vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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 — Was not notified of investigation status or results
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
The car was not clean title it was involve on an accident cause it had several important part missing on the suspension. Broken parts in half. Control suspensions screws. Pay the car for two years till i found out the truth. Then the company didn't wanted to help me. Ended up giving the bmw back to them. I was con.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: OH

Complaint narrative:
Contacted the company on XXXX electronically asking for return contact. By XXXX, no contact so called again. Stated I had to submit a request in writing- although website states can request online as I did- and that then they will request documentation to prove the collection. It is my right as a consumer to be presented this information and I should not have to jump through hoops to get it. I found out who the collection was for, XXXX XXXX, and I contacted them directly and paid this in full. I then contacted National Recovery again, and was told to mail the receipt, itll get processed, go through  verification and eventually be removed. As they could not produce the documents to begin with, they should not have this on my bureaus as a collection dated XX/XX/XXXX, for a service from XX/XX/XXXX. I asked to email or fax the receipt and was told to get the info off the website. I have been unable to find this information. This should be removed in an expedited manner due to not satisfying my consumer right to detailed information on what they are trying to collect money for. I could get no information except to keep mailing requests or to pay them.

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 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Wed XX/XX/2018 XXXX authorized a payment of XXXX I only had XXXX in this account. I asked Wells Fargo to stop letting payment come thou when no money is available to payment for the charge. Wells fargo is doing this just to charge account holder XXXX. I have removed my debt from XXXX. This company need to change their policy. I also having a pending payroll check, the company state if a payroll check is pending the company would not charge a fee. that is not true the company is still charging funds.

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 2018-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
after home purchase in XX/XX/XXXX, never received the money they was supposed to be for the deed of trust. Then they forged another deed of trust. That was reconvened in XX/XX/XXXX, but they began to refuse to answer any questions about the issues. after 9 years in the home fighting everyway I could because of no help of any government agency 's. Then after a notice of default on a reconvened note. And failure to answer my QWR. till 6 months later. and never addressed any of the concerns. The sold my house on XX/XX/XXXX. 

Then the purchaser that knew about the situation had me and my family removed with unlawful detainer that the change of my address caused a default. Because every attorney I talked to was completely against taking my case even with over 1000 pages of original documents. Now after steeling my house still not a single agency willing to get off their A..s and do their job. Including AG, Postmaster general, Governor, C.I.D. and Hud was absolutely lying to me when I sent over Hud H1 and then blocked her  email. They have note only stole my house but completely destroyed my family and my integrity. As well as you and the rest of the government do anything to stop this.

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 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I took loan from Wells Fargo through XXXX XXXX XXXX. I bought the Furniture around {$4000.00} per Zero Interest rate for one year. I paid {$1700.00} for {$150.00} ( 11 Monthly payments ) and {$1500.00} total of {$3200.00}. I only have to paid {$770.00}. The problem is they charged me over {$1000.00} for interest rate on XX/XX/2018. I made my direct monthly payment through phone. But they misguide or mistakenly they made the minimum payments of {$150.00}. Now they charging me interest rate and I wasn't agreeing when I took the loan.

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 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My husband and I decided to put our Navy Federal Credit union credit cards on a debt consolidation program due to us getting nowhere with our monthly payments. I transferred themoney from an auto insurance claim from XXXX for my car repairs to Navy Federal so that I can transfer it to my sons Navy Federal account so that he can pay for the car repairs since I am currently out of the state in XXXX XXXX Alabama for school and Navy Federal withdrew the money with out my authorization to put towards my husband 's credit card which I'm a co-owner to. I called Navy Federal to request a refund so that I can pay for my car repairs and they denied the request even when I told them that was an insurance claims money for my car repairs. This is creating hardship and stress on me because I don't have the extra money to cover for my car repairs this is not the first time that Navy Federal withdraws money from out accounts with out having authorization. They have done the same from my husband 's account with out his permission. XXXX does not do this and we have a credit card with them that is also enrolled in the National Debt consolidation program we have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I can not create an account to pay my mortgage I had an account, and suddenly I could not access the account I have called multiple times between XX/XX/XXXX and XX/XX/XXXX. 
I was told multiple times by the company that the issue was resolved and it is not Their website will not allow me to create an account to pay my mortgage and I do not believe the company is being honest I have been told many times I would be contacted within 48 hours, and not a single time did this occur, I have had to take the initiative to call back every single time I have been told trouble tickets have been submitted, only later to be told by another Representative there is not trouble ticket I have all of these conversations recorded and dated I am attaching the error I always receive after going through the process of creating an account Also, a lower priority, but their website has many issues. 
For example. and you can look at XXXX XXXX XXXXXXXX, you have to perform the captcha 4 to 10 times for it to work correctly This website prevents people from getting information on their loans and paying them by not working correctly

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 2018-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XX/XX/2018 - Letter seeking validation of debt was sent XX/XX/2018 - Capital One sent a return letter saying they needed to research request and needed the following information : Account number on my credit report ; a copy of their return letter ; a copy of my original letter ; a copy of my credit report showing the information ; and my social security number and date of birth. I was asked to return it no later than XX/XX/2018 XX/XX/2018 - All relevant information was sent back to Capital One XX/XX/2018 - I filed disputes with the credit bureaus because it had been over 30 days and no response was given from Capital One XX/XX/2018 - I received the exact same letter from Capital One as above ( XX/XX/XXXX ). This time it was dated XX/XX/2018 and asked to be returned by XX/XX/2018 XX/XX/2018 - All relevant information was sent back again XX/XX/2018 - Capital One sent a letter noting that they had been informed of my dispute, however, they did not have enough information to fully understand the dispute. They again asked for the same information as their previous letters. 

XX/XX/2018 - All relevant information was submitted again XX/XX/2018 - After receiving no response, I check my credit report. This time it stated that Capital One validated the debt through the bureaus. I then sent a letter to Capital One offering to settle the debt at 65 % ( {$160.00} ) in hopes of them removing the charge-off status off of my report. 

XX/XX/2018 - I received a letter yet again from Capital One stating that they needed more information again to understand why I was mailing them. They asked for the same exact information again. 

At this point, I have no choice but to file a complaint. I have asked multiple times for validation of the debt. It took them longer than the required 30 days to respond to that initial request. Even after the time had passed, I continued to reach out to no avail. They eventually were somehow able to respond to the credit bureaus, yet they continue to tell me that they are not certain about my account. Even after offering to settle the debt, they send me information that they are not certain of my account. I have no other choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Allgate Financial, LLC
State: FL

Complaint narrative:
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -0- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, XXXX and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/18 I transferred {$250.00} from a USAA mutual fund account to a USAA checking account. Per the written terms published on their website and information on the screen during the transaction, the funds should be available same-day as they have been in the past and in compliance with The Expedited Funds Availability Act ( EFAA ).

The terms of their depository agreement state : When Available Type of Deposit Same business day as the day of deposit. 
Funds received electronically through an ACH credit Transfers from other XXXX accounts you own ( Copied and pasted. Transfers from other XXXX accounts I own, same day ). 

Immediately after completing the transaction, a message came up saying there was a 2 day hold on the funds, no warning before. I complained to USAA and said the written terms said the funds will be available same day and XXXX says there should at most be a 1 day hold because this is a USAA to USAA transfer and meets none of the " exceptions '' for longer holds. 

The USAA rep said they had a " new policy '' beginning XX/XX/2018, and apparently had not updated their online terms yet. - Beginning XX/XX/XXXX, when members move money from USAA mutual funds ( USAA Funds ) or USAA Life annuities to a USAA Federal Savings Bank ( USAA Bank ) checking or savings account, the money will no longer be available immediately. A one to two-day delay in funds availability will apply to future, recurring and on-demand transfers. They should absolutely have to adhere to the written terms online because they stated in writing the funds would be available same day, and a 2 day hold to a low-risk usaa to usaa transfer is in violation of EFAA because this transaction meets no exceptions for longer hold time. 

I had moved this money to cover a bill. On XX/XX/18 even though USAA had the funds, because of the 2 day hold the funds were not available and they rejected the bill payment for NSF including a {$29.00} fee to USAA, {$27.00} NSF fee with the merchant and {$35.00} late fee with the merchant for a total of {$91.00} fees due to this hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This debt was paid more than 2 months ago and still showing up as a collection in my credit report Please erase it as soon as possible Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc.
State: OH

Complaint narrative:
Yes I sent out a letter stating want verification if the debt. On the right amount. I'm willing too offer then a settlement. I'm on XXXX in XXXX. Going thru hardship right now with bills. Again I'll settle. But for less owed. Again I'm on XXXX.w willing too work with them

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CT

Complaint narrative:
Hello, I receive a call a day from Diversified Consultant, Inc regarding my debt to an old XXXX phone line. I have agreed to settle debt with them but they refuse to send me anything in writing laying out the terms of settlement. They insist I have to pay it online, with them on the phone with me otherwise any payment I make will be applied towards balance. I've closed out multiple accounts by agreeing to a settlement amount and requesting something in written prior to paying anything whether on the phone or online. I want to close to debt out but they will not let me. They simply insist that I must pay it their way or not at all. I just want a settlement offer in writing so I can pay of this debt. My guess is they will charge me and just add it towards the balance. They say they've sent me letters in the past but I've not received a single settlement offer in writing despite any request and pleadings with them for 10-15min per day per phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. 

During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility  for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.

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 2018-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.

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