vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 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: CA

Complaint narrative:
Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( COPY OF LETTER SENT TO CAPITAL ONE, MINUS MY IDENTIFYING INFORMATION AS PER YOUR INSTRUCTIONS ) Subject : Continued Erroneous Reporting On Account XXXX XXXX, XXXX To Whom It May Concern : Thank you for your letters to me regarding the above referenced account ; however, I must respectfully bring to your attention that you continue, in fact, to incorrectly report the above referenced account to the credit bureaus in violation of stated law. Accordingly, copies of this letter, have been forwarded to the CFPB, and the AG office for the state of Texas. <P/>Also, if after this letter you still refuse to delete the account from XXXX and XXXX, I will also be unfortunately forced to re-open the bankruptcy and file a case for contempt of action on your part where I will also seek redress and financial remuneration for damages. Since the bankruptcy was filed pro se, I will do it yet aain.
<P/>Case law demonstrates that continuing to negatively report an account on a discharged debt is a violation of the discharge that accompanies a bankruptcy. In the same connection, also changing any notation of the account constitutes a violation as well. <P/>Accordingly, as per federal case XXXX vs. XXXX XXXX Services, negative reporting of the discharged debt constitutes a violation of the permanent injunction of my discharge ( Bankruptcy Case Number XXXX ), and, accordingly, there would be a violation of the FEDERAL COURT ORDER with the continued reporting of the discharged debt.
<P/>
Also, literally ANY changes made to the Capital One Account in terms of anything relating to the account ( i.e. status, account number, included in bankruptcy notation, etc. ), constitutes of a violation of the permanent injunction, subsequent to the filing of the bankruptcy. <P/>Finally, the FTC Letter to XXXX demonstrates that my conclusions are warranted and within the parameters of the law. <P/>Accordingly, in consideration of the violation, a deletion of this account to the credit bureaus is hereby again requested. <P/>Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: AZ

Complaint narrative:
To Whom It  May  Concern ; I received notification through my   XXXX   XXXX   app that an account that was on my credit report was removed. This was on   XXXX   XXXX    2017 w ith the Equifax credit bureau. I waited a few days, called the bureau to request a free, detailed credit report. After reviewing the report, I noticed that the account in question (  XXXX   XXXX   XXXX   XXXX  ) remained on my credit report. I know   XXXX   XXXX    works very closely with the bureaus and they would not send me false information and or updates, as their information comes directly from the bureaus. I am submitting this complaint due to the lack of compliance from Equifax. This is an unfair practice by a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: CA

Complaint narrative:
I have been having trouble issuing any payment to my debt. Every time I have tried to pay off my loan, my payments keep getting reversed. Now, I found out that I was reported delinquent with 120 days  late.This is  completely absurd considering the fact that I have been trying to send payments since last  XXXX . Today, I tried to send another payment and was told  by Navient 's customer service to wait another 2-3 days   to see if it will be processed. My checking account has plenty of funds to pay off those bills so that would n't be a valid reason for why payments are getting reversed. I am contacting you because this issue has gotten out of hands and escalated with the delinquency notice. I have attached a screenshot of the payment history to help you further understand this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IN

Complaint narrative:
DISCOVERCARD IS ALLOWING   XXXX   TO BLOCK  DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am  XXXX   XXXX  due to a   XXXX   XXXX   and was misinformed of how the debt would be paid back. I was in an open chapter  XXXX  bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in  2014  when I was living in  XXXX  and now live at my moms house in  XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a  XXXX  benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is a complaint agains t Ocwen Loan Servicing ; I am sure y ou get many. On the  XXXX  of  XXXX , they sent me an  XXXX  page letter regarding my escrow account. The fine print in the letter stated that they were going to increase my monthly mortgage payment by {$42.00} to cover an increase in taxes which Makes sense since my taxes have increased. My complaint concerns a statement at the bottom of each page which states : " This communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. '' Enclosed in the package was a coupon for me to mail in {$1000.00} to cover the escrow difficiency. I immediately sent in the money and now realize I really owed nothing as the escrow account was cash positive and would be within Federal law ( RESPA ) with the increased mortgage payment of {$42.00}. In short, they solicited {$1000.00} from me at the same time they were notifying me of a mortgage increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have  a JC Penny Plati num Card which is provided by Synchrony Bank. I have recently been approved for a  XXXX   XXXX  card and accepted primarily due to there 0 % APR on balance transfers for 15 months. Upon trying to transfer m y Penny 's balance   to the  XXXX  card unsuccessfully I contacte d Penny 's car dholder services. I was told that Synchrony Bank did not allow their balances to be transferred electronically. Are budget is tight and I feel that it is unfair for them to prevent me from transferring my balance to another bank with a lower interest rate.

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my report

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 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
This company repeatedly calls me at  XXXX  and  XXXX  Alaska standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 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: MA

Complaint narrative:
This is a follow-up to complaint filed with CFPB (  XXXX  ), filed against  Navient. Recap : I 'm trying to pay down my student loan as quickly as possible by paying more than the m inimum each month. I set up monthly autopay but the amount set for each month continuously decreases without notice or permission, even after numerous contact with  Navient and  explicitly telling them not to lower the monthly amount. The last complaint from late  XXXX  about this same issu e. Navient resp onded and provided instructions on how to prevent this. Update : This worked for 2 months and then happened again in  XXXX   XXXX . I have followed up directly wit h Navient to inquire why this is happening again, even when I followed the instructions provided by their representative. Representative was unable to provide an explanation or assurances that this would n't occur again. Once again, Navient is trying  to extract as much money from me by attempting to make my payments last as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX payment applied to the account. Bureau reporting 30 day late in error. Requesting 30 day late to be removed. See bank statement. I have several accounts with Chase and made XX/XX/XXXX payment on XX/XX/XXXX. Supporting documentation attached. Requesting to remove 30 day late for mortgage ending in # XXXX. Bank statement showing payment in the amount of {$620.00} and all other Chase payments were made same date but other Chase mortgages are not reflecting 30 day late. Requesting to remove 30 day late. Chase mortgage ending in # XXXX - monthly payment for the account is {$2000.00} Last mortgage payment made XX/XX/XXXX. I received payoff letter requesting {$770.00} payment. When I tried to pay amount requested Chase web pay and chase auto phone would not accept the payment. I was not aware funds had to be wired resulting to {$770.00} deficiency balance causing my loan to go 30 days past due. Requesting 30 day late payment to be removed from bureau. All bureaus are not reporting same history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capit al one, a credit card company closed my credit card account due to " principal owner have past, present or pending legal action ''. I am   XXXX   a three year    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for between  XXXX . Can a credit card company close my account due to that reason?. On what legal ground can they close my account, I believe I have paid my dues to the society and I am trying to get a fresh start and rebuild of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance
State: IL

Complaint narrative:
I filed a previous complaint  XXXX   XXXX ,  XXXX  about how SNAAC threatened me by saying they were gon na call my commander and have  XXXX  actions against me if i did not restart my allotment after I had the car voluntarily repossessed in  XXXX . I received the company response on  XXXX   XXXX .  Two  months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my  XXXX  rating and if i was receiving stipend from the post  XXXX   XXXX   XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time  SNAAC  has crossed a line with me. I am afraid they are doing this or worse to other veterans.

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: WA

Complaint narrative:
My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
Hello, I am having an issue with Lakeview Loan Servicing , LLC  XXXX .  XXXX   XXXX   XXXX   XXXX , VA  XXXX . I Paid my loan down to under  80  percent and submitted a request to remove PMI through an online portal submission. I did not get a response at all so I called customer service and the representative i spoke with said that I had to submit in writing through the web portal. I explained that I had already done so. She checked and did not see any requests for me. She suggested resubmitting and said that she could not help me. I resubmit, still no email confirmation or anything. I wait a few days and call back. This time the  Rep said that I had to be under 78 percent or they would n't even pay attention to my request. I have been current over the life of my loan and though the documentation is confusing I believe that I should be relieved after 80 percent at my request. Well I went ahead and paid the loan down to below 78 percent and submitted the request again. It has now been another 2 weeks and I still have heard nothing. Three requests and two phone calls over a month and I still have not received a response. I believe that this co mpany is trying to continue charging me PMI illegally.

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 2017-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ceannate
State: NJ

Complaint narrative:
Currently having my wages garnished without due process. Collection agency, FMS did not send any notices prior to sending my employer the " Wage garnishment order ''. When calling FMS to verify, they told me the notices were sent to an address I lived at ten years ago! The company requested information ( which I faxed, with proof  ) t o verify my demographic info : Lease, driver 's license, proof of mail, bill statements, etc. Only for them to say, " they did not get the fax '', a month later. Called to request the debt validation information as well as my 30 day notice of wage garnishment from FMS. Spoke with "  XXXX   XXXX  '' of FMS who refused to send me copies of those letters. He refused and was no help. Stating that the demographic information was given by the  Dept of Education . Then I called the department of education who claimed they 've been sending letters to the old address as well! My address has always been updated. Even if they 've managed to find my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: MD

Complaint narrative:
Hello CFPB, I 'm writing today to report issues with   XXXX   accounts negatively reporting on my transunion and  XXXX  credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company  's I s ubmitted investigation request to were    XXXX    and Transunion.     For accounts being reported by  XXXX   XXXX   XXXX  and   XXXX   XXXX   XXXX .      The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I hav e 11 miss ed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.

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 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX   XXXX   XXXX   XXXX    sent a Legal Order to Bank of America requesting funds from my c hecking account. Bank of America processed the order, sending the funds from my account to Massachusetts, without informing me. Bank of America also charged my checking account a {$120.00} " processing '' fee for processing th e Legal Order fro m the state. I called Bank of America on  XXXX   XXXX , the day after th e Legal Order char ge and Fee were deducted, to ask about the unfamiliar transaction. Bank of America told me that even if they were sent the  Legal Order i n error by th e    XXXX   XXXX   XXXX  , the {$120.00} fee was " non-refundable '' and my only method of recourse would be to ask the state to give me {$120.00}. Bank of America charged me this fee for a servic e I neither req uested nor was informed about prior to their processing.

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 2017-05-11 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: NJ

Complaint narrative:
I submitted advanced payments to navient and was never credited.

Company response to consumer: Closed with explanation