vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GENWORTH FINANCIAL INC.
State: TX

Complaint narrative:
I received notification that the company Genworth which is ( was ) my life insurance company and is named in this complaint was having problems paying out their claims upon claims and suggested that I go elsewhere for my insurance needs. Mind you I have had insurance with this company for the better part of 20 years without issue.

I attempted to call them to speak to them about the info that I received in addition to things I have found out in my research and on their own website. Turns out all social media was reflecting the same information and even on Genworth 's website stated, " due to the claims that have been paid out in the past years they were no longer offering life insurance and could no longer meet their obligations of paying claims. Clearly stating that " if you have life insurance with Genworth you are to go elsewhere for your life policy needs ''. 

At that moment I then decided to cancel my policy upon their instructions. It is NO FAULT of mine that they are unable to handle accounts and pay out claims. At which time since I am being forced to cancel and go elsewhere, I requested a full refund for all of my premiums since I started over 20 years ago. 

I then receive a letter from a senior resolution specialist, XXXX XXXX, which I have attached the letter, that stated since I canceled my policy they would NOT be able to refund my premiums. 

THEY ARE THE ONES GIVING INFO OUT FOR ALL CUSTOMERS TO GO ELSEWHERE AS THEY CAN NOT PAY CLAIMS. I had no intentions of going anywhere until they stated that they are having funding problems and are not able to pay out claims due to their inability to handle business in an ethical manner. So their take is, " due to our bad accounting practices we ask that you go elsewhere for your life insurance needs and oh, by the way, we are keeping the premium payments that you have paid faithfully for the last 20 plus years. REALLY???? Is this even legal? 

I will also be making a claim with the FTC, the XXXX  and the State, and local authorities. This is clearly unconstitutional. If you are no longer able to provide a service to a long time customer and request them to go elsewhere due to your " Genworth 's '' bad business and accounting practices then at least give the customers their premiums back that they paid in faithfully without fail. I pay on a policy for over 20 years and then told to go elsewhere and you get to make the call to keep my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
I submitted a dispute with TransUnion on XX/XX/2019. I sent a follow-up letter to TransUnion via certified mail because I had not received any updates on the dispute. On XX/XX/2019, TransUnion sent a letter stating the dispute that I submitted was illegible. They suggested I type the dispute and resubmit it. The original dispute WAS typed and included proof of my identification, which they also stated that they needed. This is simply an attempt by TransUnion to avoid investigation of a dispute within the allotted 30-day time  limit.

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 2019-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes for incorrect information on my credit report to Equifax. Twice they have sent me a letter stating that they require additional identifying information because they are unable to locate my credit report. First of all, I am a subscriber to their company 's services, so the fact that they can not locate my credit report is baffling to me Second, I have submitted a copy of my Social Security card and driver license with each dispute. Furthermore, I have re-submitted the requested documentation to Equifax TWICE through both of the addresses they list on the letter ; they still can not seem to receive them even though I sent them via certified mail, return receipt requested, and have the signed receipts. This seems like an attempt by Equifax to avoid initiating or completing investigations within the 30-day time allotment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I submitted a dispute by mail to Equifax on XX/XX/2019, I included a copy of my drivers license and social security card as required by Equifax. In an effort to stall their response time they have sent me a response claiming that I did not provide my Identification which is clearly attached to the letter sent to them on XX/XX/XXXX. I have had this problem with them before in previous disputes and have noticed that this seems to be a common practice for Equifax in an effort to stall. The credit bureaus are required to respond within 30 days of receiving my dispute which Equifax has failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
Cascade Capital has repeatedly attempted to collect medical debts that do not belong to me through various collection agencies, the current one being XXXX XXXX. I have requested debt validation through the collection agencies and have only received one page -- a printout from a computer ledger that does not fulfill the validation requirements. Based on the information provided by a collection agency, I have determined that the accounts in question were opened in my name as a result of identity theft. My identity was stolen in numerous breaches of the credit reporting agencies as well as XXXX. I notified Cascade Capital of this information via certified mail, return receipt requested. They received the notice but have failed to act. Their agent, XXXX XXXX, continues to report inaccurate information to all three credit reporting agencies. Furthermore, XXXX XXXX has failed to validate the debt as required by law. Cascade Capital continues to allow this inaccurate information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I paid this company off they would not give me a pay off amount so I had to pay more than what was due they told I over paid and I would be getting a refund of {$290.00} but I would have to wait 30 days for the check to clear and the would ACH the refund back into my account that did not happen now they are saying that they are having issues with that process and will be mailing me a check and I will need to wait 7 to 10 days more so now they are hold my money for 45 days and not paying me anything for the use of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: FL

Complaint narrative:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX/XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXXXXXX XXXX performed an unauthorized credit inquiry 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 2019-05-29 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: FL

Complaint narrative:
Unauthorized credit inquiries : 1-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 



2-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

3-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

4-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

5-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

6-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

7-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

8-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

9-Company named XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

10-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

11-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

12-Company named XXXX performed an unauthorized credit inquiry on XX/XX/XXXX. 

13-Company named XXXX XXXX XXXX performed an unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was given a {$2000.00} limit American Express Credit Card ( Blue Sky Miles ) in XXXX, shortly there after I was XXXX with the military, severely injured and unable to make payments, I told XXXX this, explained the situation, provided documentation, and they put my credit card into collections, even after I provided them with documentation of military service and XXXXt XXXX relating to the injury, it has since destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
This student loan has a Max Delinquency date of XX/XX/XXXX and the account was closed and transferred to a collection agency as of XX/XX/XXXX. Per the FCRA, this account due to being a private student loan should have been removed from my credit XX/XX/XXXX at the earliest and definitely by XX/XX/XXXX. As of today, XX/XX/XXXX, the account has not been removed form my credit. We are outside the allotted 7 years that this debt is allowed on my credit per the FCRA. 
This was a loan that I co-signed for my brother when he was in school. I have only even had one student loan in which i have never missed a payment on. Below I have attached proof of the date of collection for the original account and the collection account with fees being added to it.

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Good morning, This complaint is regarding a store credit card supplied by Comenity Bank. I made a payment on XX/XX/2019 to pay my balance in full. Apparently, I had {$10.00} in interest charges that I was unaware of. I never received a phone call, a letter, an email, or anything notifying me that I had a payment past due of {$10.00}. I only found out when my credit report monitoring service alerted me that there were negative marks on my report. They didn't even report the balance past due at 30 days, they waited until past 60 days to report it, so now there are multiple negative marks. My credit score has gone down over XXXX points for 1 missed payment of {$10.00}. I contacted Comenity immediately and paid the balance and all late fees. I wrote them a letter asking for a goodwill adjustment to my report and they refused. 

If I had received any notice that I had a past due balance, I would've paid it. My credit score was almost XXXX before this. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: LEXISNEXIS
State: TX

Complaint narrative:
FTC VIOLATON WRONG SOCIAL ALL REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Credit Karma, LLC
State: NY

Complaint narrative:
On Saturday XX/XX/2019 : According to an email from Credit Karma, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a XXXX XXXX card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Saturday XX/XX/2019 : According to an email from XXXX XXXX, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a Capital One card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ihadsubmittedcase#XXXXandhavingthecompanyrestrictingmyaccountasofXX/XX/2019andclosinginitonXX/XX/2019meanIdonothaveaccesstomymoniesuntilIreceivedthecheckfromtheminthemailandwillcauseHugefinancialhardshipespeciallyistheendofthemonths.IneedthebanktoallowmeaccesstomyaccounttodaysoIcanwithdrawmymoniesthantheycanclosetheaccount,BearinmindtheiractionisstrictlybiasanddiscriminativeagainstaXXXXcitizen.PleasehavetheBankcontactmeandallowmetoaccessMyFundstodayXX/XX/2019

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 2019-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : K-1 statements Have received three letters from Wells Fargo explaining that they had a system error and that the K-1 statements would not be sent until they were satisfied that the data was correct. First letter received mid XX/XX/XXXX, second received mid-XX/XX/XXXX and just received the third letter yesterday, all saying the same thing. In the mean time, all tax filings are being held up until these statements have been received. Wells Fargo is incapable of providing any meaningful data about how long this process will take. In addition, they have not disclosed process for late payments or penalties incurred as a result on taxes due to their inability to provide the proper information. My guess is that hundreds, if not thousands of other Wells Fargo customers have been left to hang out to dry while we all await for some meaningful data to resolve this issue. Lack of accountability seems rampant in this organization! Anything you could do to help would be appreciated by me and hundreds/ thousands of others as well.

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 2019-05-29 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: CO

Complaint narrative:
I have repeatedly contacted Equifax to " remove '' a dispute comment from my credit bureau, because I am trying to refinance my house and the mortgage lender will not move forward with my loan until the dispute status is removed. Every time I've called Equifax, the representative on the phone can hardly understand what I'm saying to them. The result turns into them adding another dispute to my credit bureau. I just checked my credit report this morning and found out that not only has the original dispute not been removed, but now EVERYTHING on my credit report is being disputed! I am so blown away at this and it is preventing me from refinancing my home! I don't know what else to do. I certainly don't want to contact Equifax directly and make this situation even worse ( because that's what has happened already ). I'm simply trying to remove any disputes from my credit report, and they ended up adding  a dispute to everything ... including my current accounts. This is bad enough, but then I noticed that it also lowered my credit score by 34 points! If I don't get this removed soon, I will have to do more investigating and maybe try to hire a lawyer to help me ( which I really don't have the extra $ for ). Please help me correct this? I am REALLY needing to refinance my home soon to consolidate debt and get myself and my family  into a better financial situation. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
PennyMac did my annual escrow analysis in XX/XX/2019. I could pay the shortage or my payment would increase. I chose to pay the shortage and made a {$600.00} payment on XX/XX/XXXX which brought my monthly payment to {$940.00} which I paid for XX/XX/XXXX. I then received notice that my payment had actually increased to {$990.00}. I called and spoke to an agent at PennyMac on approximately XX/XX/XXXX. He stated that my county taxes had been reduced and my new payment was {$910.00}. On XX/XX/XXXX, I received a notice that my payment of {$940.00} was short by {$45.00}. I called on XX/XX/XXXX and they agent stated that my payment had not been reduced and they would have to do another analysis in order to reduce my payments. I asked why I was told that my payment had gone down and she stated that she did not know why the other agent told me that. I gave her permission to reanalyze my escrow. 

This is how people get into financial trouble with their mortgage companies. I was given false information and PennyMac miscommunicated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: SELLING SOURCE, LLC
State: TX

Complaint narrative:
SENT FTC VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NE

Complaint narrative:
I refinanced my home with Cardinal Financial in XX/XX/2019 they withheld 9 months of my loan Proceeds in escrow for Homeowners Insurance. They were billed b y my Insurance Company XXXX on XX/XX/2019. As of today 's date XX/XX/2019 they have failed to pay the premium and my policy is due to be canceled. In doing research Online they have many complaints about this practice of not paying taxes and Insurance and peoples escrow funds disappearing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation