vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 Capital One for the second month in a row did not credit my payment. I pay thru my bank online and pay on the same day as the bill is received. Capital One was the only creditor that did not seem to be able to post my payment on time. I closed the account via the telephone call. I was very leary that the amount they wanted was correct however I paid what they asked and told them I wanted a full accounting. I talked to them many times about a check for {$100.00} and a check for {$20.00} They never gave me a full accounting and when I tried to cash the {$100.00} check they stopped payment on it causing bank charges and still have not received a full accounting on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an unsolicited request via XXXX to apply for a Chase Visa partner card from XXXX. I applied and they rejected me. I have with a near perfect FICO of XXXX, one single loan ( my car ), and no balances due on credit cards. 
In short, for no good reason that I can see, other than my age ( XXXX ), I  was rejected despite a near perfect credit history. 
I am an XXXX  and my wife is a XXXX, I'd have thought you would want my business. 
Why not just say Seniors need not apply. Oh, that's illegal. 
YOU ( XXXX ) have wasted my time over a scam operation and I do not appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Loan number XXXX Freedom Mortgage I have been disputing this organizations errors since XXXX of 2018. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement dated XX/XX/2018 showing my payment were up to date and that my next payment was due on XXXX XXXX. This corresponds to my records. On XX/XX/2018 XXXX reversed TWO months of payments resulting in my payments for XXXX and XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them. 
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 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There are unauthorized payments coming from my account from a merchant and my bank did not credit my account.

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 2018-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
XXXX Called Brite Financial to obtain information as where to take my car for repairs with the extended warranty that's included in my lease. Originally Car rite XXXX XXXX XXXX XXXX XXXX WI XXXX is where my car should go for maintenance and repairs. 
Car Rite has been closed since XX/XX/XXXX, no notice or direction as to where to take my vehicle going forward. Brite Financial advised my contract # is XXXX the number for the XXXX XXXX  is XXXX I was advised that The XXXX XXXX, administered by XXXX is where I should call XXXX. I called them and was advised I could take my vehicle to any licensed repair shop and my deductible for repairs is {$100.00}. I then made an appointment for XX/XX/XXXX at XXXX with XXXX XXXX dealership. 

XXXX XXXX advised me that my car needed a sensor replaced and they were going to call the warranty place to open a claim. They would call me Back to schedule the repairs. 

XX/XX/XXXX XXXX advised me that The XXXX XXXX denied my claim as I need to go to the selling dealership which is closed. 

XX/XX/XXXX Called XXXX XXXX  back and they were supposed to call XXXX back with my claim number as they confirmed the selling dealership is closed. 

XX/XX/XXXX Called XXXX no call ever received from The XXXX XXXX, called XXXX XXXX there is a different department " first extended '' that I need to speak to? On hold for over 30 minutes and the system disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. 
I contacted Sallie Mae Several times this year, to make sure I was in deferment and no issues. I used deferment to make sureXX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX   and everything would be fine, I would just have my XXXX in-school payments to make. On MondayXX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called Sallie mae and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. 
XX/XX/XXXX XXXX ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. 
XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. 
I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 recently made a complaint about XXXX and Transunion regarding a bankruptcy on my report. I reached out to them via telephone and was only able to speak to a representative at Transunion ; XXXX request that you leave a message and someone will call you back and I have yet to hear from anyone. I questioned the representative with Transunion asking the name and credibility of the third party company that verifies bankruptcies per consumer. Transunion put me on hold and he came back and said he couldn't answer and will make a request for this to be removed. I have yet to see any changes. My report from both agencies are contradictory ; the filing dates do not match and one report says I filed chapter XXXX and XXXX bankruptcy. The status dates have not been updated showing that an investigation was done. I'm attaching snippets of my current credit report effectiveXX/XX/2018 that clearly shows the contradictions.

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 2018-06-12 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: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on 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 2018-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail.

Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ).

They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments.

It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage.

Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted.

Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly.

I have gotten nothing in the mail notifying me ... nothing for 2 years!!!

Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i was a victim of fraud and equifax does not want to remove the fraudulent accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on Experian.

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 2018-06-12 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: FL

Complaint narrative:
I have disputed an address about 5 times that it does not belong to me. Equifax employees have told me it will be deleted 100 %. There is not account of mine that reports that address. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
On XX/XX/2018 i sent over a complete modification packet. loan care refuses to review my documents and help me with an obtaining an affordable payment. i have left numerous voicemails to management and the single point of contact which never call back. Agents and representatives that do get on the phone are not helpful always rude and not once want to answer any questions they always transfer without giving the opportunity to explain and then never get called back. the more they refuse to work with me and more against me the more i fall into default and i am not wanting to lose my home. i need all the help i can get moving forward.

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 2018-06-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested several times for XXXX XXXX XXXX to be removed from my credit, they are reporting 9 missed payments, which is incorrect. The debt was settled and no balance is due on account. CFPB has the letter on file from XXXX. I opened a dispute on XX/XX/2018 and have not received the results from the investigation. I mailed a letter to them after several attempts to get them to remove this from my credit report. It's been well over 30 days and no results.

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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP

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 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a letter from experian say they have completed and investigation on XX/XX/18 and i still have inaccurate information reported on my experian report.I have attached a certified copy of my ucc11 information request which shows i have no lien placed against my name with the companies they claim they validated. This is a violation of the Fair Debt Collection Practice Act. I have also attached a re investigation letter for their review.

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 2018-06-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Loan number XXXX XXXX XXXX I have been disputing this organizations errors sinceXX/XX/XXXX. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement datedXX/XX/XXXX showing my payment were up to date and that my next payment was due on XX/XX/XXXX. This corresponds to my records. On XX/XX/XXXX XXXX reversed TWO months of payments resulting in my payments forXX/XX/XXXX and XX/XX/XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them.

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 2018-06-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Student Assistance
State: HI

Complaint narrative:
American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.

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 2018-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
After receiving a request for payment of an additional amount to my regular payment I made a request for an explanation I was told it was due to an increase in property tax and insurance. I contacted both the town and my insurer and was told by the Town Clerks office my payments included late charges. I will pay both insurance and property taxes as of this date. I simply requested before any additional funds were paid that they provide the following : 1.An accounting of all late charges paid ( insurance and Taxes ) since they acquired the mortgage. ( I don't have any late payments ) 2. Removal and accounting of all mortgage, taxes and insurance as of the call date.

3. The New monthly payment reflecting the removal of property taxes and insurance.

4. Statement reflecting the status during mortgage company acquisition of my mortgage.

5.Immediate removal of late charges and negative credit report due to the new unexplained charges.

Whatever the difference I will pay immediately it they are accurate however I am still waiting for the explanation and just received a collections letter from them.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank is listed by XXXX XXXX as one of the companies that will wire transfer funds to XXXX ( a digital exchange ). However, my account is with Capital One 360. Cap One 360 will only do a wire transfer to a title company, checking, or savings acct. Since this is an exchange, they will not allow me to transfer my funds to XXXX. That is their policy. I tried to open an account with Capital One which is a retail bank. But I can't do it online. It has to be done in person. The nearest branch is in XXXX XXXX. I live near XXXX XXXX Because of this policy of Cap One 360, I will be forced to move my monies out of my 360 account to another banking institution. I have spoken with the Cap One customer service multiple times. They would not allow me to speak with a higher up person. They would not escalate my query. When I asked what I could do to 'make this ( transfer ) happen ', they offered no suggestions. I may as well have spoken to a brick wall. That is how I felt. I initially opened this account via XXXX XXXX years ago. This account evolved into Capital One 360. So, in the end, because I live in XXXX, I can not wire transfer my Cap One 360 funds to an exchange. This is not right. Capital One 360 is a large, international institution. They should honor my right to perform this function.

Company response to consumer: Closed with explanation