vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, On all of my credit reports my creditors are reporting my actual payments. I have gone there for 1.5 yrs begging them to audit my acct. I have a truck loan their and it is a open ended loan. My Payments have gone from XXXX a month to XXXX and I stopped making my payments because I had been trying to buid my credit and it wasn't going Up. They have had bounty hunters call and harass me. They threatened to put warrents out for my arrest. Mocking my name. I disputed them with XXXX XXXX XXXX. They asked for documentation for the proof of my payments and they couldn't or wouldn't provide any. All three bureaus removed them from my credit report. I went to traded in the vehicle and I have a car with XXXX XXXX me to credit union as well. XXXX XXXX XXXX kept canceling and reinstating my policy and the craving is new about it before I did. They forced CPI insurance of {$4000.00} a piece making the vehicles close to XXXX to XXXX upside down. I want to XXXX XXXX in XXXX Texas and found a truck that had a net positive equity to eat at the negative equity that they placed on it. I asked him to finance it traded into vehicles only having one payment neither one with finace. I got three or four letters from lenders telling me that if I wanted to know why I was turned down to write them so I did. Their answer was XXXX for did not complete my application process. I had left XXXX XXXX XXXX going to XXXX XXXX XXXX XXXX XXXX last year I was going about twice a week for an entire year back-and-forth. The finance lady XXXX upstairs bedroom credit union called me and I told her that I was to be trading in those vehicles not giving them back and leaving XXXX XXXX XXXX XXXX XXXX I had to stop for gas. Are used my doubts credit Union debit card and it was declined. I called them and said why is the declined I have many in there she said that they had taken all the money out of my account and apply it towards the truck. I said I'm at a gas station with no gas she said let me ask my supervisor if I can pay {$25.00} back on your card so you can get gas. She came back and said that it had been approved but they had to cancel my debit card so there was no gas and I was approved. I have an attorney and we serve them in XXXX a few days later with a freeze on Equifax and fraud alerts other bureaus my alerts said that XXXX got a crazy exes my credit report and when XXXX  had to verify my identity. My address was their address XXXX XXXX XXXX, XXXX, TX with my new address and I did my home for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been in forbearance since XX/XX/2017. I was applying for the income based payment program. The monthly payment was {$890.00}. I could not afford to make that payment on a monthly basis. I am the only one in the house that works. My wife lost her job last year in XX/XX/2017. So I was looking for alternatives that could reduce my monthly payments, at least until she finds a job. 

In late XX/XX/2017, NAVIENT had considered my student loan 90 days late and reported to the credit bureau. How can you be in forbearance and expected to make a loan payment of {$890.00}? This inaccurate information destroyed my credit. I would have not left the loan unattended at all. I have been in constant contact with NAVIENT regarding my loan. NAVIENT agreed to grant me a forbearance and then reported that the loan was 90 days late.Even though the NAVIENT website shows that the loan is current and up to date, it is still marked late on the credit report. So I expect them to honor the agreement rectify the error EFFECTIVE IMMEDIATELY! By removing the 90 days late status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
purchased a tread mill online through XXXX on XX/XX/XXXX. I decide that I did not want the tread mill and cancelled the purchase on XX/XX/XXXX. I also sent XXXX XXXX from preform an email to cancel the order. On XX/XX/XXXX the company tried to deliver and I spoke to XXXX XXXX ( XXXX associate ) and she said that the order was cancelled and I should receive a refund, the return # XXXX. 

I receive another bill from XXXX financing on XX/XX/XXXX, I called and spoke to a representative that informed me that the order was pending and the return should be processed in 10 days. 

On XX/XX/XXXX I received another bill from XXXX financing with late fee, I called and they transferred me to a collection agency. I spoke to the associate and he stated that they did not show a return and directed me to submit a claim form. 

I submitted the claim form however they show no record of it. 

They finally refunded the product but they did not reverse the late fee 's or correct my credit report. It is now XX/XX/XXXX and I am still dealing with this, it has almost been 6 months. 

I feel as if they are leading me in circles, this is ridiculous. I have never received the product ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am trying to manage my finances more closely, one way in which I can do this is via a website called XXXX. They help monitor your accounts for extra charges, overdraft fees, etc. but obviously require access to your account to keep on top of it. For some reason, Capital One are blocking this external website from accessing my account. I am trying to use this site to access MY own data, and I feel it is totally unreasonable they are stopping me managing my own affairs in a manner I would like to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: CA

Complaint narrative:
trying to apply for a mortgage XXXX XXXX and XXXX came back equifax didn't come up. Called equifax they said I didn't exist and that I had no history with them. Called them talked to a supervisor and told me to send a copy of my drivers license and social security card did as told still no answer did this twice already and they weren't able to help me. Called multiple times. Need this fixed since I am trying to apply for home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX. 

However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I have been receiving numerous calls from the company daily. They call from various numbers which I have asked them to stop calling. The calls are daily. I spoke to a female and she told me the calls wont stop, going as far to say I wil have some legal Issues if it isnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: PA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was incarcerated. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I used the Chase Mobile App to pay my balance off on my credit card. I normally get an immediate confirmation that it is being processed, but this time I didn't. I chose Pay Bill and scrolled down to See All Activity. It immediately, without my authorization, began processing a second payment for the exact amount as the previous payment made which was listed as processed and completed. I had two different confirmation numbers and two payments taken. I had a negative balance on the card the next day. I assumed it was a glitch and didn't worry about it, because I had pending purchases anyway. 

Well, it happened again today. I tried to pay the balance, no confirmation, I checked it later and it processed a second duplicate payment without my authorization. I called customer service and they said to call back when the second payment was completed and they would issue a refund. It could take a few weeks to be put back in my checking account. Meanwhile, my money is gone from my checking account. Money I did not authorize or owe. 
Please check into this if possible. Below are the payment summaries and confirmation numbers. Thank you so much! 
XXXX XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$250.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX Status Completed Payment date XX/XX/2018 Amount {$420.00} Description Other Confirmation number XXXX Status In process Payment scheduled date XX/XX/2018 Amount {$420.00} Description Website Pay from XXXX XXXX  ( ... XXXX ) Confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
When I was late on a horrible interest rate at the XXXX XXXX card, I tried to set up a payment plan with a collection agency with the hired XXXX by Synchrony bank ( a horrifying bank ) and collection agency. XXXX rep lied about what I owed when I set up a payment plan so I could not carry through on the plan. Synchrony bank accepted no responsibility and XXXX  calls me day and night, which of course, is considered harassment and against the law. This is the 2nd time I have reported this offense with no response from you. Sending to my attorney. Have proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to Transunion XX/XX/18 proving I tried to dispute the account Transunion received and signed for the letter XX/XX/18. TransUnion did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX  XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
I have a loan with PRIMARY RESIDENTIAL MORTGA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PRIMARY RESIDENTIAL MORTGA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
I have a loan with STATE EMPLOYEES C U. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE EMPLOYEES C U with no successful resolution. XXXX  was thw only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On Friday XX/XX/XXXX, my payroll department issued me a paper check rather than depositing it into my checking account. I did not know this until Saturday, XX/XX/XXXX. At this point, I had overdrawn my account. I called the bank. I was assured that, as they have an overdraft rewind program, I would be fine as long as a deposit was made before XXXX XXXX the following business day. That is today, XX/XX/XXXX. 

I made a deposit Sunday morning via ATM to cover the overdraft and a transaction that was outstanding by had not posted. 

In the meantime, Ive been assessed {$70.00} in overdraft fee. Theyve posted the transaction that wasnt showing as of yesterday on FRIDAY. None of these transactions posted before the close of business on Friday. And now Im holding my breath to see how many Ill be assessed. 

As I get paid weekly and am a single mother, this could very well translate into not being able to afford groceries this coming week. 

I have called Wells Fargo. I have emailed. The best they can do is {$8.00} and some change. I have requested a supervisor. Ive requested his supervisor. Ive currentl been holding for 30 minutes on what was a 3 minute wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Acceptance Rentals, Inc.
State: PA

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was XXXX. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: NJ

Complaint narrative:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

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 non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On my last and final XXXX 's bill, XXXX 's charged me a late fee and interest in the amount of {$34.00} for allegedly failing to pay my bill by the XX/XX/2018 payment due date. These are fraudulent charges by XXXX 's because the full payment ( {$390.00} ) was sent in a timely manner via U.S. Mail from XXXX MN, however, the payment was not processed by XXXX until after the payment due date. I requested that the error be corrected on a XX/XX/2018 phone call to XXXX 's, but XXXX 's declined to correct their mistake. The delayed payment processing times and poor customer service are a result of XXXX 's bankruptcy and liquidation. 

This bill was absolutely paid in full and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I have been paying my Federal student loan to XXXX since XX/XX/2016. Recently, the changed names to XXXX. When I try to log into XXXX, the website says it is unavailable. When I try to call customer service or send an electronic message, it requires my social security number which the automatic system says is not in their system. The phones will not let me through to someone until I put in a social security number that it recognizes. I have no idea what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: NJ

Complaint narrative:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: NJ

Complaint narrative:
The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit

Company response to consumer: Closed with explanation