vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XX/XX/XXXX and XX/XX/XXXX payments. Mortgage co., XXXX XXXX XXXX screwed up the closing and did not disclose to us to pay XX/XX/XXXX payment. We moved with the closing into XX/XX/XXXX, funding was not paid to NewRez mortgage. On XX/XX/2019, we were instructed to pay XX/XX/XXXX payment and the new terms were skip XX/XX/XXXX and XX/XX/XXXX payments. Even though NewRez mortgage received their money, they went to as far to report us 30 days late for XX/XX/XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or NewRez mortgage corrected XX/XX/XXXX 's late payment. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
There is a charge-off/past due from Capital One on my credit report with XXXX. Twice, I've told them that Capital One will not respond to my requests to prove this is my credit card. They will no longer investigate and Capital One has never responded to my inquiries. Yet XXXX continues to report the information even though I have told them that I never had a Capital One card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My complaint is about paying off auto loans and credit cards. In XX/XX/2019 I paid off my XXXX financed auto loan in full. XXXX reported to Credit Reported Agencies as " account closed '' which lowered my credit score by 30 points. Consumers are being penalized for paying off debt. If my XXXX score went to XXXX for paying off auto loan, mortgage companies prefer XXXX. Penalized for paying off car loan. The CRA looks at account closed as though consumer closed account when they didn't. Rule should change regarding reporting paid off debt

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX. 

The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I alerted Capital on in writing, about charges that were not authorized by me, Capital one send back info showing the charges were not disputed by the merchant, I responded back stating that the charges were not mine, Captal One responded by saying that they have 60 days to respond. But I told them the charges were not authorized w/i the 60 day time period. 

Those charges are still coming and Capital one has not issued me a new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I don't know where this account came from not my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I feel as though I was pressured into signing up for a degree in a career that did not, and still does not need a degree to perform. I currently having to pay put {$29000.00} for a career that I could have done on the job training. I was not advised that this career did not need a degree. I don't see how a school is allowed to offer a program that should not be a program. My interest rates were not explained to me properly, so now every month the cost goes up. This school and lender target young, adults who otherwise can not afford to go to a University.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please find attachments that XXXX and XXXX did not permit loading.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Applied for a home equity loan with my bank and a XXXX XXXX XXXX collection account appeared on my credit report in the amount of {$1500.00}. I contacted XXXX XXXX XXXX and was told the account was being handled by Radius Global Solutions. I contacted Radius Global Solutions and they said I needed a Fraud Affidavit before they could start the process of removing the account from my credit report. They did tell me that this was a collection from a XXXX Account, tied to a phone number ( XXXX ) I have never had. I have never used XXXX. On the credit report, I also noticed that my current address and my husbands current address were both incorrect, so I concluded that this collection account was improperly placed on my credit report.I have been at the same address for 60 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allied International Credit Corp., (US)
State: TX

Complaint narrative:
Allied international Credit is attempting to collect debts that do not exist. 

They are also attempting to collect debts that were discharged in bankruptcy. 

This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 the bank decides to close my accounts ( Regular savings & Adv Plus Savings ) after a email communication very unclear, but when I try to use the funds were not available. I am told that the balance is will send by mail in a cashier check of the BofA. 
To date ( 2 months after closing ) the check ( s ) with the balances indicated they have not been received at the address entered in the bank in the XXXX XXXX XXXX XXXX and the explanations received by phone and XXXX do not answer where and when I will receive the money. 
The communications made on my side with the BofA ( Closure dptmt ) only respond to me that : the physical mail used does not have a tracking number and that the sent envelope does not have bank logo ; and therefore it is possible that them are lost ( who knows ... ). 
From my side I must wait and see in the check show up within the 90 days window that the bank has for a re issue of new checks. 
I find myself to date without knowing where my funds are, without being able to use them and with deceptive explanations that only tend to delay the return of my funds. 
As per today I'm facing direct and indirect damage due to the not availability of my money but this is not of importance to the bank. 
I'm still Bank of America customer through the credit card that I have valid and operational, however I see clearly that this bank does not want to provide any solution for a money deposited in confidence in their trust. 
After several harsh claims via XXXX, the bank appointed a contact person only reachable by phone, this person indicated that the checks were re issued on XX/XX/XXXX under the same scheme : plain envelope and basic postal service with no tracking possibility. 
Again I must wait and see ; and clearly a new window of 90 days was open on XX/XX/XXXX, meaning that the recovery will be perhaps within 4 months from closure. 
A total lack of responsibility, and care for the fund deposited with this bank, a total lack of service from an institution that is created to give security to funds deposited, a total distortion of the function that a bank must perform mishandling funds of a customer and giving totally unprofessional responses with zero responsibility on actions taken with the assets of a third part. 
I currently reside in XXXX XXXX / XXXX and it is not possible physically present myself at the bank branch, from there this request. 
I would greatly appreciate your help.

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 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was searching for concert tickets to XXXX XXXX on XX/XX/19 on XXXX. I emailed one of the posts and provided my phone number. The XXXX person who posted the ad contacted me via text messaging. He asked for me to send the money for the tickets and he would then send me the tickets via email. I sent the money and the person who claimed to be " XXXX XXXX '' disappeared. I was never sent the tickets and his phone number was disconnected and his ad was removed. The XXXX Ad was post ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
Interest rate on the loan is extremely high. Im reaching out to your organization to review to this loan. In NY State are these rates legal? Complaint against the following company One Main Financial. Annual Percentage Rate 24.99, Amount Financed XXXX. Total payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
I noticed unauthorized and fraudulent inquiries on my credit report made by the following companies : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Student Loan is showing as delinquent when it has been 100 % paid in full and has no money left on 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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have an PayPal acct. I have had this acct for many years, since XXXX XXXX XXXX took over the website for PayPal has changed. It is nearly impossible to get a complete statement of your acct online let alone mailed to you. Before all the info was available to you. Now instead of it being readily available you have to call customer service, good luck. 
It is very hard to navigate the website and what little info they give isn't complete. Where is the statement with prior balances, payment info and interest accrued. Seems very deceptive and makes checking monthly balance very difficult.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meyer & Njus, P.A.
State: MN

Complaint narrative:
On XX/XX/XXXX I contacted Meyer and Njus about my monthly payments of {$250.00} to put a stop payment on the month of XXXX. The Man I spoke with XXXX said they can do that and hold off until XXXX. The following week that payment was still taken out and my bank account overdrafted. After seeing this I contacted Meyer and Njus and they said they will reverse it but its been almost two weeks and still nothing came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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 noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3.  XXXX XXXX on XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: MO

Complaint narrative:
I sent my student loan company Navient a Principal Payment in the amount of {$30000.00} and they have not credited my account. The check has cleared my bank account on XX/XX/2019 and I included a letter of instruction with my check. I believe there is fraud or embezzlement going on with Navient and they have stolen my money. This is money I have saved for a long time and worked very hard to get my student loans paid off. Please help me resolve this and find my money. I am very distraught and I have tried to contact Navient and faxed them proof of payment and I can not get anyone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has continued to allow unauthorized transactions on my account since 2015. Consistently processing my debit card 3 and 4 times in a row in a twenty four hour period, claiming insufficient funds, applying a XXXX $ for each then approving the final attempt. Sending me overdraft further and further each month. Eventually I was forced to live on less than XXXX per month for a year before finally my account was overdrawn before my direct deposit was processed. The applied a freeze or hold on my social security direct deposits. Claiming I needed to unfreeze my account by bringing it to positive balance to reactivate it. My direct deposits were then returned to social security as it appeared my account was closed to the computer mot on HOLD as they claimed, then released after 5 days. I contacted social security for six months each time updating my bank info to be deposited each month, but it continued each time. When I tried to switch banks for my direct deposit I was notified if I transferred my deposit info to a new financial institution I'd be charged with bank fraud for closing my negative account. Help please..

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 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I initiated a transfer for {$1500.00} XXXX  dollars to XXXX. The funds were deducted from my XXXX XXXX Account ending in XXXX on XX/XX/2019. Funds were to be available by XX/XX/2019. Subsequent to the transfer I was asked for additional information that was already provided to Remitly. I was then informed that it would take an additional 5-7 days for the transfer to be processed and ready for pickup. Because of the many false representations and outright negligence of Remitly I elected to cancel the transaction. I received an email confirmation of the cancellation on XX/XX/2019. In the email Remitly falsely claimed that, " No funds will be withdrawn from your account. '' The funds have been deducted and as of this writing have not been returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
TIAA Bank is not responding to my secure messaging communication regarding maturity instructions for my CD, which matures today. When I log into the online banking on TIAA 's website, I see that they are trying to set a new maturity date in 2024. I have provided instructions that the CD is to be paid out at maturity which is today. Concerns me that the bank disregards my instructions and ignores my contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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 noticed unauthorized and fraudulent credit inquiries made by the following companies : 1. XXXX XXXX XXXX on XX/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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, my husband deposited two checks into a joint account we have togther, one was overage from a title company and one personal check. Both checks were held for review ( not out of the ordinary ) so we waited. On XX/XX/XXXX, my husband tried to login to our bank account and gets a notification that the account has been frozen, not allowing us to withdraw funds. He called USAA to find out what the matter is and he is told the checks were being held for review and that the process takes 3 days and to wait till Monday for it to clear. He call Monday XX/XX/XXXX, account is still frozen, told to just wait longer. I also called, and they would not give me any information about how long we would be without funds and said that it was with the fraud department. Call XX/XX/XXXX, told to just wait longer. Keep in mind, the two checks aren't the only funds being held, it's all of his funds. Why is all of my funds being frozen if they were investigating the checks? Also, if they were investigating, why didn't they contact me? Why did I have to contact them to find out this information? Still awaiting resolution to this, and as of right now, we don't have any ability to take out money from my bank. They have given us no information as to what can be done to resolve this, and on top of that they keep saying they are investigating " attempted fraud '' which is downright insulting that they would automatically assume my husband was committing fraud, before a full investigation. 

My wife and I have been taking turns calling up USAA to get our account unfrozen. I doubt this will hasten the account to be unfrozen but it is cathartic to vent. Although both checks have cleared into our account, we are unable to access $ XXXX of our own money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received an alert from my credit monitoring service and Capio Partners LLC is  erroneously reporting a debt in the amount of {$180.00} for an account opened on XX/XX/2019. I have no knowledge or relation to this company. I have never received any correspondence from this company. I have no idea who Capio Partners is and they are negatively impacting my credit report and scores.

Company response to consumer: Closed with non-monetary relief