vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo credit cards was closed on XX/XX/22 due to a delinquent mark. I received a letter which stated this. 

I've investigated the mark with XXXX  XXXX XXXX and it's since been solved. All credit bureau 's have been notified and the mark has been removed. 

I've opened a case with Wells Fargo on the XXXX of XXXX and have been calling back weekly to get an update. I have not been assigned a case manager in the two weeks. Yesterday a woman had told me the card was closed due to inactivity. The card was last used 4 months ago. I submitted a complaint via XXXX   and today I was finally able to be transferred to the " Wells Fargo Executive Credit '' department. XXXX from this department said this was a business decision and the card will not be re-opened. I stated I never received ANY sort of warning, especially if it was for inactivity. My rewards points were stripped and I would not be receiving them. XXXX stated there is nothing more I can do. 

I've had this credit card for 10 years and had ZERO marks in my entire credit history. I believe I'm being unfairly treated and entitled to a case manager to actually investigate.

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 2019-11-15 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: OH

Complaint narrative:
I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company

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 2019-11-15 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: CA

Complaint narrative:
I am graduating school in XXXX. I contacted Discover Student Loans multiple times to find out what my payment would be. They have refused to just tell me what the payment will be, and said they would mail me a schedule when the online link wasn't working. The first attempt to mail never arrived. The second attempt is outdated and shows payments as though I had been paying since 2008 and hadn't deferred while in school. I still don't know what my monthly payment will be or my payment schedule and it seems like Discover is being purposefully deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
around the month of XXXX Equifax placed a freeze on my account. when a company by the name of XXXX XXXX ran my credit on XX/XX/XXXX, they charged me a XXXX deposit because of the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Im a 37 year military and XXXX XXXX, I made an allotment from my XXXX  401 ( TSP  ) to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is the same number of an XXXX XXXX ladies account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never ever be the same as another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 7.5 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them. 
The latest USAA representative XXXX XXXX from the office of the CEO stated with 12 million member the numbers could be the same with a members ID being someone elses account number? Really, we gave them the federal tracking number with all my information on it. USAA is still refusing to get my XXXX back, stating theyve attempted to contact the other account holder ( female XXXX XXXX thieve ) and havent heard back from her, and will not put a hold on her account. 
The customer service with USAA is the worst experience Ive ever had. 
I spoke with XXXX  XXXX XXXX and XXXX XXXX. And both said the same thing about the account and member ID numbers being the same for two different persons I made an honest mistake and USAA could care less TSP  and myself provided USAA with the 15 digit trace number also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Hello. In XXXX I purchased a foreclosed home, I then put about $ XXXX {$60000.00} into repairing and getting it. By the beginning of XXXX the home was completely remodeled, so I reached out to my mortgage company caliber home loans and requested that they remove my PMI and or stop dispersing it to the company that was charging me. On multiple occasions I spoke to representatives at caliber home loans who told me I did not meet the threshold to have it removed, so I then requested information to speak directly with the PMI servicer and they told me I would have to deal with them directly meaning caliber home loans. I requested every time I spoke to them to make a note because I knew my home was valued above the threshold to have the PMI removed but they refused to send me the forms to start the process they said on multiple occasions that it was In the mail, they never arrived. Meanwhile I became a XXXX patient while all this was going on and continue to argue with them about the value of my home and the PMI being unnecessary. As of a couple months ago I went on the website completely frustrated and found a pdf form having just spoke to a representative that told me it was not possible I decided to fill the form out on my own and send in the payment to start the process because I knew I was correct. This past month the broker came out to my house to do the home evaluation and told me my home was valued well above the PMI threshold and that there was no reason that I should have been paying for a PMI insurance for the past two years almost 3 years. I decided to call caliber home loans and explain to them that it is very frustrating that because of the incompetence of their representatives I paid money that I could have been putting towards medical cost towards a service I did not and do not need. They took no responsibility and said that the PMI is now removed and I should be happy with that. Would you be happy if someone stole {$4200.00} from you for a service you never needed? They have taken no responsibility and just told me that they sold my loan to a new company to get away from the problem this is unacceptable I would appreciate assistance on this situation as they continue to disburse money to a company they received a kickback on at my benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, I applied for the Citi Bank XXXX XXXX XXXXXXXX Mastercard card, Application ID XXXX. The application was denied with the following official feedback from Citi bank " The credit privileges on your existing account ( s ) are currently restricted. '' The document is attached. 

Upon checking with the agent by phone on XXXX XXXX at about XXXX, I was told the account was not approved because I had a Citi card that was closed over 10 years ago and because I had 1 late fee on my Citi Simplicity Mastercard. The agent instructed me to speak with XXXX. At XXXX, I spoke with XXXX XXXX at XXXX. I read the notice received from Citi Bank and he reviewed my credit file with me. He noted that when I applied for the credit card back on XXXX XXXX Citi bank went into my credit file and make a remark on my old credit account that had an open and active dispute. The account was opened back on XX/XX/XXXX and was closed with the last activity being over 10 years ago upon the account 's closure. 

We both spoke with XXXX ( in Kentucky ) at Citi bank and her supervisor, XXXX in Maryland. I explained to them that my old credit file should not have been used to make a decision and that is unfair. They said there is nothing else that could be done at this time. Because of this, I am reaching out to address Citi Bank 's unfair lending practices.

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 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage Company has been holding insurance claims proceeds in the amount of {$130000.00} since XX/XX/2019 from a casualty loss and will not disburse the any funds. All of the appropriate documentation has been submitted, but they continue to withhold disbursing proceeds. Each time I call, which has been countless over the past 3 months, I get a different representative and a different excuse.

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 2019-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Working on repairing my credit, I contacted Trans Union to inquire about 2 items on my report with XXXX XXXX. XXXX # # : XXXX. 
Trans Union insisted they have verified the account with XXXX, however no one has ever been notified via from Trans Union. 
Also, Trans Union are not listing the entire account number but a partial account number and this is highly damaging to my credit score with not listing the entire account number. By not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
On XXXX XXXX, 2019 I received notification from trans Union saying the above account has been verified and is accurate. Also, on XXXX XXXX, 2019, I received notification from trans Union saying the above account # with XXXX XXXX has been Deleted from my credit report. 
In accordance with the requirements of the FCRA section 6119a ) ( 5 ) ( B ) ( ii ), Trans Union was required to notify me of the reinsertion in writing within 5 business days. I received NO such notice and this is a very serious violation of the FCRA. 
Additionally, I asked Trans Union to provide the names, address and telephone numbers of each person they contacted regarding their verification of the account with XXXX XXXX. Once again, they FAILED to provide this information. I informed Trans Union, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE, I requested their method of verification, DID NOT receive this information.

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have contacted Bank of America twice about this issue by phone. Its been three weeks since I requested a check refunding a credit balance I have on my account. What is going on? THEY ARE REFUSING TO RETURN MY MONEY.

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 monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received the bankruptcy discharge statement dated XX/XX/2019 stating that this debt was discharged without payment. The company on this discharge was called XXXX. 

I have been receiving emails from Navient about payments since XX/XX/2019. 

I contacted Navient and told them the debt was discharged. I faxed them the paperwork on XX/XX/2019 showing that the XXXX debt was among those discharged in my bankruptcy claim. They haven't responded except to say that my payments are going to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CO

Complaint narrative:
On XX/XX/XXXX 2019, I received an email from Navient that states " Your Deferment has been approved. '' I did not provide authorization for this change in my payment plan to occur. I spoke with XXXX at Navient on XX/XX/XXXX who stated that when Navient receives information from a school that you are enrolled in they often switch the payment plan to deferred. I did begin a XXXX XXXX in XXXX. However, I never sent any information to Navient. I never personally requested that I be placed on deferment. It is very concerning that this loan management program has the authority to make changes to my loan terms without authorization of the loan holder. If it is not already, I feel this should be illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: OH

Complaint narrative:
I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX Department  store, XXXX Department Store, XXXX XXXX Credit Card, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: STERLING BANCORP
State: CA

Complaint narrative:
My husband ( XXXX XXXX ) is having a problem closing his account with XXXX  ( a high yield savings account with Sterling National Bank ). He called them this Tuesday ( XX/XX/XXXX ) to formally request an account closure and full ACH transfer of the account contents. Today ( XX/XX/XXXX ), they told us the the request have been neglected. We need this money ( for a downpayment ) and they are unwilling to compromise and expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I requested a loan online and received a positive response the following day. Before receiving the response I emailed and called lending club to tell them I didnt want the loan after all as I had gotten a better one through my bank ( XXXX XXXX XXXX XXXX ). They told me it would take a couple days to show up and when it did I needed to call them back. I did so. They told me I would be able to use their 30 day policy for refunding the loan without any fees if I could keep it from getting to my bank. I told my bank. They werent able to do a stop payment on an ACH transfer so I called lending club and let them know. They told me that Id just have to get the money consolidated into my bank account and then give it back. I told my bank to do so. They did. The money remained in the account it had deposited into for a full 30 days while I repeatedly asked lending club through email and phone calls to take the money out. They kept telling me just to pay it off. I told them no I wouldnt because I didnt want it and they had a refund policy so they kept saying they would take the money out right up to that XXXX day, even sending an email to me saying that they had indeed taken the money out and this was a receipt for them having done so. Then I got a phone call from their payment dept asking me to pay them the first payment. I told them no I wasnt going to pay the payment but the money was in my account please take it out. They waited until the day after the XXXX day to tell me that the transaction had actually failed. They claimed this was due to insufficient funds and it was my banks fault. I called my bank. They told me the contrary. They said the transfer of funds had bounced back but that it was an issue with the lending club. I called and told lending club this and they said since the 30 days had passed it no longer mattered if I had intended to get the money to them and had made every effort at stopping the loan from coming to me, every effort at returning it, and been extremely patient for the entire month - now they have sent me a collections letter. I have tried everything in my power to handle this but it seems as if this is a scam. 
XX/XX/XXXX XXXX $ transfer to XXXX accts Emails and phone calls to XXXX XXXX and LC XX/XX/XXXX Emails XX/XX/XXXX from LC to me acknowledging the cancellation Emails on all the dates following asking them to please cancel this loan and them acknowledging my attempt to cancel : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for the hundredth time I dont want this XX/XX/XXXX receipt of collections letter from XXXX from Lending Club for the past due balance of XXXX XXXX This is a far greater amount than the original terms and apparently theyve been taking money from my bank account for payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: CA

Complaint narrative:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

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