vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2019 I cancelled my auto-pay with US Bank. I did it myself online and just to make sure it was done correctly, I called US Bank customer service to at XXXX. I was assured all future auto-pay was cancelled. Come to find out that US bank still took {$170.00} on XX/XX/2019. I again called US bank 3 times on XX/XX/2019 - asked why they had posted a payment on my account when I no longer have auto-pay and I certainly didn't make any one time payment myself. US Bank submitted a refund request and when I called XX/XX/2019 to inquire about the refund - I were told that the refund was declined due to being over the limit. US Bank explained to me, that the only way I can get my money back is to file a dispute with my bank - I have done so. I am not sure it's a guarantee that I will get my money back. US bank " stole '' {$170.00} from. That money was never authorized to be pulled from my account.I am also filing a police report against US Bank for theft. 

My husband and I are in the process of filing chapter XXXX bankruptcy, so I cancelled auto-pay on all credit cards in my possession. 

XX/XX/2019 @ XXXX XXXX I requested all future auto-pay to be removed. 

XX/XX/2109 2 reference # XXXX ( XXXX @ XXXX XXXX ) and XXXX ( XXXX @ XXXX XXXX  ) I also made a call in between these to timestamps, but call was disconnected. I spoke to a lady named XXXX XX/XX/2019 Called @ XXXX XXXX  ( XXXX ) Called @ XXXX XXXX ( Think his name was XXXX or XXXX ), was so XXXX that I didn't pay attention - both supervisors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed

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 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX  to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this 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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
This debt collection agency Recievables Performance is stating that I owe {$1900.00} on a phone bill. I have never recieved a phone bill from this company and i have never had any verification proof that this debt was mine. I have tried to dispute this online but have had no luck.

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 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
Back in XXXX of XXXX, I filed for the Income Driven Repayment due to the amount of money I made with the job I was able to find, following graduating from College. I was approved for a {$0.00} payment for 1 year with the time-frame going from XXXX of XXXX to XXXX of XXXX. Assuming that everything would be fine with this approval, I went about my life working and doing my best to make ends meet. I went to check on my account in late XXXX of XXXX to see that my loans were delinquent and had been marked as delinquent with my credit bureaus, dropping my credit score significantly. This started the process of going back and forth with XXXX to figure out what had happened and how this could be resolved. On XXXX, I spoke with a representative at XXXX who stated that the issue was XXXX 's mistake using the statement " Our Bad '' to describe what had taken place. Over the past month, I have made numerous phone calls to various individuals at XXXX and have filed for the company to stop reporting negative remarks to my credit and in fact report these as positive. On XXXX, I received a response back from the credit department at XXXX stating that everything that was documented by XXXX was correct and that no actions would be taken to fix my credit issues. I have been working with XXXX XXXX to remove items from my credit report, but each time they have managed to get something removed, XXXX reports another delinquency creating a circle of unending resolution. If I have a current IDR on file with XXXX  that lasts for a year, why is it that they are allowed to continue to report my accounts delinquent. The most frustrating part is that they are saying the account is current on the client website, yet reporting delinquencies to the Federal Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Lowes denied me for a credit card when I should have never been denied. I was looking to get financing for the house I just bought to do my kitchen and there is no way I could get approved for a home and not this credit card.

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 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants is reporting to the credit agencies that I owe {$1200.00} for an account with XXXX. I have never had XXXX, in fact I have been on my wife 's account with XXXX for over 20 years. Either send proof that this is mine, with a signed contract between myself and Diversified Consultants and one between myself and XXXX. I have never had XXXX and I want this to be taken off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX claims I owe the amount of XXXX to XXXX, this policy was supposed to be canceled on the date specified, several months ago, via a phone rep,. It appears that rep did not cancel as per my request and coverage remained. This is not my error and refuse to pay. Please advise CCS to cease collection efforts and remove account from credit file, if reported. I attempted to resolve this directly with CCS, reps referred me to XXXX and or requested payment which they will not see.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Called XXXX XXXX to ask if I would be considered for a VA loan even though they had written off my second lien in prior years due to my inability to continue payments. At that time my commanding officer did send the bank a letter explaining a problem with the facility that was issuing pay. 

Prior to having my credit report pulled I wanted to be sure I had a chance to qualify.XXXX told me it would be based on my current situation I was confidant because my credit score was now XXXX. Irecieved an e-mail 24 hours later requesting w2 bank statements etc. I waited a day called to be sure they received the info and was told by a loan officer that they would never consider me because I defaulted on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received an notice that a collection ( XXXX XXXX and XXXX ) was added to my credit profile with all but not limited to major credit reporting agencies Equifax. After investigating ( calling, asking for correspondence letters, etc. ) I found that the collection added to my credit profile was fraudulent and against the law. I disputed the collection several times with credit bureaus ( Equifax ) and was told that the debt was verified. The collection that's being reported is a civil judgement in the amount of {$2300.00} which is what the XXXX district court has on file. But Equifax has the collection reporting {$3800.00} with said company above. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX laws were passed that prohibit civil judgements to be placed on credit profile with all but not limited to XXXX, Equifax and XXXX unless they include all of the following ... 

Classification codes and original creditor, Full name, date of birth, address, social security number and a monthly full file report. 

Law passed on XX/XX/XXXX also states that, '' the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. 

Upon speaking with a clerk at the XXXX district court in person, I learned that no one ( Equifax or any other 3rd party agencies ) has been to verify any information pertaining to the civil judgement that has been placed on my credit profile. 

Equifax has been reporting wrongful and illegal information ... 

there's no date of birth, no social security number, no address nor name attached to the collection. The dates from the civil judgement and dates reported by Equifax doesn't match. The amount of the civil judgement and amount Equifax and XXXX are reporting doesn't match. 

I have included attachments of the civil judgement and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AFNI Inc . I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: VA

Complaint narrative:
I've been contacting Equifax for a few months now about this disparity on my credit report. Equifax has willfully and knowingly ignored my request to honor my FCRA law rights. I am a victim of identity theft. Someone has taken my identity and opened up several student loans and a couple of credit cards. I should not be held to any responsibility to these accounts as they are all unauthorized. I've initiated disputes and included all the necessary valid documentations as told to present for the bureaus to honor the FCRA 605 ( B ) law. Still, Equifax is the sole credit reporting agency that is being negligent and at fault for my current hardship. It was only suppose to take 4 business days after receipt of receiving my cover identity letter, proof of identity, list of fraud items, personal statement and valid FTC report to block these accounts as fraud. Equifax has yet to fulfill their job stating their investigations are completed. No results for me. 
I look to sue Equifax for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. 

I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also REQUESTING this company to please update the following information of mine : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I became XXXX in XX/XX/XXXX, my income dropped to less than 1/4 of my previous salary, after I exhausted my 401K and retirement benefits before my XXXX benefits were approved. I applied for a home modification loan with my lender Quicken Loans. I started a trial modification in XX/XX/XXXX. At the time, the terms of my loan was : unpaid principal balance : {$110000.00}, the new principal amount : {$80000.00}, with the interest rate going from 4.375 % to 4.75 % for the term of 30 years. The other {$34000.00} was attached to a promissory note, non interest bearing, payable on XX/XX/XXXX or at time of sale or early payoff of original loan which was secured through HUD. The problem that I have with this whole process is that I could not find answers to my concerns of questions regarding this modification and whether I was afforded the best program/solution to meet my needs and allow me to have a successful outcome. I spoke with the HUD housing counselors " XXXX '' on several occasions and received various and conflicting answers/explanations. I was referred to legal aid and other so called help website, all of whom could not offer me any assistance in my area, understanding this loan modification process. I feel that I am at the mercy of Quicken Loan and their network and lawyers and the like, yet I can't find any to work for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I paid my step daughters college tuition for last semester. She was paying me back a portion of the tuition in the amount of {$3000.00}. She transmitted the money to me via PayPal , Inc. GA XXXX # XXXX, XXXX # XXXX on XX/XX/XXXX. I received a notice from PayPal Inc on XX/XX/XXXX stating the transaction was on hold. They requested several documents to verify my identity including my driver 's license, bank statement, among other documents. I provided those documents to PayPal, Inc on XX/XX/XXXX. 

I then received an email stating the transaction was declined. I contacted PayPal via telephone and was told my transaction was flagged as fraud and the money would be held for six months. I asked why it was flagged, and was told they can't tell me and it was done in the back office. I called several more times. I finally got a supervisor and explained the situation. He said the money would be held for six months. He stated the reason for the hold was for possible complaints by the buyer or seller. I explained this isn't a sales transaction. I further asked if my step daughter and I signed a release stating there wasn't any dispute would they let the transaction go through or just refund it to my step daughter. She then could transmit the money via a check. I was told that wasn't a possibility. 

My step daughter also contacted them and was told the money would be held for six months and there was nothing they could do about it. It is clear they don't want to return the money. 

I have reviewed the company on line. There was a class action lawsuit for the same issue of them holding onto people 's money for no justification. The company hold s the money in a corporate account and earn interest off of this money according to the class action lawsuit. Paypal , IncXXXX paid out a tremendous amount on that class action lawsuit. 

I have no additional course of action at this point in time. I have also sent a letter to the CEO of PayPay, Inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a 30 year fixed rate mortgage. I decided to get ahead and start a biweekly payment schedule to make an extra principle only payment annually. According to Wells Fargo 's website : " ... When you split your payments like this, you're making the equivalent of 1 extra monthly payment ... This extra payment is applied directly to your principle balance. '' I started biweekly payments on XX/XX/XXXX and it is now XX/XX/XXXX. Only 1/2 of a monthly payment was applied to principle only on XX/XX/XXXX. There was not another principle only transaction during this period of over 1 year ( 35 1/2 payments ). I any given 12 months only 12 payment are due, or 24 1/2 payments. I made 26 half payments, which is 1 full payment over what I owed. A full principle only payment should have been applied at some point during that year of 26 payments. I am at 35 half payments with only 1/2 payment being applied directly to principle. I contacted Wells Fargo and they responded saying their actions are correct even though it conflicts with information on their website. They said 3 payments have to be made within one month in order to apply a payment to principle only. I don't feel like this practice is fair because on XX/XX/XXXX there was a payment made that could have been applied to principle only and the payments made on XX/XX/XXXX and XX/XX/XXXX would have satisfied the XX/XX/XXXX balance due within the grace period. This arbitrary rule of 3 payments within one month caused me to pay more interest in XXXX than I did in XXXX, which, should be impossible considering I have a fixed rate loan and have never missed a payment.

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