day timeframe should count as a single inquiry. 

However, Transunion is showing multiple inquiries and impacted my score significantly. ( -45 points )

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 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We sent on XX/XX/XXXX an International Wire-Transfer ( XXXX ) in the amount of {$49000.00} from our bank Wellsfargo, account number ending in XXXX, to a XXXX XXXX company named " XXXX XXXX  XXXX XXXX XXXX XXXX '' as a trading transaction to purchasing products. 

On XX/XX/XXXX we complain to Wellsfargo regarding the company not receive any funds. 

On XX/XX/XXXX we amendment the company address. 

On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX ask Wellsfargo to trace the Wire-transfer ( NO RESPOND ) On XX/XX/XXXX, after multiples complaints, we recall the wire and cancel the transaction since the company never receives the funds. 

On XX/XX/XXXX we complain we re-open the recall the wire. They open a case number : XXXX / service order case # XXXX On XX/XX/XXXX, Wellsfargo give us the copies of the emails and say XXXX XXXX was investigating, after that ( NO RESPOND ) On XX/XX/XXXX internal Wellsfargo bank communications say : " PLEASE BE ADVISED, THAT WE HAVE CONTACTED XXXX FOR DEBIT AUTHORIZATION ON SEVERAL OCCASIONS. HOWEVER, WE HAVE BEEN UNABLE TO OBTAIN DEBIT AUTHORIZATION TILL DATE. WE RESPECTFULLY SUGGEST THAT YOU CONTACT XXXX ( received on 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 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
My loan servicing was changed to Specialized Loan Servicing. Since they have taken over I have had nothing but trouble. To start they claimed that the company they bought my loan from hadn't made my payment, so they were starting foreclosure proceedings. 
After we got that cleared up, I set up auto pay. They told me it was set up correctly, however, they didn't take the payments out and once again began foreclosure proceedings. 
Finally, they have now added an additional escrow amount that is higher than my mortgage payment, but they can't tell me where that payment went to. I checked with the tax office and my insurance company, they both said there was no {$1200.00} increase. When I confronted their representative, she first said it was going to taxes, then insurance, then it was a check coming back to me, then she said she wasn't sure where that money went. I asked to speak to her supervisor and she denied me that option. She stated she had no supervisor, that there was no one higher up the ladder than her. When I asked if she was the ceo of the company she said she did not have that information. and refused to help me further. Her Name was XXXX and her ID number was XXXX. When I told her I wasn't comfortable paying an additional {$1200.00} for something they couldn't explain she stated they would start foreclosure proceedings if i didn't pay it. I could dispute it, but I would have to write a qualified letter to do so. She wouldn't clarify what a qualified letter is.

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 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I cant Access MY financial data through other apps, like XXXX, XXXX, or anything of the sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
My mortgage and escrow account was transferred from XXXX XXXX XXXX Loan # XXXX to XXXX XXXX XXXX XXXX loan # XXXX I have NEVER MISSED A PAYMENT. 

Either XXXX XXXX or XXXX XXXX did not pay my ESCROWED insurance and is now XXXX XXXX is force placing insurance on my account. My first payment to citizens one was XX/XX/10. 

I was unable to speak to a live person at either company. 

They did not do their job and now I am penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've had two major issues arise from Navient 's mishandling of my loan 's forbearance paperwork. One is that they claim my account was not in forbearance for a two month period and do not have records of the paperwork. Two is that they put this on my credit report as a missed payment for each of my 5 loans for two months totaling 10 late payments on my report. Navient has refused to correct this when contacted and claims they are in the right. 

1. These late payments vary across the bureaus but on XXXX  it shows XXXX and XX/XX/2014 and on XXXX it shows XXXX and XX/XX/2014. This is all around the same time period Navient split from Salle Mae and in all likelihood mishandled my forbearance. 
2. The first late payment is listed as a 90-119 day late and the second is listed as a 120-149 day late. How is that possible if the proceeding months are listed as current? 

3. Navient applied a late payment to each of my loans separately showing a total of 10 missed payments across two actual missed payments which should not of been shown as missed in the first place. This has been detrimental to my credit report and prevented me from placing my own name on the mortgage of my own house due to high interest not to mention my car loans high interest as well. I verified this when I disputed these payments and the loans temporary came off increasing my credit by 80 points! Only to go back down once they were re-added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

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 2018-06-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX   and from XXXX  saying that this should have never been reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: Avant Credit Corporation
State: CO

Complaint narrative:
I tried rectifying the issue with Avant, but to avail. I asked Avent to put a payment at the end of the loan and was promised it would be done. It did not. There were no notes and they said they had an audio that never herd me ask to place the payment at the end. I do not trust them because the same issue almost happened to me again. I made arrangements XX/XX/XXXX and the XXXX to have payments taken out of my account. I was told no arrangement were listed they also tried to say nopayment was taken out of my account XX/XX/XXXX when in fact a payment was taken out but the XXXX payment was listed. I do not trust this company and they need to be on buyers beware list

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I fell behind on HOA payments for several months. I made multiple due diligence payments towards the past due balance. My account was sent to a 3rd party collection agency ( attorney 's office ) without notification in XX/XX/2016. The bulk of balance due ( XXXX ) was late/legal fees. I never heard from the HOA company or the 3rd party collection agency or had an opportunity to dispute the fees. Once I realized the account was sent to a 3rd party collection agency, I made payment for the full balance due, directly to the 3rd party agency. Although the debt was paid in full on XX/XX/XXXX, the past due balance has not been removed from my account and it still remains in " legal '' status. Additionally ... .late fees continue to be accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 Days Late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again.

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I went into Best Buy to look for a new Television. When I was helped during my purchase, I was offered a Best Buy Credit Card. This sounded great having 0 interest for so many months. I made payments, sometimes not on time, but was told that they don't need to be on time as long as the amount is paid by the end of the promotional 0 interest term. So by the time that ended, my amount had grown, it seemed I was not making a dent in my original bill. So, I contacted Best Buy and was told that I had an insurance that was being charged to my card. I asked what this was for, I had never been talked to about this nor explained what this was. The kid who helped me with my original purchase, in my mind, should not have been in charge of signing someone up for something they can't explain in full. So, basically, from what I understand, my payments were being chopped down by this " unknown charge '' for insurance and never allowed me to pay off my debt. I know that I have paid over the amount I owe for my original purchase in total. This goes against federal regulation as being unfair/deceptive business practices and I know I am one of many across the country affected by them. I last contacted BestBuy almost 2 years ago over this matter and have not heard or received anything from them in the mail since. My wife and I are in the market for a new home and when I ran my credit, we found out I have a huge ding in my score due to this Best Buy credit card! Needless to say, there are no words to the frustration we have toward this! 

links to posted complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-19 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: CA

Complaint narrative:
Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to Experian and XXXX and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from XXXX or Experian. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order XXXX and Experian to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?

Company response to consumer: Closed with explanation