vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I received an alert from credit monitoring service that a loan with my credentials had been applied for at Cashnetusa.com. I called them as soon as they opened to inform them I did not apply for this loan. I contacted all credit bureaus to freeze my credit and add a fraud alert. I have filed a police report with my local police department. 

When I called the next day they refused to do anything until they receive a written police report. I asked them to cancel the loan, they refused to do anything until they receive a written police report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In early XX/XX/XXXX, A payment of {$1000.00} was to be applied to P & I for the XX/XX/XXXX bill. 
..includes extra to pay toward Principle. 

BUT - they applied it entirely to principle.. and want a 2nd payment for the XX/XX/XXXX bill. 
Now there is a late charge since I refuse to give two payments in 1 month. 

They have emails and a phone call to correct this. 

On phone call ( XX/XX/XXXX ) the customer service rep said that they have no way of knowing what a payment should be applied to and that she was not authorized to correct it. 

( What? You're a lender? And you don't know how to allocate payments as they come in? ) All payments are made on time and always have extra money for principle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for the Capital One Spark Miles Business credit card for my business purchases during the XXXX XXXX week. I received the card on Monday XX/XX/2018. I called to activate the card and uploaded my driver license as requested. I called again and was told they will hold my card several days before I can use it! I've never met any credit card company doing this. Capital One is crazy. I have provided everything they need. But they still won't allow me to use the card until after the shopping season?! I heard a lot of bad words about Capital One before. Now I learned it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a lawful power of attorney through my son and XXXX, XXXX XXXX XXXX XXXX. The credit card company is refusing to allow my son to access my account and has insisted that I provide a power of attorney that it has approved. As an XXXX, my son has confirmed that the power of attorney is valid under the California Probate Code, Sections 4000 through 4545. It is unclear American Express has asserted that the power of attorney is not valid. A legal basis or explanation, showing what part of the Probate Code that the Power of Attorney does not comply with would be appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: IN

Complaint narrative:
Navient collection agency has been sending extremely important emails to an out dated email adress that I had removed from my account back in XX/XX/XXXX. I had just gotten my student loans out of default. It was then transferred over to Navient. I updated all my contact information including email, address, and phone number. It was then I was told that there was a grace period while they figured out how much my monthly payments would be. Well XX/XX/XXXX comes around and I still hadn't gotten any form of communication from them. I try to login to their website and naturally forget my information so I recover it and receive emails on my updated email address. When I get on it turns out I'm 4 months behind and have had payments due since XX/XX/XXXX. I was shocked and confused so I log on to my old email address, I don't use anymore, and sure enough they'd been sending all the payment due emails to that even though that email isnt even on my account anymore. Still as of today, XX/XX/18, they are sending all of the important emails to that account. I've been working really hard to get my finances under control and get my credit score up and feel like this is a sneaky tactic to try and keep me in debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: FL

Complaint narrative:
This is going back several years when I opened this account. I never knew the effect this has had on my credit until my new employer brought this up to me. I opened up a new checking account several years ago and they issues me a temp debt card. I had been using the card until my new card came in the mail along with my new checks. I noticed that my last name was wrong on my checks and my card. I went into the branch to address this situation with the girl that opened my account. However she was no longer with the branch. I explained to the teller what happened however she wouldn't look into the acct because the name on my license didn't match the checks or card : ( It shows on the credit report that there is a {$610.00} balance. Not sure how this is possible with a debt card. 

I FILED A POLICE REPORT PER MY NEW EMPLOYER The account # that shows on credit is XXXX PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has been terrible about providing accurate and timely information. Neither myself or the cosigners are ever notified of status changes of the loans or payment changes, therefore late fees incur alongside other unnecessary fees. Customer service is often not helpful and provides varying information between the cosigners and myself when contacted. I honestly feel that I know nothing about my loan because of the lack of information provided. I don't get mail from Navient and seldom receive emails. I do not even receive confirmation when I call to address errors or issues. I feel that I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I was never contacted about this debt, I didnt receive a phone call, letter, or anything regarding this debt. It is now reporting on my credit repor. I would like an opportunity to review the debt and pay it immediately if so without it damaging my credit since there was no knowledge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Please refer to CFPB Case # XXXX. In the third paragraph of the letter dated XX/XX/18 which a copy was provided to you XX/XX/18, the funds went to XXXX. I specifically entered XXXX. The area code listed by Wells Fargo is incorrect. At this point I would like for Wells Fargo to refund the {$200.00} listed in the letter to my account. Thank you.

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
Last XXXX XXXX was hit by a hurricane and Capital one said they would waive any late fee 's or any late payments. I was just notified two weeks ago that they have reported to all three credit agencies that I was late over a 150 days,. This has ruined my credit and I want them to change this to not being late Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
DITECH is the absolute worst mortgage company to deal with. They have been holding our insurance check since XXXX and still have yet to release our funds to us so we can begin repairs on our property. We have called them every single day to check on the status of our check and they have noted our calls and that all of our paperwork was processed. Today our check is supposed to be released and sent overnight. When my husband called to make sure of this they tried to inform him that there was documentation missing from the file. At this point, DITECH is playing games with us. We get a different rep every single time we call in and the operator gives you very basic information. It is so frustrating dealing with this company. The amount of the check is more than the value we owe on the property. It is our money. It is for us to begin repairs. It is not a difficult case and a few documents that were needed have been given to DITECH back on XX/XX/XXXX. They keep pushing us days later and saying they are behind schedule because of hurricane claims. I should also mention that DITECH was not even our mortgage company when the accident occurred. We have been running around and dealing with a dozen other things in order to get this process started and yet DITECH who is handling our claim has NEVER REACHED OUT TO US! We always had to call into their call center and try to figure out what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: NC

Complaint narrative:
On or about XX/XX/2016 I went to the hospital ER and was treated and released. XXXX paid the bill in full. A month or so later I received a bill from XXXX XXXX XXXX XXXX for {$810.00}. I called XXXX and asked about the bill, They said not to worry that it was taken care of. They had an agreement with the hospital & doctors where they agreed on how much could be charged and how much they would pay, and they were trying to balance bill me. XXXX said they would call them. Another month or so I got another bill, so I called XXXX back. Someone dropped the ball and didn't make the call, this time they did call. I got another bill, I called XXXX back on XX/XX/2016 and while I was on the phone they called XXXX XXXX XXXX XXXX, and got this billing stopped. What I didn't know at the time was about two days before this they had sent the bill to a collection agency. Now it goes from one collection agency to another. Each time I have to send them proof where the bill was paid. And each time they put derogatory remarks on my credit report. I thought I had gotten this stopped but after two and a half years, it's still going on. It gets sold from one agency to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! 

LOAN # 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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: FL

Complaint narrative:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made an international wire transfer from my bank account with citi bank to XXXX. two days later I was informed that the funds was returned by the bank and that I will need to do buy back and then the funds will be returned to my account in three business days. Its been a month and two weeks since then I have not received my funds. I have called Citi bank and even went into my branch and repeatedly having to explain my self to every new person I talk! they give conflecting information. at one piont I was told my fund will be returned the following day after speaking to a bank manager, but that again was two weeks ago. I dont know what is going on or what they are doing with my funds.

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 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: ME

Complaint narrative:
The phone number on Net Spend XXXX does not work, the website will not allow me to talk or email anyone, only XXXX bucks but I cant use the card for travel as expected and now I cant contact a human or an email. This is ridiculous and wrong for a company to do to XXXX older Americans just trying to get by.

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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. 

For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX  then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.

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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is 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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
There are 2 hard inquiries which I dont recognize & hence needs to be removed immediately

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OnXX/XX/XXXX, I contacted the Operation Mgr.for B of A and informed him I didn't receive a statement for my checking acct. I was provided a statement and discovered approximately XXXX on-line withdrawl transactions in the amt. of {$10000.00}. I spoke with a employee from the B of A fraud Department. On XXXX, I returned to B of A informing the same Operation Mgr. I did not receive a XX/XX/XXXX checking acct. statement. The unauthorized online withdrawls were reviewed a second time with the Fraud Department. I had been previously informed by the Operation Mgr.the first time freezing the acct. would not allow for any transaction withhdrawls online. He did not inform me electronic transactions would not occur. Beginning on/or about XXXX, B of A Dispute Resolutions sent letters for each transaction indicating the case had been reviewed and was closed for the following reason : " transaction name and customer name match, '' unless I was able to provide new information. 
I previously reported my account had been compromised. I have never had an online banking account and told the Manager and Operation Manager. Even though the names transaction and customer match, it was not the result of my use with my email address. It was fraud.

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 2018-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I quit my job with XXXX, my 401k is through Wells Fargo. On XX/XX/2018, I called customer service and asked for my distribution of my 401k. On XX/XX/2018 they supposedly mailed out my check. On XX/XX/2018 I called back and they said they mailed the check to the incorrect address, which is impossible because my address never changed. Supposedly it would take another 10 business days to arrive. I called again on XX/XX/2018. They keep apologizing, but I have yet to receive my check. I reported my situation to the board of directors for Wells Fargo, the federal reserve and whomever else possible. My information got forwarded to the cfpb who in return sent my information to wells Fargo. Wells Fargo responded on XX/XX/XXXX with a pdf letter which I never received in the mail which was dated XX/XX/18. It is now XX/XX/18 and I still have not received my check for XXXX. I have lost out on an excellent job offer because I was going to use this money to move. Now I am homeless and living in my car. All I want is for Wells Fargo to either deposit my money into my bank or mail me my check. I never had these problems with 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