vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: UT

Complaint narrative:
Week of XX/XX/XXXX, contacted at work. Asked them not to call my job. 
Week of XX/XX/XXXX, again contacted at work. Told them I have already asked them not to call at work, gave them my cell number to contact after business hours. 
XX/XX/XXXX, contacted by cell at XXXX Again at XXXX Right again after at XXXX And again at XXXX, at which point I answered and told them I couldnt answer at work or Id get in trouble. 
XXXX said shes already tried that and if I dont talk to her they will send my documents to my job for garnishment. I told her I couldnt talk at work or I wouldnt have a check to garnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
An attorney named XXXX XXXX XXXX took XXXX $ cash money from me and XXXX $ from my mother - she has my original deeds, documents and more and refuses to give them back. XXXX has not given me proper legal representation which has resulted in a myriad of legal and financial and family problems- I have been taken advantage of and my ex husband as well as the city of XXXX Ky stand to gain a huge amount of money from me by fraud. The mortgage company XXXX - DBA Mr Cooper has tried to foreclose more approx 4 times. Im positive the mortgage has been satisfied and there is money due me from equity paid in - I believe it is in the title companies name and I want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NV

Complaint narrative:
Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company Monterey Collection SVC XXXX XXXX XXXX XXXX CA. I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I applied for a debt consolidation loan today, XX/XX/XXXX, and Experian has reported that I have a serious delinquency on my credit report. I have seen this shown on my credit reports before and I am unaware of any delinquencies as I have been making payments on time for 10 years. I want to know what delinquency it is referring to and get it cleared from my credit report. I had one delinquency in XXXX with the Veteran 's Affairs that was cleared almost immediately and I was wondering if this is the source of my current " serious delinquency ''.

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 2019-05-28 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REINVESTIGATE THE DISPUTED ACCOUNTS AND HAVE IT REMOVED OFF MY CREDIT REPORT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had one and only one item on my credit report which was already taken care of. My score should have improved. But SyncB inquired on my credit without me knowing and because of them my score dropped from the 520s straight to XXXX! Please help me put a stop to these idiots as I am definitely NOT THE FIRST person who's credit score they've ruined with their sneaky XXXX. Please help me. 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 2019-05-28 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: TX

Complaint narrative:
I have tried since XX/XX/2017 to have XXXX, Equifax & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
We were informed by SPS that they have 30 days for the short sale decision. On XX/XX/2019 marked the 30th day so we called to follow up and they said that they still need some documents from the investor to complete the short sale review. This is not acceptable. We have waited for months not just 30 days after they ran around with the file. 

Now, that the 30 days lapse they will tell us another reason. This lender is worst of all lenders. We have been very kind and patient all throughout but to wait for months is not acceptable for all parties involve who invested their time and money. 

We would like for SPS to approve the short sale ASAP and get this done. CFPB has the right to call out their wrong doings. This is unfair to all their clients. The time spent for the review is outrageous. 

We hope you can help us on this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Been a member of XXXX XXXX XXXX XXXX for over five years. Notified company my employment came to an end on XX/XX/2019. Company made contact regarding no hassle loan and overdraft on account. Made company aware in the process of fighting employment and unemployment. Company said they will work with me and promise no collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am closing on a house and was informed I needed to unfreeze my Equifax Credit Report ( I had not placed any sort of freeze on that report, nor have I interacted with Equifax Prior to this. ). Earlier this month I downloaded the " Freeze Request Form '' from the Equifax website and mailed all necessary documents and information to their mailing address in XXXX XXXX Texas. To expedite the process I had those documents priority mailed on XX/XX/XXXX. Those documents arrived to the mailing address on XX/XX/XXXX and were signed for. 

That however, did not resolve the issue and I contacted Equifax. Equifax instructed me to fax them a copy of my driver 's license, social security card, and birth certificate to verify my identity. Those documents were faxed on XX/XX/XXXX. I immediately called Equifax informing them that I had faxed all the pertinent information. I was told they would be processed in 3 to 5 business days. I contacted Equifax each day I could to find out if my documents had been processed. I was told to check back on Tuesday XX/XX/XXXX as that would be the latest they would be processed. On XXXX I contacted Equifax and was told my documents had not been received. The agent informed me that she would work to expedite the process and told me to give them a few days and call back on Friday XX/XX/XXXX. The agent provided me a number to call on XXXX and their name. 

On XXXX I attempted to contact Equifax with the number I had received from the agent on XXXX. The number directed to an automated line to a completely different department and when I finally spoke with an agent I requested the agent I received the number from. I was told that I could not be connected with that agent. Going into XXXX XXXX Weekend I had to wait until today, XX/XX/XXXX, to contact Equifax and did so with my lender present. 

After multiple calls to Equifax I was told, for the first time, by an agent that they had no credit file for me. I was told to contact my creditors to ensure that my information was being reported to Equifax. I then contacted all of my creditors and was assured that my information was being reported to all three credit bureaus. I have had established credit since XXXX. My lender has had no issue pulling my credit reports from XXXX and XXXX. After contacting Equifax again I was provided no assistance in figuring out what needed to be done next. Nor could I be told why Equifax has no record of me in their system when I have had my lines of credit for nearly four years. 

This issue could be detrimental to my ability to close on this house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: FL

Complaint narrative:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE UPDATE YOUR CREDIT REPORTING FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My bank that I have an account with is telling me there's something going on with my Social security number.

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 2019-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
BBVA is holding my money hostage. I opened up a Money Market with a {$100000.00} transfer of funds from a XXXX XXXX XXXX savings account. Nowhere in the account opening process did BBVA indicate that there would be any limitations on withdrawing or transferring the money out of the account. I've read and re-read the account disclosures, and there is no mention of limits on withdrawals or account transfers. 

For the last five days, I've been trying to transfer much of that money back to my XXXX XXXX XXXX via ACH, Wire Transfer, Bill Pay, or a Cashiers Check. In the last few weeks, my wife and I have decided to purchase a new home, and we need {$90000.00} of that {$100000.00} as a deposit on the home. 

Now BBVA says that there is no way for us to get the money OUT OF OUR OWN MONEY MARKET OR CHECKING ACCOUNTS. Except for a {$5000.00} transfer, which is both a daily and monthly limit. At this pace, it will be XX/XX/2020 before we can get the money we need for the new home, which of course is well beyond the closing date and causes us great financial harm and damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Will not refund late fee and they run a program and they have not limits yet they state XXXX XXXX doesnt qualify. We have had several phone calls blocking any assistance at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a credit card with Macys. They started mailing statements to my old address. I contacted them to update the address but still did not receive them. They continued to send statements to wrong address and I didn't know a payment was due for many months. They left the account open and it has ruined my credit history. I did not even know I had a credit card with Macy 's and they never contacted me. I have attached a picture of the payment history from Macy 's.

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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried since XX/XX/2017 to have XXXX, XXXX & Transunion correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

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 2019-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried since XX/XX/2017 to have Experian, XXXX & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

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 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
My husband chose not to renew his subscription with the magazine XXXX XXXX   because he was going to start an online subscription instead. 

He has subscribed to that magazine for over a decade. 

So now we got a letter today from North Shore Agency, stating that they have put us into collections with them, a collections agency, for {$29.00} that we do not owe XXXX XXXX, b/c as far as I know, no one in this house agreed to subscribe to your magazine until the end of time. 

A simple XXXX search will turn up multiple complaints about this collection agency targeting people with fake collections letters for not renewing their magazine subscriptions. 

This is a deceptive practice, targeting people and trying to scare them, and it should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is about Wells Fargo Bank. 

I opened a New Saving account and the first interest paid is NOT correct. I contacted the bank over 5 times and spent OVER 6 hours starting with regular support then sent to the Executive Office to correct this problem and credit me the additional interest. Not one person knows how to calculate interest manually or actually say how many days interest I was owed. I am an XXXX-XXXX and was the head of different departments so I know how to calculate interest on accounts ( DRF ). Time after time I tried to explain the process but no one, not even the Executive Office, would listen. They wouldn't even let me know what they was entering into their computer to even check the calculations. They kept putting me on hold and supposedly asking someone else for help. They even put me on hold and NEVER came back to the phone even though I asked them to call me back of we got disconnected. I always asked if my call was being recorded because I wanted a record of ALL of my calls. The always said yes. One Executive Office person even said interest does NOT start earning until the next day. Now that is DEFINITELY WRONG. The last person I talked to in the Executive Office said I was NOT getting the additional interest because they paid me the correct amount. I asked her how they calculated it and she would NOT explain it to me because she didn't even know how since it was all computerized. I even XXXX and did XXXX XXXX of new products when I was a XXXX  to be sure EVER aspect was correct. Wells Fargo has to be doing this to EVER NEW account with new money and that has to be MILLIONS of dollars in interest NOT being paid to new customer depositing NEW MONEY and maybe existing funds. My few dollars is owed to me but my concerns is that thousands of customer are, I am sure, being shorted interest.

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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XX/XX/2019 submitted online request for security freeze/credit freeze on Experian and was denied. 
XX/XX/2019 submitted telephone request for freeze/credit freeze on Experian and was denied. 
Researched and found many complaints exactly the same from others trying to freeze at Experian. 

Need Experian to place security freeze/credit freeze either over phone or online

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 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: NY

Complaint narrative:
I forgot to mention the financial person.left me and took my lease paper work. ..which.showed.the amount of the car. I believe he told the bank the real amount of the car. So he can get a commission. Because when I seen him he said this car is XXXX.so that might.be the mole he is the financial person in XXXX mall on XXXX XXXX.I believe he is the thief. But US bank should know and the people in XXXX this car was leased already. U can not sell it for the same price like I just came too buy it. .so there is something going on. And I really hope something is done. I'm not the only one. 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 2019-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I have two loans with Firstmark Services. For years I have paid the two loans separately, as one has a small balance and the other is more than XXXX times that balance. 

On XX/XX/19, I paid {$200.00} to one of the loans ( the 'intended '' loan ). Instead of applying it to that loan, they applied a portion to that loan and another portion to the other loan. This caused the intended loan to appear delinquent. The smaller loan is always paid 1 payment ahead and neither loan was delinquent at the time of the payment. 

I had to email the company multiple times and I had to call them. The person on the phone said that they saw in their system that their were instructions to apply the payment specifically to the larger ( intended ) loan, but that the payment was not applied correctly. 

The person advised they would attempt to have it corrected. The daily interest on this loan is {$11.00}. To date, this error has cost me {$130.00} ( 11 days of interest ). Additionally, I had to make another payment so that this loan would not appear delinquent. I suspect that the company will also incorrectly report me to the credit bureaus. I will file complaints with those bureaus as well. 

Assuming they correct my loans, had I not been watching them like a hawk, they would have taken hundreds of dollars from me and ruined my credit. I know your organization faces obstacles in watching student loan servicers, but it is essential to have someone on the side of the consumer against these large, callous, greedy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I found a listing on XXXX for a XXXX XXXX. I contacted the seller and was asked to pay through XXXX. I agreed after receiving an invoice to send the payment through XXXX. I sent the {$200.00} dollars and shortly after was blocked on XXXX and the phone number I was given to communicate with. That same phone number was used to send the money through XXXX along with multiple emails and accounts.

Company response to consumer: Closed with explanation