vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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:
I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. This is imperative to budgeting for my family. Over the course of the last two months, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems. I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers. In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have two consolidated loans with Navient. In XX/XX/2020, my payments will increase. In anticipation of this, I have made multiple requests, both online and over the phone, to allocate my payments so that I can pay down the smaller of my two loans. I got a bonus in XXXX and made a {$2600.00} payment on the smaller loans. And yet, Navient 's system keeps distributing my loans contrary to my wishes, no matter how many times I request or what hoops I jump through, I keep getting the runaround. I find this practice unfair, deceptive, and potentially abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: U.S. BANCORP
State: NC

Complaint narrative:
US BANK HOME MORG.

Reporting my paid off home loan as 30 days late in 2016. 
They will not fix it to current.

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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES is attempting to collect a debt that do not belongs to me. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. PORTFOLIO RECOVERY ASSOCIATES is reporting invalidated information on my credit reports and this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I filed a dispute with Experian to reinvestigate 3 Public Records being reported by their agency. My credit report indicates  XXXX is the data Furnisher of this information. I submitted this dispute via their online portal and uploaded supporting documentation with XXXX letterhead as evidence. The supporting documentation is a resolution letter provided by XXXX ( From CFPB complaint on file ) which clearly states all 3 Public Records have been deleted from my consumer file and is no longer being furnished to Experian or any other credit reporting agency. However, Experian has failed to comply with a reasonable reinvestigation and continues to recklessly report this information as " Certified By Data Furnisher '' which is XXXX. I have highlighted areas where Experian indicates to contact XXXX as the 3rd party data Furnisher on my credit report and I have also attached a copy of the resolution letter directly from XXXX ; In addition, I uploaded a screenshot of the results alert received from Experian on XX/XX/2020 for my dispute # XXXX I submitted the same supporting documentation to XXXX  and all 3 Public Records were deleted immediately!

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
See the attached document. 

Despite providing proof of insurance, escrow payments were taken from our account. It took over 6 months to rectify this situation. 

See previous complaint : XXXX which was dismissed as I was not on the account at the time. This has now been corrected.

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 2020-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a " debt collector '' about a loan in the amount of XXXX When I attempted to gather more information from the agent he because aggressive and started threatening me with jail time and named off 4-5 different charges they were going to file if I didn't pay. I tried to explain I had no knowledge of the loan in question and needed more information. XXXX ( agents name ) then yelled into the phone for me to sign a deposition and they'll see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen/PHH have engaged in what I feel is predatory lending behaviors as well as harassment. 

I was XXXX XXXX XXXX for 8 months and I tried my best to pay and did pay in full on time for 7 months. My savings ran out, had to begin begging and borrowing to survive, then decided to request relief with my mortgage. 

I applied for a loan modification, was denied and offered a forbearance. The agreement stated that if I did not agree to this contract I would not be considered for a loan modification or any other assistance. 

The statements were very misleading because they stated " Trial Modification '' but was enacting as a forbearance. 

I complained to them and they put me on a trial modification. The last month of the modification i sent in the payment, on time, but they cancelled the modification.Please see the attached communications for details. 

These two companies have terrible customer service, such as lying on me ( see attachment # 3 ), each representative provides a different story ( see attachment # 3 ) and appears to be trying to ensure I lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XXXX, I reached out to Navient because my autopay was taken off of my account without my knowledge. I was told that it was only scheduled for a year even though I did not receive notification it was ending. My payments have been coming out of my account on the XXXX of each month for almost a year. As a result, I was considered to be 9 days late making a payment. I went ahead and made a payment on XXXX which made me current. My first issue that I have is that I have been making timely payments in order to be eligible to release my cosigner from my loan per Navient requirements. Navient requires 12 months of on time payments before being eligible for cosigner release. Since I was in the XXXX month when they stopped my autopay without my knowledge, I do not meet eligibility criteria for cosigner release per their website even though Navient stopped my autopay without my knowledge. 

Secondly, I spoke with XXXX XXXX on XXXX regarding an administrative forebarence that was placed on my account without my knowledge when I made the payment on XXXX. I did not agree to a forebarence because I was no longer behind on my payment. She stated that it was to help me and I will not have another payment due until XXXX. However, she could not tell me if I will incur interest during this forebarence that I did not agree too or have knowledge of until I checked my account online. 

I feel deceptive business practices are taking place that is not keeping me as the consumer informed about what is happening with my payments. Furthermore, I am requesting that my cosigner be released due to me not being notified my autopay would stop. I am also requesting what are my rights after your review of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: N26 Inc.
State: TX

Complaint narrative:
I opened an account with an online bank, N26, who is managed by XXXX XXXX. This entity froze my account because they had a issue with me getting daily deposits from my gig job. I work as an XXXX XXXX for XXXX, a smartphone app that allows you to work doing handyman services. I have emailed and cooperated with N26 by showing proof of my identity and proof that I do work for this company. I do not understand why it is their business to know this, but I have cooperated. They are holding my money to where I can not take care of my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage was sold from XXXX as of XX/XX/XXXX to Shellpoint mortgage services. I am not to receive any fees the first 60 days after mortgage transfer. I DID NOT have any late fees with my previous servicer XXXX before transfer. 
The first mortgage statement I received from them dated XXXX XXXX XXXX shows no late fees. It also says that payments received AFTER the XXXX will then receive a late fee. 
I receive my XX/XX/XXXX mortgage statement and I see the next late fee for XXXX. 
This is wrong for 2 reasons. 

First I am in the 60 day grace period of loan transfers Second I paid on XX/XX/XXXX ( late fee should not be assessed since it was NOT after the XXXX ) and I paid XX/XX/XXXX also not late. 

Please have this fee reversed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi there, I sent a identity theft packet, that included letters of the listed accts to Transunion. I sent my report with all items marked off included in the identity theft. I filed a Identity theft report to identitytheft.gov and also sent a copy of 605 b which clearly states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I spoke w/ XXXX from Transunion and spoke w/ XXXX who advised the dispute will be completed by XX/XX/XXXX, I advised him of the timeframe and blocking those details in which he advised he received the documents on XX/XX/2020 which means the information should be blocked by now

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXXXXX XXXX agreed to delete the XXXXXXXX XXXX Inquiry from my credit report, and also the XXXX XXXX Inquiry. Please Experian delete these inquiry as they do not belong on my credit report and these were not authorized by 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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
The recovery solutions group llc has sent many threatening emails. They have said that they will take property, they have contacted relatives even when they were asked to not contact. They are giving my information out to relatives. Most recently XX/XX/2020. 
This company has more so harassed me about a debt. They send threatening emails that they will go through all my bank accounts. They have even threatened me that I better hope I have all legal documentation for my company and Im not illegal. I have asked them to stop over and over and they wont. They are still contacting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Fraudster have our corporate bank account info and have deposited fraudulent checks and submitted Fraudulent ach debits utilizing multiple credit unions. 

USAA.COM PAYMENT tried to debit {$46000.00} Friday XX/XX/XXXX Originating id:XXXX XX/XX/XXXX Check # XXXX XXXX XXXX {$4900.00} XXXX XXXX  XXXX, MD USAA Credit Union This is jut one credit union but there are multiple involved with these scheme. Please see the attached spreadsheet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

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 2020-02-10 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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
On XX/XX/2017 I applied for a credit card at XXXX  XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im XXXX, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report  about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX  and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I didn't receive any answer from experian. So, I complained about this situation in XXXX and I didn't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I don't have any bad credit report in my country in any place so I need help to solve that as soon as possible.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Lending Services LLC
State: IN

Complaint narrative:
Global Lending Services is refusing to report my account correctly after multiple calls and emails as well as letters from my attorney with legal bankruptcy documentation included for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I submitted a CFPB complaint in XX/XX/2019 that FedLoan was not providing any information to me about how many qualifying payments I had made for PSLF ( at the time, FedLoan was saying I had made 0 qualifying payments and would not update my records, despite my making payments and having employment certifications covering over five years ). In response, I received a letter from FedLoan dated XX/XX/2019, that said I had made 42-43 qualifying payments. At least 18 payments are missing from this calculation. I asked FedLoan for information about what payments it deemed to be qualifying and not qualifying, as previously a FedLoan representative had told me that FedLoan was not counting any payments that I had made to Navient ( the previous servicer ) as qualifying, because XXXX had not provided payment information to FedLoan. FedLoan told me in XX/XX/2019 that it would take 1-3 months to send me information about what payments it deemed to be qualifying and not qualifying, and the basis for the " not qualifying '' payments. I still have not received this information, and my qualifying-payments calculation is still missing over 18 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
SPOKE WITH AMERICAN EXPRESS AN THEY SAID THAT IT WAS A FRAUD RING OPENING THE ACCOUNTS.

Company response to consumer: Closed with explanation