vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had never received information on how to resolve paying off these debts, from XXXX XXXX XXXX  XXXX. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I enrolled in a rate reduction plan in which my payments were supposed to be approximately {$500.00} for 6 months. It was not explained to me that on the 6th month there would be a balloon payment of {$1000.00}. I only found this out once I was charged ( prior to the 6th month ) and I called to complain on XX/XX/XXXX and request a refund. I was told the refund would be received within 3-5 business days. That time frame passed and then I was told 5-7 business days. Today is XX/XX/XXXX and I am now being told customer service doesnt know why I havent received the refund and they cant tell me when I will receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
The complaint I have with the Mortgage company is Ocwen. You see I applied for a Loan Modification. I was approved, it couldn't come at a worst time. I told them I needed a month to start paying back the loan. A month earlier I was in the hospital for a month you see I had a XXXX and couldn't go back to work for a month. I told them this several times, they told no problem. You can re-apply everything will work out.So I re-apply and I got DENIED. They turned me down flat and didn't even look at my current check stubs.I don't know what else to do I did what they said.I have paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: MS

Complaint narrative:
A loan company tried to pull my Equifax credit report and was unable to. When I contacted Equifax on today, I was told there was no record associated with my social or previous address. And I was told the only thing I could do was make sure my creditors are reporting my info to them. I have credit history dating back to 2001. I can't apply for more credit until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I submitted a fraud claim with Bank of America shortly after I noticed a large charge at a supermarket I dont go to as well as charges in XXXX including withdrawal at an ATM. I recently had received a new debit card from them as my other was about to expire. I notified the bank employee that I had one of of my debit cards, but the other was missing. I was also confused as to how someone could use my card at an ATM as I dont keep my Pin anywhere on me, and the employee informed me that information is stolen all of the time. Claim was filed on XX/XX/XXXX18 and I received a temporary credit which totaled around {$450.00} for the fraudulent charges. I received a call on XX/XX/XXXX18 about my claim. I called back the next day and was told my claim was denied because it didnt follow a fraud pattern. Also told that on XX/XX/XXXX18 the credits would be reversed. I would have to mail a letter to get them to re look at the claim. By that time I will be out all of the money again which I can not afford as a student. For a company that says they offer 0 liability and as someone who reported the fraud as soon as I noticed it, I am astounded that they denied the claim for such reasons and I would have to re file a claim in order to try and get my funds back. That would be another month process and again, I would still be out my money. After doing some research I have found many people where the same issue has occurred with this bank.

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following information is wrong on my Experian Credit Report. I've been attempted numerous times to get the information corrected with Experian. Experian has failed to give a reason for not changing the wrong information. 

Wrong or Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX I have never lived at these addresses and I believe these addresses were an attempt of fraudulent activities.

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 2018-08-22 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: CA

Complaint narrative:
I sent a letter by certified mail to TRANSUNION on XX/XX/2018, challenging the accuracy, compliance, and reportability of a listing - XXXX XXXX XXXX XXXX, filed under my social security number per the FCRA section 611 ( a ) ( 1 ) ( A ).

In my letter, I asked that TRANSUNION validate the information and provide me with copies of any documentation associated with this account, bearing my signature. 

A representative from TRANSUNION signed for the letter on XX/XX/2018, at XXXXXXXX XXXX and on XX/XX/2018, I received correspondence from TRANSUNION stating that the account was UPDATED. However, TRANSUNION did not send me any information to validate the accuracy of the account. 

On XX/XX/2018, I sent another letter by certified mail to TRANSUNION which was signed for on XX/XX/2018, at XXXXXXXX XXXX This time I requested from a description of the procedure used to verify the accurateness and completeness of the information, as well as the name, address and phone number of each person contacted regarding this alleged account per the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I asked for any documentation baring my signature, showing I had a legally binding contractual obligation to pay the amount which is claimed I owe to XXXX XXXX XXXX XXXX, in which they had 15 days to respond. 

I was then sent correspondence from TRANSUNION on XX/XX/2018, ( 10 days late ) stating the account in question was " verified as accurate '' with none of the supporting documentation I requested for. 

I also informed TRANSUNION dependent upon their response I would be filing formal complaints with the : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX 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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One us involved in a dispute with my employer. As a result, as of XX/XX/XXXX, they have been retaliating against employees such as myself, by preventing us from accessing the bank 's website for any purpose whatsoever -- including online banking. The computer which my employer issues me is my primary device and it is permanently connected to my office network, which means that constructively, I am perpetually blocked from accessing online banking. 

Capital One is blocking users such as myself from accessing online banking for wholly inappropriate, completely unrelated reasons unrelated to my activity as a customer. Furthermore, because their mobile application is not functionally equal to their online banking portal, they have given me no equivalent recourse. 

Through my employer, I have raised this issue directly with senior management at Capital One ( VP Enterprise Digital Products, and Sr Digital Product Management ), and my employer has specifically guaranteed that only employee-customer traffic will be sent to their office. Nowhere in Capital One 's online banking agreement is this condition imposed in order for me, a private customer, to access my account. However, Capital One has not accepted these terms and continues to block employees such as myself, who are also customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX wrote a Wells Fargo North Carolina check payable to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX for the amount of {$980.00}. This is for an outstanding invoice XXXX for {$980.00} However the Wells Fargo check was misplaced or stolen and cashed at a XXXX XXXX XXXX on XX/XX/2018. Noone knows the signature on the back of the check. Don't understand how this is possible because the check is made out to XXXX XXXX XXXX. 

XXXX XXXX XXXX  went to the XXXX Police Department to file a report and spoke to : XXXX XXXX XXXX Administrative Police Officer  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX The main contact at XXXX XXXXXXXX has been the Accountant named XXXX at XXXX The main contact at XXXX XXXX XXXX has been the Accountant XXXX at XXXX. 

XXXX XXXX contacted Wells Fargo who stated that XXXX XXXX XXXX needs to file a complaint. And Wells Fargo told XXXX XXXX XXXX that it is XXXX   XXXX that needs to complain. So Wells Fargo has done nothing to help or rectify the situation.

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 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Rausch Sturm calls my house daily and has for the past few months about a debt that I do not owe. I have called them back multiple times and they claim my home phone number is not listed so they can not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. 

I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. 

In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud.

Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. 

This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, XXXX XXXX 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 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees

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 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called to ask about the hold time for a cashiers check and was told it was XXXX business days. After making my deposit, I was told that it would be held for 8 days. This is an emergency because I need the funds immediately. Please help me.

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 2018-08-22 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: MS

Complaint narrative:
I am the victim of identity theft. I have tried numerous times to correct this issue with Experian without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX  XXXX XXXX / XXXX {$14000.00} XXXX XXXXXXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX  XXXX XXXX / XXXX {$24000.00} XXXX XXXXXXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXXXXXX XXXX / XXXX {$17000.00} XXXX  XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXXXXXX XXXX  XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX  XXXX / XXXX {$1200.00} XXXX XXXX  XXXX / XXXX {$300.00} XXXX XXXX  XXXX / XXXX {$2700.00} XXXX XXXX  XXXX / XXXX {$250.00} XXXX XXXXXXXX XXXX / XXXX {$1500.00} XXXX XXXX  XXXX / XXXX {$3000.00} XXXX XXXXXXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX  XXXX / XXXX {$610.00} XXXX XXXX  XXXX / XXXX {$8600.00} XXXX XXXX  XXXX / XXXX {$5700.00} XXXX XXXX XXXXXXXX / XXXX {$760.00} XXXX XXXXXXXX XXXX / XXXX {$3500.00} XXXX XXXXXXXX XXXX / XXXX {$37000.00} XXXX  XXXX XXXX / XXXX ( All accounts that say XXXX XXXX  XXXX / 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 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/2018 our XXXX XXXX XXXX credit card account was charged 3 {$150.00} charges related to fraudulent gift card purchases using our XXXX account. We immediately informed the company of the charges and they refuse to honor their supposed Zero Liability fraud protection policy and refund the charges. We've been fighting with them for 8 months now and they are continuing to charge late fees and interest during the investigation. They have also reported overdue payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: EdFinancial Services
State: TX

Complaint narrative:
The company ED Financial has placed two accounts on my credit report since XXXX. I have no knowledge of this account. My student depts were paid when I filed for chapter XXXX in XXXX. I have schedule of all payments made on all creditors. The company refuses to provide any details regarding this account and continues to reflect on my credit report. EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$7000.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX View All AccountsPreviousNext EDFINANCIAL SVCS Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$9200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 180 Months Responsibility Individual Your Statement - Comments Student loan - payment deferred Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Attorney XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of the Fair Debt Collection Practices Act. 
They purposely sent a summons to appear in court XX/XX/XXXX to an address that was never my residence in Michigan. I have been living in XXXX since XXXX. I received a response from XXXX XXXX XXXX Attorney for Mindland through the CFPB site XX/XX/XXXX, stating that I should contact XXXX to resolve the matter and that no action of garnishment will be taken. No one was willing to assist me. However, I have been garnished for the wrong amount and my livelihood has been impacted to me losing everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: CT

Complaint narrative:
Equifax ( not sure where they get their info from ) had my legal name as " XXXX '' XXXX and not XXXX, so I noticed this and called to correct it, quick fix and it was all correct. then all of a sudden with this info a new entry to my credit profile was added, a collections, a FRAUD collections. So I called up, explained the situation, they said they would mark is as fraud to have it removed, Ok great. Then I get a letter in the mail stating the item was VERIFIED ... .. I called today to ask how that's possible and was told " They said it was valid '' sooooooo the Fraud that was put on my profile THOSE PEOPLE said it was valid and Equifax believed them '?? '? This would be funny if it were not true. So anyone can place an almost {$40000.00} entry to your credit profile and it can not come off unless the scammers agree you don't owe it '?? LOL Equifax 's " Investigation '' is literally them asking the Fraud " is this his '' they say YES " ok we believe you '' On what planet is that an " investigation '' '? I offered to get a police report they said " The Creditor would still have to agree to remove it '' This is holding my credit hostage to get $ XXXX from me and Equifax is assisting in the fraud and should be charged with fraud. FYI my credit score was over 800 before this and is now XXXX so I WILL be looking for damages to my financial well being if this is not corrected in 30 days of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX and I reached an agreement to pay off my two loans in full. Agreement were reached for two accounts that I have with XXXX. Pay off for the first account ( Contract # XXXX ) was for {$300.00} and the second account ( Contract # XXXX ) was for {$360.00}. LendUp received the two payments by their e/mail dated XX/XX/2018 to me for both accounts. Can't closed second account because it still shows a balance {$1.00}. Tried resolving issue with XXXX on XX/XX/2018 by phone and was unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 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: GA

Complaint narrative:
Since filing chapter XXXX bankruptcy nearly five years ago, XXXX XXXX XXXX XXXX is still reported as a charged-off account on my Equifax report despite several disputes. XXXX refuses to acknowledge its participation in my chapter XXXX repayment plan. 

As a result of my latest dispute, the personal statement which appears on my report is erroneous. The statement is applicable only to the XXXX account.

Company response to consumer: Closed with explanation