vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Since XX/XX/XXXX had a Credit Card with Wells Fargo. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into Wells Fargo Collections XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I  was late on my payments, so then Wells Fargo closed the card and the account. I then continued to receive calls from the Wells Fargo collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.

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 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an account with Bank of America around XX/XX/XXXX-XX/XX/XXXX joint with my mom. I opened it while I was in high school. I had approximately 2,800 in the account when the account was overdrawn by {$1000.00} and my account stated that I had written a check with insufficient funds even though a banker specifically told us that the money was taken from my account to pay for a loan that was fraudulently taken in my mother 's name.

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 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We initially contacted Freedom Mortgage ( Spring XX/XX/XXXX ) to  drop our PMI when our LTV was at 80 %. We were told since our loan was less than two years old, we will need to get an appraisal to determine if the value of the home had changed. After the apraisal ( {$600.00} ), we got a letter a week later stating that in order to drop PMI we have to be at a LTV of 75 %. ( btw, we've never been late for a payment ). We did learn that some mortgage companies do require a 75 % LTV, so we brushed it off as a standard practice and kept making payments ( even though we did feel a bit misguided by Freedom Mortgage ). 

We finally hit 75 % LTV earlier last year ( Spring XX/XX/XXXX ) and once again, submitted a written request for our PMI to be removed. They sent a letter stating we were not at the correct LTV to drop PMI and that the last appraisal was only good for 6 months and we need to pay for another one. We were told once the loan hits a 75 % LTV, the PMI will automatically get dropped. However, if Freedom Mortgage had done this, I would not be writing this complaint. We are now just below 73 % LTV and Freedom Mortgage is STILL refusing to drop PMI unless we pay for another appraisal. 

This is ridiculous! When will it stop? We've gotten so many mixed messages from F.M. that we're beginning to think they're purposely scamming us into paying unnecessary PMI payments. We've gotten confirmation ( over the phone ) that we are eligible to drop our PMI, but then we receive a letter stating we need to meet certain requirements before the PMI is dropped ( which we ARE currently meeting ). 

We try to email this company to keep a communication chain, but every time we email them, they reply by sending a printed response by mail. Our case notes are never recorded, so each time we call to get an answer or to check the status, no one has any history of previous calls/complaints and we have to go through our entire ordeal every time. 

If this complaint doesn't help get a response from Freedom Mortgage, I will likely seek legal action against this company. We've wasted thousands of dollars waiting for this company to do what is LEGALLY required, but they continue to disappoint.

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 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called XXXX XXXX XXXX at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX Paypal funds were in my PayPal account and I initiated a transfer to our joint account at XXXX XXXX XXXX. I received a message that my funds could be under review, I contacted PayPal and they informed that my transfer was initiated and as it was in a batch that they had no control over the automated system. The supervisor informed me that the review was completed and after the holiday of the first I should expect the funds in 1-3 days. 
I contacted them via e-mail asking why the funds where stilll in review today and also was on hold for 47 minutues and was informed by XXXX that the system was automoated, the supervisor was incorrect and that the first e-mail was correct. My funds were in review and that I can expect my funds sometime next week. 
These funds were to help with a medica payment in order for my wife to recieve additional medical treatment. 
I believe that Paypal was not forthright and that it was intential to hold the monies, regardless of no disputes, the personal medical situaton or compliance on my behalf. The funds are tied up under the review process which I think is a sham and way to gain more interest at our expense. If my wife suffers as the result of this, and I am asking friends to assist me with a short term loan which compiles the stress - I am holding Paypal responsibile as they misled me, were not professional and made it difficult to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
On XX/XX/2018 Carrington Mortgages LLC approved me for a Mortgage Loan. My loan manager XXXX XXXX pre approved me for over XXXX dollars. I closed on a home on XX/XX/2018. My closing date was scheduled but it was changed four times due to inconsistencies of processing my loan application and mismanagement issues with the underwriters. I had three underwriters in the course of four month reviewing my loan. My closing dates changed four times. 

In fact, I was led to believe I was approved so I had an earnest money of XXXX XXXX dollars.deposit which I want in return for this issues and my loan manager not being transparent with me upfront that I wasted my time and money going through this burden past four months. 

My realtor told me that Carrington Mortgage LLC was going to return my deposit, I have not received it that's why I am writing this complaint I did not appreciate my loan manager speaking directly to my Realtor in reference to my loan and my medical conditions with the VA. During a conference call with the VA , my loan manager stated that I will not get a mortgage loan with another company due to what's in his credit report. I found this unprofessional and I was offended by this. 
This is unfair business practice and a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I have reached out to the creditor CMRE Financial Services , Inc in regards to this debt w/ no communication of validation. The original creditor is XXXX XXXX XXXX. The amount of the debt is listed as {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: AZ

Complaint narrative:
I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. 

When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. 

I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. 

On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. 

Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. 

On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. 

On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. 

The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. 

I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. 

This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this.

Any assistance would be greatly appreciated. 

Thank you. 



Step 4 : What company is this complaint about?

Step 5 : Who are the people involved?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Performant Financial Corporation
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX , XXXX, had my check garnished without sending letters, making calls or returning calls to first try to settle this debt. This debt is owed by me and my soon to be ex-wife and only my check had wages garnished from it. This company did not make one attempt to call, just sent a letter to my employer direct for garnishment.

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 2019-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
BB & T closed my account for no reason, the account # is XXXX, and they keep telling me they will send me a check with the final {$980.00} in my account but nobody is telling me when I will get it. In the meantime, I am dealing with an eviction and other issues and when I contact the branch, they tell me, " A letter is being processed and you will get your money soon! '' This has been going on for a month 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 2019-01-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I was a victim of a Hipaa Breach that was announced in the XX/XX/XXXX. The breach involved a Health Department worker working at the XXXX XXXX  XXXX. My protected private information, medical records and social security number was compromised. I was instructed to check my credit report after my release from XXXX   XXXX. 
After my release I tried to apply for a bank account on and that was when I found out that I was in ChexSystems. XX/XX/XXXX was when I received my credit report from them. Analyzing the file I instantly notice the inaccuracy of my name and address and more. What stood out the most were two different occasions where it was checks ordered. In my initial dispute I clearly explained how I was a victim of a Hipaa Breach affecting hundreds of XXXX. In my dispute XX/XX/XXXX, I explained how I was requesting my file so I can check if it was fraudulent activity done while XXXX. In my dispute I enclosed a letter head from my XXXX XXXX signed showing the dates I was XXXX. 
ChexSystems started their investigation on the matter and kept me updated. ( I have the reports ) At the end of their investigation in their letter they stated how the information came back verified and then listed telephone numbers to call the banks. My problem is that when they verified one of the banks they provided me a copy of a signature bank card I originally did with the bank. As I disputed to them was that I needed to see the information surrounding the fraudulent activity because I knew the account was mine. Fast forward to now, is that they still reports false inaccurate information and also Im still unable to obtain a personal bank account due to Fraudulent activity and they are inabling criminals to do identity theft. My problem is XXXX XXXX XXXX inst reporting it to them but ChexSystems still report it making it so hard to recover. Also is if they really did a investigation they will see how the fraud wasnt from Me. Its more also however Im trying to take steps before I file claims in courts.

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 2019-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: DC

Complaint narrative:
In dealing with Discover Student Loans, I have found it impossible to remove my parent/guardian as a cosigner from a small student loan (with more than 48 consecutive on-time payments). I have applied twice to get my parent/guardian removed as cosigner, and each time, Discover provided me with conflicting information about whether this person was removed or remained on the loan. Once I was told my parent/guardian was removed. Twice I was told that person remained on the loan. I have zero confidence in their cosigner review/release system. Questions specific to the review process inquire about age and career level, which I believe can be used to discriminate. I have a high income, low debt ratio. My credit score is considered excellent, and I have had a full-time job for with above average income for several years. Still, I cannot get a cosigner to be removed from a $XXXX  undergraduate loan. I want CFPB to look into the process by which Discover Student Loans grants applicants the ability to remove a cosigner. I believe they are taking advantage of the system and denying requests outside their rules and guidelines. And I believe that they are discriminating against applicants on the basis of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: MD

Complaint narrative:
I have a school loan I have been paying to Navient and they seem to keep loosing my payments or can't find them. From XX/XX/2018 to XX/XX/2018 they said they haven't received my payments. I've been sending them payments by money order and I have all of my receipts from my money orders. This is the second time they have lost my payments. The first time was in XX/XX/2018 and they told me to do a forebearance for that. I have my receipt for that month also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: VA

Complaint narrative:
For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from XXXX that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from Equifax on XX/XX/XXXX, Account No XXXX and immediately put back on in XXXX I can not locate my XXXX report for XXXX but the removal date was the same. XXXX showed that negative reporting began in XXXX to be removed in XXXX of last month. 

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this XXXX  has deleted all my favorable credit and left me with just XXXX. My XXXX XXXX that I purchased in XXXX no longer shows and a few more that were updated in XXXX and were paid in full The XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX  portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information being reported

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 2019-01-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Early in 2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When my Son was born in XXXX, my Father purchased a Certificate of Deposit for {$1000.00} from Wells Fargo in XXXX, Ca with my Son 's name as the beneficiary ( XXXX XXXX XXXX ) .This certificate was supposed to automatically renew every 30 months. My Father passed away in XXXX. I recently tried to check on the status of the certificate and the bank says there is no record of that number and all the records have been purged.

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