vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
How do these people get away with what they do to people!?!? They told us, In order to do a moderation you cant make payments on the account until the moderation has gone through. Well, 8 months later after a very lengthy conversation back and forth of why the moderation was never sent to the under writers. Literally things like the phone number was in the wrong place so we had to resend the documents or the address was to low, or the name wasnt legible, you name an excuse, they gave it to us. So once they said too much time had gone by and wed have to start over again, I said no way, because for one they put our house into active foreclosure!!! It set to go for sale on the XXXX. We are trying to send them the money. They dodge our calls, put us on hold and hang up, give us bogus ways that they know wont work to get the money to them because they want our house! Not to mention, every time I call them they tell me this amount is good until the sale on the XXXX, then I finally get someone, by getting around their dodging us and the amount goes up XXXX $ more in 2 days!!!!!!!! 
Im lost and only have a few days left. Someone please help me and let me know what to do. We cant loose our house because they want our oil and gas land!!!! Please HELP!! Tell me what I can do to stop this! We live in a small town and dont have attorneys-that are big enough to take the case. Im so lost. How do they get away with this???? Why is this legal??? Why isnt there more help out there for people being victimized by these big banks????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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:
This is the second time I have sent a complaint to XXXX over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On XX/XX/2019, I filed a formal complaint through the CFPB stating " I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions. '' However, TransUnion closed the report without taking any action, stating that they would respond within 60 days. This is completely unacceptable. The complaint CAN NOT be closed until the issue is FULLY RESOLVED. This additional complaint does not extend TransUnion 's deadline. This needs to be solved within 30 days of the original complaint date.

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 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
The judgement has been paid and satisfied in whole. On XX/XX/2019 In the amount of {$920.00} withdrawal from my bank by Midland Funding from my SSI XXXX income. 
Circuit Court City of XXXX, VA The judgement has been satisfied on XX/XX/2019 There is a balance of {$70.00} which I disagree with. There should be a XXXX balance according to the court Notice of Satisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2019. I received a letter from Bank of America informing me that my account was being closed due to fraud related activity. I never committed fraud in my account. I deposited a check into the account from my XXXX account because I was anticipating money being deposited into the account to cover the amount of the check. I was a BOA customer for over 10 years. It was baffling to me that they would assume and rule out fraud without conducting a thorough, proper investigation. Please assist as this is effecting my ability to open a checking account at other banks.

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 2019-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am taking unpaid time off because I am getting ready to have a XXXX. I have filled out all appropriate FMLA paperwork to cover my job and myself during this time. I called today to see about temporarily suspending my payments while I am on XXXX  leave and was flat out denied on the spot. I am actively looking into suing Navient ( still Sallie Mae, a name change wont make me forget how poorly you have treated me over the years ) for how they have handled this situation. Is it even legal for them to deny me suspension of my payments when I am getting ready to have a XXXX  and am on FMLA? It cant be legal. I am seeking out legal advice now, I am hoping to have a lawsuit filed by the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for my home loan through chase bank. Beginning at the end of XX/XX/XXXX chase bank still told me to wait until XX/XX/XXXX. my closing date is XX/XX/2019So I missed my closing datechase bank inefficient work, my rental APT has expired and I need pay additional lawyer fees and pay cancelation fee to XXXX XXXX XXXX XXXX, chase bank wasted my time and money I have paid {$500.00} for property valuation, chase bank Official website said " Guaranteed fast closings or get {$1000.00}, Were committed to making your new home purchase as easy as possible. Now we also bring peace of mind with the Chase Closing Guarantee : we promise an on-time closing in as soon as three weeks or you get {$1000.00} back. '' I decided not to wait, I want to cancel my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC.
State: DE

Complaint narrative:
Order XXXX was placed by XXXX on my XXXX credit card in XX/XX/2018. When I realized the order was placed on my credit card and not the store gift card, I immediately requested a return label for the items purchased totaling {$2500.00}. I received an email from XXXX ( customer care rep at XXXX ) on XX/XX/18 where he provided me with a return label to ship the items back to the warehouse. I then shipped the items back to the warehouse using the shipping label he provided me. 

After several months and calls to XXXX customer service, I was unable to obtain a credit for the merchandise that I returned. I was repeatedly told that I would need to pay for the items. After checking the XXXX website on XX/XX/2018, to assure the items were received by the warehouse, I then took a screenshot of the page that displayed " RETURNED TO XXXX, OH, US '' I then started reading reviews about XXXX online and realized that this was a big issue that customers have experienced for years now. I have repeatedly tried to dispute this from my credit, but I have not been successful. 

After I advised XXXX customer service of this, they refused to credit my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
1. Capital One charged off my account with no warning and no time for me to prevent it. They say XX/XX/2019 but I had no idea until XX/XX/XXXX when a statement showed up. There was nothing on the statement that said the account went to a " Firm '' or which one it  went to or any contact information. I had to go online to their website when I was able and see it was XXXX XXXX XXXX. I made a complaint to them because I had no idea what was going on. They wrote back and said they'd had it since XX/XX/XXXX ( the day I knew ). I told them about the repeated harassing phone calls from Capital One and they sent me back a note saying that the issue was " Closed '' and sent back to Capital One. That was dated XX/XX/XXXX. I thought and was led to believe this was closed. 
2. XX/XX/XXXX I get a letter out of the blue from XXXX and XXXX XXXX. dated XX/XX/XXXX. It was such a shock because I was led to believe it was closed. They told me that if I was to dispute I was supposed to send them a letter within 30 days and then they would send me proof that I owed it. 

3. I sent them a letter on XX/XX/XXXX, disputing the entire amount because of the letter from XXXX XXXX XXXX. I got a response from " XXXX '' at Capital One on the XXXX to the CFPB complaints. Then a letter from XXXX and XXXX telling me the dispute was " Invalid ''. No explanation. I'm just going with what THEY said in their letter. It's the law! They never sent me an explanation or proof. They are supposed to give me an explanation. Just a " Invalid '' and the amount THEY say I owe. And I'm supposed to call their XXXX number for a payment plan.Nothing else. Nothing that was mentioned they would do in the 1st letter. 

4. Neither Capital One, XXXX and XXXX XXXX, or XXXX and XXXX XXXX sent me any proof of anything or any explanations why anything occurred. I never even got the 30-day dispute letter from XXXX XXXX XXXX. 
This does not mean that any of these people have any right to send me 20 pounds of paper in a manila envelope in the mail. This has happened before with Capital One and it was hideous and a complete waste of their money, time and of natural resources. 
If they must send me page after page do it through the complaint electronically. 
5. These people have tortured me with their complete lack of communication and I am petrified what they will try next.

6. They are breaking the law now to get me into deeper trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX and the Equifax brought the dawn my credit score 105 and they don't want to remove one hard inquiry that they are reporting! It's really shameful that they are destroying my opportunity for purchasing a car or home and getting a loan. 
I believe they must to remove the wrong information from my credit history now and bring my score back ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: MS

Complaint narrative:
I called XXXX  XXXX to acquire about prices and packaging.The rep took my name and number and other info.He told me he would have to do a inquiry to see if I qualify. I EXPLICITLY TOLD HIM NO bc I was working on my credit. I then told him Id have to call back to complete my inquiry bc company had arrived. I was told the call was recorded so EVERY THING IM saying is verifiable. A couple hours later I get an alert from XXXX XXXX that XXXX had did a hard inquiry. This ocurred XX/XX/2019 around XXXX central time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the second time I have sent a complaint to Experian over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX CO XXXX XXXX. I WILL BE FILING A REPORT WITH FTC 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 non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I opened a new checking account online couple of month after a dealership financed my new car thru them and by having this loan, I was under the understanding that I was already a customer, but the bank failed to inform me otherwise and also failed to inform me on a clear and timely manner that my account founds will be unavailable until I provide them with a copy of my drivers license and social security card. 

By the time I discovered the issue, I was already out of cash, the bank was closed and all my available funds stuck on this account. To correct the issue, I promptly provide the bank with the requested documentation, to which the reply by email saying the issue will be resolved within a day ; however, is been three days and I'm still unable to use my funds because the bank hasn't care to clear my account and the two times I called, they haven't been able to resolved the issue. 

The last call I was told the will lift the restriction on my account as soon as they can but can not provide me an exact date because they are too busy and this process could take several days ; yet I have an email of them from three days ago saying that it will only take a day and the issue hasn't been resolved. 

as of today, I haven't been unable to access my funds for six consecutive days.

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 2019-09-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I was in XXXX XXXX XXXX XXXX XXXX 2019, with my granddaughter and attempted to pay for a taxi with my credit card from Barclay. The driver could not get the charge to go through and I ultimately paid him with cash as I did for all subsequent cab rides during that trip. Those rides averaged $ 15- {$20.00} each, paid in cash. The credit card company charged me {$180.00} for a single cab expenditure. Barclay asked me to provide them a receipt, which I did not get since I paid cash. Barclay can not provide a signature from me for this charge, since there was no transaction. Barclay has now denied my dispute and I have again appealed to them but have heard nothing and the charge is still on my statement.

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 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Explain what happened! Ref # XXXX is some of what happened but it goes all the way back to my original complaint with the FTC case number XXXX this report will explain it better then I can right this instant. I know one of the cards ends in XXXX with XXXX XXXX XXXX and Wells Fargo Both are and have been being fraudulently used since I started I started them. I believe it may go as far back as XXXX! I hope I am within my rights to file a complaint against two banks together. I reference about 20 at once both foreign and local and nation wide. For now I want to start with a complaint against the miss use of my accounts with XXXX XXXX XXXX and Wells Fargo please and thank you! XXXX XXXX XXXX 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 2019-09-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Case # XXXX Amount {$660.00} Purchase Date : XX/XX/2019 Capital One Card Services One XX/XX/2019, I booked a flight on XXXX XXXX ( Ref : XXXX ) to XXXX. Shortly after, I received a jury duty notice. I contacted XXXX to identify if there was a policy to resolve extenuating circumstances as I was no longer able to receive the service paid for. They notified me they would not refund me nor waive rebooking fees, they would provide no relief, therefore I was out {$660.00} due to their draconian policies. Never in my communication, did I request that they cancel my flight. 
Not long after ( within 2-3 weeks ), I noticed that my flight was completely cancelled with no communication from the airline whatsoever. The flight was no longer in my account nor could it be searched for. For some reason, now not only did I not have my flight that I could not cancel but could rebook, I had nothing. XXXX took it upon themselves to cancel my flight and resell my seat without request from me, providing me no services and no merchandise for the {$660.00} paid. 
I disputed this transaction but as of XX/XX/2019, but Capital One rebilled me as apparently there was an issue with my dispute even though I received nothing in return for my payment to XXXX and they breached their carrier agreement. Capital One states that XXXX XXXX provided proof of their cancellation policy. Once again, however, I never requested a cancellation as at very least I could have done a name change on the ticket or booked it for a future date. I now have no flight on XX/XX/XXXX, nor an ability to rebook. 
I contacted capital one on XX/XX/2019 for assistance and was told that the matter was resolved due to Norwegians response. 
I dispute this charge and request a 100 % refund as XXXX has not provided the service agreed in any shape whatsoever, including the ability to rebook and cancelled my seat without request. No service has been rendered or merchandise provided, and they have breached agreement. Should this charge be held, I will contact the CFPB for relief beyond what has been currently ( or not ) provided. 
Never in writing nor via any form of communication did I ask XXXX to cancel my flight, however, the flight was cancelled without request nor did they correspond with me in any manner to inform me of such. 

I have attached proof that my seat no longer exists including : -original receipt showing booking number -proof there are no bookings on my account -proof that you can not search the XXXX   website for my booking ( it has been deleted )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I'm trying to get a new credit t for the first time in I can't get one and I want to know why

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried twice now to get the bank to credit my account for fraud against me. I have asked for copies of the documents that they used to say that the charges were authorized. I didnt authorize them so who did they give the authority to to authorize use of my account and my card. They sent me a letter that states that they would be willing to send me copies and when I asked them for them they tell me that they can not send them to me.

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