vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: DC

Complaint narrative:
Every 3 to 4 days the company calls and leaves a voice message. Every time I've answered they give vague details on what the debt is about. I've asked them to stop calling and they continue to call. I've paid a premium service to block the number and show as disconnected. As you as I turn off the premium service, the calls start again.

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 2020-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
There is an account on my report that opened without my authorization of knowledge about 5 years ago, I only found out when recently applying for a credit card that this account, showing and unpaid balance o XXXX with 37 charge offs, was the reason why I as turned down, I have always paid my bills on time, and was totally shocked to see this account with so many charge offs and how much it was hurting my score. I spoke to wells fargo several times asking for documentation regarding this loan which they never provide me, The last phone call, they even offered to remove the amount owed so it shows XXXX balance but leave all the charge offs. I did not accept

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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. When I attempt to login to Cavalry 's website and see what this is about I get an error message saying I need to contact another company. Meaning Cavalry no longer has control of the alleged debt : yet it is still reporting. I have received no communication from the other place which is alarming to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I received a letter on XX/XX/20 from Aragon referencing a debt I do not own. 
I have not been to a doctor nor hospital in over 10 years.

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 2020-05-19 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I submitted a complaint last night against the same company, but submitted the wrong attachments. Attached will be the correct documents. Santander failed to correct the inaccuracies I found on my 3-bureau credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been disputing with equifax for months now and have sent in requested information for incorrect items on my credit report they have yet to verify the accounts and send me proof of verification for XXXX, XXXX, and XXXX XXXX. I need to have these incorrect items removed from my account and I am willing to take further actions. Everytime I write equifax they send the same generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX  CASE # : XXXX for reference *** We are waiting for the business to respond. 
PayPal said in an email they could not accept a XXXX  complaint, but could accept a formal complaint from the CFPB. 


Complaint filed by : XXXX XXXX ( More ) Complaint filed against : PayPal , Inc. ( More ) Complaint status : Activity Date Activity Description XX/XX/2020 Notify Business of Dispute - XXXX  XXXX XX/XX/2020 Send Acknowledgement to Consumer XX/XX/2020 Case Reviewed by XXXX  - XXXX  XXXX XX/XX/2020 More info received from the consumer ***Document Attached*** Pictures of invoice and product promised plus picture of the VERY SMALL Plastic package that arrived with 2 small rolls only. It could not handle having 2 packages of 32 FAMILY size rolls equivalent to 112 regular rolls times 2. 

XX/XX/2020 Case Received by XXXX ( Less ) Case Description : I ordered two 32 rolls FAMILY size times 2 each equivalent to 112 rolls per the picture on the website ... ( More ) XXXX  Designated Category : Billing or Collection Issues Case opened date : XX/XX/2020 Case closed date : Desired Resolution : Refund MUST be made back to the XXXX account that was charged XXXX for the full amount of {$30.00}. FULL ... ( More )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I bought a house last XXXX and was told by my loan officer to pay a down payment of 19.9 percent to get a lower interest rate. He said that I would only pay PMI for a couple of months and the PMI payments would drop. 10 months later, I am still paying PMI and now my loan officer is saying that I signed an agreement to pay this for another year. He said that I was supposed to call one month after my first payment to take out the PMI payments. I have his emails stating that the PMI will come off and that I just need to wait a little more. I have paid over 600 dollars in PMI payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SLM CORPORATION
State: TN

Complaint narrative:
I was informed on XX/XX/2020 via email that my account was placed in a frozen status based on suspicious activity. The letter stated to contact them as soon as possible to resolve the issue. I called on XX/XX/XXXX and was told by XXXX I needed to submit by postal mail a color copy of my ID and 3 bank statements OR pay the balance due to unfreeze the account. I asked what led to this - were their suspicious charges? The response was " can not explain suspicious activity or confirm there even is any ''. 

I had already reviewed the charges posted to the account and they were all legit. 

I sent the requested info by postal mail and continued to pay the balance in full by due date. 

The next statement arrived and found the rewards feature of the account had also been frozen. 

I called to follow-up on XX/XX/2020 and was told by XXXX they had not received the requested documents - to call back in a week or so. 

I called to follow-up on XX/XX/202 and was told by XXXX they have not received the requested documents and someone would call me when they arrived. 

I called to follow up on XX/XX/2020 and was told by XXXX she could not confirm whether the requested documents had arrived or not. I told her that I had since paid the balance in full - could they unfreeze the account? She said no - I must submit the requested documents AND pay the balance in full. This was a change from what I was originally told. 

I am left to wonder - if they can not provide any info on the alleged suspicious activity - had my identity been compromised? Or some other suspicious activity in my name occurring? Am I the one they are suspicious of? It seems very unreasonable to take this action and refuse to provide any additional info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My wife and I had multiple accounts opened up at Wells Fargo Bank fraudulently in early May. I looks like a total of 5 accounts. 

We have tried numerous times to get the accounts closed and to try to understand what happened. We have had to endure incorrect information, multiple telephone calls to different departments and have yet to get clean closure in writing for our satisfaction. 

We are very concerned that a bank can open up a checking account without proper verification and believe that Wells Fargo needs to change their account opening procedures. 

We are very concerned that our compromised information will be further misused and want to get more information about how this happened. We have purchased a monitoring service on our credit and identity and while we have not seen any money disappear we are looking for answers to try to fix this. We are in new territory and thought that Wells Fargo would help us out but they were more of an impediment than help when I believe that their faulty procedures contributed to this problem.

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 2020-05-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My account was hacked through the Navy Federal associated XXXX account on XX/XX/2020, the hacker attached an email & transferred {$980.00} from my checking account to his email, I gave them the hacker email address. I called bank same day and was told not to stop transaction ( I had ability to stop payment with their XXXX account ) I was told to let payment post & on 2nd call, I was told the payment was stopped, I later found it it wasn't. Navy Federal said because my device was hacked and that's how the transaction happened their not responsible but I could've stopped the payment twice but their agent told me not to & 2nd agent said it was stopped. Please assist me with getting my {$980.00} back because of Electronic Transfer Funds Act & the Bank 's incompetence, telling me not to stop payment. Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Caliber Home Loans, Inc failed to acknowledge that my obligation to this property was satisfied and completed on XX/XX/XXXX through the Bankruptcy which remedied all outstanding obligations. The court document- Motion to Value and Determine Secured Status of Lien on Real Property was agreed by both parties in XX/XX/XXXX without objection to a new value of $ XXXX not the value Caliber reported to the credit bureaus- {$64000.00}. The new value/debt of $ {$38000.00} was successfully paid upon completion of the plan which is demonstrated by the attachments. As a result of Caliber reporting non payments- my credit score dropped approx 42 points and my credit card closed by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have  identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-19 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My student loan through Wells Fargo went into default without the company providing notice. I spoke with them about a loan modification in XX/XX/2019 and the person did not mention anything about a default. Around XX/XX/2019, the loan no longer appeared on my online portal. I spoke with Wells Fargo after that, and they said they sent notices but the postal service said I never answered the door. I know that is false because I work from home. Wells Fargo refused to reverse the default.

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 2020-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One reports to the credit bureaus once per month. I've had my card since 2014 the reporting has always been 3-5 days after the close of my statement which is the XXXX of the month. Before the end of my statement, I always pay my balance in full to {$0.00} and that is what is usually reported to the credit bureaus. In XXXX as usual my balance was reported as {$0.00} after my XX/XX/XXXX statement date. I made a charge of {$160.00} on XX/XX/XXXX which would be included on my new statement which would end on XX/XX/XXXX. Well Capital One reported that {$160.00} charge as the balance on my account on XX/XX/XXXX to the credit bureaus well before my statement date. I called them when I saw my utilization for that card had jumped from 0 % to 82 % this lowering my credit score. On XX/XX/XXXX I was told by a supervisor that it was a mistake on their part and they would issue a mid-cycle update to the credit bureaus which should take a " few '' days to update. I asked again to clarify and was told it shouldn't take more than 3 or so days. After 4 days went by I called again and the supervisor I got that time said they didn't see any record of the conversation or notes that they were going to submit that mid-cycle update as I claimed. Obviously I got frustrated but she went in the system and came back and said she did the research and indeed saw the request was submitted. So today I called which is 10 days after my initial phone call to ask why they haven't sent anything to the credit bureaus yet and they agent I got went to a supervisor and they told me it could take 40 days to complete the process!! So now I am taken aback. What is the point of submitting a mid-cycle update for an internal mistake if it's going to take 40 days to update. By then the new cycle would have passed twice and the balance is already paid anyway so this is not helping me at all! I was given misinformation and Capital One is refusing to promptly fix an error they made. I know enough about credit reporting to know once they submit an update the credit report will change almost right away so this fix is as simple as Capital One sending the update but they are refusing to do so. It certainly didn't take them 40 days to submit a balance that shouldn't have been submitted but it takes 40 days to correct that mistake? Doesn't make sense to me and I feel nobody there is trying to help me. I would like my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
I received a bill in the mail from this company on XX/XX/03 stating that I owed a dental bill. Before I could call them, they placed it on my credit report, which is illegal. I have 30 days to dispute the bill, which I am disputing the bill but this should not be on my credit report. Also according to FDCPA, section 15 USC 1692g, it is unlawful to place debts on credit reports withhin 30 days of contacting the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
My Amex Serve account was suspended for no reason after receiving 2 deposits via unemployment benefits from my state. I called and they gave me no reason. I am not able to access my account or funds on my account. I have had this account for over 4 years and have never had any issues. My account received one deposit for XXXX then another for XXXX. Then my account locked and I received an email stating my account was suspended. Called several times and spoke to 2 different ppl and they would not help. I want my money off my account and to no longer do business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC would not allow me to initiate an ACH from XXXX to withdraw funds from my personal checking account, and it will not let me use my PNC debit card for that either ... given that I can not make international wire transfers from my personal account online, they are blocking every way I have to transfer money outside the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I discussed having my name taken off my grandaughter 's student loan. The full amount of her two loans was {$21000.00}. I was told that if I paid {$5400.00}, my name would be removed from the loans. This was the latest offer as of XX/XX/XXXX. 
I then asked if that would leave the balance of the loans at the difference of the two amounts and was told : no, the full amount of {$21000.00} would still be owed by my grandaughter. She would be responsible for the full amount even though I had paid the {$5400.00}. 
There is something definitely wrong here. I had been having {$110.00} per month automatically deducted from my checking account for years, but have put a stop payment to Navient for that amount which is effective until XX/XX/XXXX. 
The above offer was only available until XX/XX/XXXX. 
I may be wrong but I think this is fraud. If I made the smaller payment, only the balance of the loan should be due, not the full amount. 
They also continue to call via automated phone calls after XXXX XXXX very frequently. 
I have been dealing with them for some time now and find them arrogant, rude and totally annoying. You are shifted to several different people in the course of a conversation with them. It is very upsetting and aggravating. I do not like this company at all.

Company response to consumer: Closed with explanation