vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: DC

Complaint narrative:
*XX/XX/XXXX I requested my credit reports from all 3 credit bureaus to find a collection account be reported by XXXX XXXX XXXX in the amount of ~ {$17000.00}. 
*XX/XX/XXXX I contacted XXXX , XXXX  XXXX XXXX XXXX XXXX , and XXXX ( original lender ) disputing this reporting. The credit bureaus responded with written notification that the debt had been verified, XXXX XXXX XXXX nor did XXXX respond. 
*XX/XX/XXXX I sent a second round of letters disputing the debt reporting to both cb, the collection company, and the original lender. The cb again responded that the debt had been verified, the original lender again did not respond, however the collection agency sent a copy of a statement from XXXX and the front page of an inactive homeowners policy with my name on it. 
This debt is being reported incorrectly and I'm not responsible for this debt, in a written statement ( which I will include ) admits that the insurance company agreed to pay them for the work and when the invoice was submitted to the insurance company the insurance company refused to pay the claim. I have made multiple attempts to contact XXXX & XXXX XXXX XXXX without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
XXXX XXXX XXXX owes money and her debt collectors Navient keeps calling and sent a letter looking for XXXX. I have contacted lawyers and can not contact the company directly however have told them several times not to call me I do not owe a XXXX. They call my cell number and my mothers landline. I never ever gave any info for the job reference for XXXX just my name and number. I never consigned anything. My mothers number is on the do not call list. Her number is XXXX and my cell is XXXX Numbers that Navient uses are XXXX. XXXX. XXXX. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I had my checkbook stolen in 2016, I opened a new account with Bank of America and was pushed into opening a Business Checking Account that was inappropriate for my needs. I informed the representative who opened that account that I would be transitioning back into " XXXX-status '' and still the representative advised that I open a Business Checking Account with the bank. I had the account for approximately two years, and late fees began to accumulate on the account. When student loans were deposited in my Savings account, BofA transferred at least {$1200.00} from my Savings to cover the ridiculous late fees. The bank literally stole money without my permission from my Savings to cover {$1200.00} in late fees. They also refused to refund any of the fees when I complained to a branch representative about the issue. I would like help in addressing this and receiving a refund.

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 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Alorica Inc.
State: TN

Complaint narrative:
I have had a store card from XXXX XXXX for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months no interest financing offer when I had bought a brand new house and purchased a washer, dryer, refrigerator and two televisions. Long story short, I have consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled Enhanced Debt Protection. I have been getting charged this fee for quite a significant amount of time now and I not only called XXXX XXXX but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I would receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30 day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and XXXX XXXX for not being more helpful with this process and cheating loyal account holders off of hundreds if not thousands of dollars. The only fair resolution to this scam is to reimburse in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of 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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing LLC purchased my loan XX/XX/XXXX. After the initial letter about where to send the payments, I have not gotten any invoices or correspondence at all. I call them to see if I can get a balance or to see if the payment arrived and they inform me they " Can't talk to me because I am bankrupt '' I inform them my case was closed over 5 years ago. I have told this to at least 8 " account managers '' They all promise to " Change the system ''. I call and call for 2 years to no avail. I send emails. They never respond. They say " we can only speak with your attorney '' I don't have an attorney as the case was closed over 5 years ago. I keep telling them the same thing over and over. They put me on hold for 30 minutes at a time while waiting to " talk to their manager ''. I call customer service who promptly gives me a lecture about bankruptcy. I tell them the case closed over 5 years ago. Then they put me on extended hold again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered three different withdraws from Coinbase to my XXXX checking account. The amounts are {$200.00}, {$67.00}, and {$3.00}. The transactions say complete on their app and that the money should have arrived by XX/XX/XXXX. It is now XX/XX/XXXX and I have not a clue where the money is. Their customer support said my transaction went through but there is still no money in my account so I replied back to them and received a vague answer with no clear direction. I need the money and they seem to be beating around the bush on its whereabouts. I have attached a .pdf of my transactions and conversations with customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NJ

Complaint narrative:
On XX/XX/2018 I am being hit with a hard inquiry from XXXX XXXX/XXXX   which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have a letter from Select Portfolio Servicing stating that they are working on my file which indicate I have submitted paperwork for the short sale. My realtor has called several times as have I and they have not documented all calls. They were not really trying to work with us on this short sale. All request have been sent over. For them to verify that they rec 'd my paperwork and now say its not complete is ludicrous. 

I just wanted my investor to buy the home so I won't have a foreclosure on my record and the lender not have a property on hand both of us happy. I really need to move in some apartments that require I don't have a foreclosure on record. I have submitted all paperwork. 

The balance that they are saying I owe is XXXX more than over the balance. The balance is now XXXX and some and my balance was XXXX when I got behind. It does not take a scientist to know that whatever was added to my balance could not be this amount. When asked for an audit on my file I receive nothing because they said I have not paid Select Portfolio anything. They are correct with Select Portfolio. But I paid when it was with XXXX XXXX, XXXX XXXX and XXXX XXXX. So I was still suppose to this accounting information because it was TRANSFERRED TO THEM. I KNOW THAT XXXX XXXX INSURANCE HAVE PAID THEM FUNDS -- -- -- -- -- -- -- -- -- -- -THEREFORE THE BALANCE THAT THEY ARE STATING IS INCORRECT. THAT MAKES THIS LOAN A FRAUD -- -- -- -- -. 

What can be done to stop this foreclosure because that's the reason they are not working with me. The balances are wrong and I can't be approved if the totals that they are working with are not correct, the system will keep kicking them out. 

I have asked for an itemized statement in which I have not rec 'd will you help postphone this sale and get this information to me since they have not returned phonecalls or called the realtor since this process

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Services, Inc. (Texas)
State: TX

Complaint narrative:
I have a debt for services received from XXXX XXXX here in XXXX. Debt amount is {$2000.00}. I had been going back and forth with the hospital and my insurance company and why more was not covered. The hospital insured me my account would not be sent to collection while we figured out the problem. I checked my Credit report the other day and I have an outstanding debt with XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for the amount above. It shows the account was opened XXXX XXXX, 2017. 

I have not been contacted by this debt collector phone or mail to tell me this was turned over to them. This has drastically hurt my credit score and am very upset I was not notified by either party, Hospital or debt collection agency. 

I do not have any Documentation from either the Hospital since the dispute with insurance began or from the Collection Agency at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NJ

Complaint narrative:
XXXX is reporting a barclay bank account with a balance of XXXX on it this account is fraudulent the account that the payments were being made by is also fradualant

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 I am being hit with a hard inquiry from td bank/XXXX which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 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: NJ

Complaint narrative:
XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo withdrew {$450.00} from my checking account to transfer to my daughter 's account. Out of the blue, Venmo froze my account and my daughter 's account. They have kept my money and have refused to refund. They have requested information from me and I send and then they ask for more. Venmo has been in trouble with the FTC for this behavior I have just learned. They are currently on a watch list. They have been lying to me about my funds. To this date, they still have my money and my account is frozen. They use this as an excuse to keep your money. This is fraud and theft. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NJ

Complaint narrative:
XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: NJ

Complaint narrative:
XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I live in Texas in an area effected by XXXX XXXX. My mortgage company, Ocwen called me in lieu of this disaster and offered me a disaster forbearance. I was told at the time of the forbearance that there were no criteria or qualifications for the forbearance except to request it. Repayment on this forbearance were set to start in XX/XX/2018, but Ocwen had not completed the review of the of the application for the forbearance. I was told to wait until the review was approved to make payments. Each month that went by Ocwen 's website changed my payment date to the next month indicating no payment is currently due. I was called in XXXX and told that I did not qualify for the disaster forbearance and was not given a reason why. I spoke with several representatives and they were all confused as to why I had not been approved as I was repeatedly told, they didn't know why it wasn't approved as there was no requirements for documentation of income or anything needed, it should have been approved. I was told at this time that Ocwen would request a traditional modification and I needed to submit documents for this purpose. I have submitted all necessary documents. I attempted to submit a payment to them on today XX/XX/2018 and the payment was refused and I was told that they could not submit a payment d/t the account being behind. I was told that my account would not be late or counted against me until the review was complete. I feel as if the assistance that was provided for me was to get me into a vulnerable state and then try to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I Had a loan through XXXX for several years. In XX/XX/XXXX I was notified that my loans were being transferred to navient. I had always paid my loan on time with XXXX. I saw on XXXX that the loan was transferred to navient XX/XX/XXXX. The transfer was complete on XX/XX/XXXX for a total of {$4500.00} ( interest rate 3.78 % ). I received a letter dated XX/XX/XXXX that the transfer was complete. I registered with navient online XX/XX/XXXX. I saw online the first payment of {$33.00} is due XX/XX/XXXX ( I have not received a bill yet ). Upon logging on I received a message that my loan was past due and I had been charged a late fee FXX/XX/XXXX ( prior to the loan being with navient ). I called customer service and spoke with XXXX in private loans who states this is for a XXXX payment however this is not the information reported online. She refused to listen to me that it was telling me I had a late fee erroneously applied to my account. This company is fradulently charging me a late fee prior to them even receiving my loan, please help.

Company response to consumer: Closed with explanation