vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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 XX/XX/2019 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 check 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 explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I need assistance with recovering {$50.00} that was fraudulently stolen from me XXXX XXXX / XXXX XXXX. He offered to sell me a ticket to an event called XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX, and I have extensive records documenting our dialogue. At his fraudulent instruction, I paid {$50.00} through the Cash app that the person specified, connected with my XXXX XXXX XXXX debit card. After the payment was submitted, XXXX XXXX / XXXX XXXX deleted their XXXX account and did not send the agreed-upon ticket. I then submitted complaints to Cash app and XXXX XXXX XXXX and have not received any assistance. I need their assistance to pursue the recovery of my {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased reloadable prepaid Vanilla Visa Card in XX/XX/XXXX. They charged fees every time you reload card, they also charged fees when you were calling them. I paid them over {$900.00} in those fees, most of them unjustifiable. In XX/XX/XXXX I initiated transaction dispute in an amount of {$140.00} as a duplicate transaction. I spent time and money sending Vanilla Visa faxes to their Chargeback Department. They never responded or resolved the issue. Because of that I wasn't able to pay some of my bills, creating huge inconvenience and hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pan Am Collections, Inc.
State: CA

Complaint narrative:
Pan Am Collections has been calling me for debt that I do not owe and has been leaving me abusive language including racial slurs. I still have their voicemails saved I had emailed them I do not owe any debt to them, infact they had over charged me fee for prior two debt collections and had not refunded me those over charges. They charged me fee for stage 3 collection but never asked for permission to go to even stage 2 or stage. As per the contract, before moving on from stage 1, they are required to ask for my explicit permission. I had the contract reviewed by my attorney as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
XX/XX/2014 XXXX XXXX wired Nationstar {$170000.00} Nationstar has refused to provide disclosure of its acceptance of this amount or its specific payment allocation in a final payment history, after reversing 9 payments 4 1/2 years after the payment was allegedly accepted by Nationstar, only giving partial disclosure of the incomplete reconciliation of the loan, causing inaccurate credit reporting for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday XX/XX/XXXX I wrote a check from my account at XXXX XXXX to my account at Bank of America. On XX/XX/XXXX when I went to check I saw that XXXX had processed the check but Bank of America had a hold on the funds until XX/XX/XXXX. I have been an account holder since 1991 with no history of bounced checks. This is a check from me ... .to me ... .there is no reason for the bank to hold this large amount of money from me that was my money in the first place, except to make money on my money in an unethical way. I have spoken to two people who can NOT give me a reason for this hold except to say that when I deposited it I didn't sign the back of the check I had written to myself. Seriously, that is the only reason they could come up with. This is usury by the 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 non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX, I was two months behind in mortgage payment. My bank sent two payments toward the payment of my mortgage for {$2000.00} and {$1300.00}. My regularly monthly payment is {$2000.00}. The late fee is {$60.00} and there is a {$15.00} inspection fee. The mortgage company statement do not reflect what happen to the {$1300.00}, however, there is a {$750.00} in an Unapplied Amount account. Loan care has taken more money from the {$750.00} that now the XX/XX/XXXX statement reflects that there is only {$290.00}. 

I am attached the XXXX Monthly Statement which shows that the two payments were made. XXXX payment was paid in full ( {$2000.00} ), XXXX monthly payment was short and XXXX payment was paid of {$2100.00} - XXXX + XXXX + XXXX ( XXXX ) =  {$24.00} overage. I do not know what suspense account did the {$24.00} go into. I don't know because I did not received a monthly state for XXXX and I was denied access to the Loancare website. 

I made several calls to Loancare to find out what happen to my money and why I know longer could have access to Loancare website. I was transferred to their Bankruptcy department, customer service could not address none of my concerns. I didn't understand why I was transferred to a Bankruptcy department since I haven't filed for bankruptcy since XXXX and my house was not apart of the bankruptcy. I was told by the Bankruptcy department that the {$15.00} fee would be charged to my account on a monthly basis because I file for bankruptcy. I asked them why and I told them that XXXX XXXX XXXX nor XXXX XXXX XXXX charged me {$15.00} per month. XXXX and XXXX inspected my house if my mortgage went more then 3 months past due. And where in my contract it states that they can charge me {$15.00} inspection fee monthly. I was told by the Bankruptcy department that those were the agreement that was made with the investors. And the investors are making this call for me to pay {$15.00} monthly. 

The Bankruptcy department said that I need to put my complaints in writing. I was given an email address and I wrote my complaints and was given a Ticket # XXXX, on XX/XX/XXXX. I waited for a response until XX/XX/XXXX, and I wrote to the customer care department again and I received a response that this email no longer being monitored. Now I am being told to go to the website that they denied me access to. 

Please help me ... .thanks

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 2019-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I wasnt given correct information about my loan and fees and how payments will be I am having multiple Payments taken out of my account and not really sure what pays what. The login provides no clear info. I feel like the amount is higher every time I login even though Im making payments. In the beginning my credit was effected because I Wasnt informed of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: EQUIFAX, INC.
State: ME

Complaint narrative:
EQUIFAX- I was Unable to obtain annual free credit report- at XXXX ( rec 'd the other 2 -XXXX & XXXX - very simply ) Several hours on phone with multiple EQUIFAX representatives- finally able to obtain access to https : //my.equifax.com/membercenter/ # /credit/summary Unable to " Verify Security Questions '' as EQUIFAX information is incorrect/wrong : Equifax has MY CURRENT Address listed as Previous Address and my Previous Address listed as Current Address Equifax has Incorrect Employer Information- When I Tried to Include a " Personal Statement '' to Add Current and Previous Employer- Site showed " use only Valid characters '' which I typed statement in ALL CAPS no other characters except numbers for the dates- but not able to Print simple PDF Credit Report- which has incorrect information- EQUIFAX representative gave me a Dispute Phone # of XXXX which is a disconnected #. Then XXXX Representative gave me XXXX as a Dispute # and I was told they couldn't " Verify my Identity '' and couldn't update my Address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XX/XX/2018 Account charged off. {$30000.00} account number XXXX AMERICAN HONDA FINANCE I am this claims to require the sling to please delete this account since I am not the owner ... I demand that you remove all liability ... immediately as I am trying to repair my credit situation and thanks to your credit report error is in bad coditions ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On my Credit reports XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a second chance opportunity checking account at Well 's Fargo. The account was closed and sent to XXXX XXXX XXXX with a negative balance of {$110.00}. 

There are many error 's on my account statement 's including a deposite with no record of it. The deposite was not done by me, and I was never able to get an explanation for it. Also, my last ATM receipt show 's a positive balance. 

I'm unable to get another bank account and need my account out of XXXX XXXX XXXX The second opportunity checking account also put 's there customer 's at risk of fraud by having them enter their pin to their debit card through the automated. The account is a low risk checking account that is suppose to help the consumer with their spending, not overdraft their account 's and then refuse to let them make a fraud claim. 

Please contact me about the many error 's on my statment 's. I'm including statement 's that show a raise in my available balance with no record and letter 's about a dispute I started by mistake but was able to close it myself within the next 2 min. Well 's Fargo also claimed they looked into the problem for me but obviously did not. Also ATM receipt 's that when matched to my statement 's are different or missing and my last ATM receipt that show 's my last transacation and ending balance still with a positive balance.

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 2019-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation
State: FL

Complaint narrative:
Last year I make monthly payment agreement of {$50.00} with the company Credit Solution Corporation for the total of XXXX. My first payment was {$3500.00} and after that I has pay {$850.00}. According my agreement my real balance is {$800.00}. Today a receive a letter from the company " All previous attempts to resolve the account have failed ''. I do not understand why the information of my account is not up to date. The agent that have my case for the agreement is the same agent that send me the letter. I also call previously to report the amount show in the account was wrong and the agent said they can not change the amount until the total agreement amount is pay in full. To my understanding I do not need to call them if I am making my payment on time. I am very frustrated and disappointed. This is not the first time this company has intent to take advantages me. The first time a get in contact I submit a complaint because they tried to imitate and threaten me. The only reason I was able to make an agreement with them was because a report their intimidations and threaten to you. Now that I almost pay off my balance agreement its feel like they are trying to intimidate me again to pay more that the agreement balance had make with them months ago. I feel my consumer right again. Companies like CSC that like to play games to the consumers must be fined for their acts. Because like a said the only reason I was able to resolve my problem was because a report them. But what happen to does customers that they do not have the resources to look for help. I can not wait to finish my payments, I will do not need to deal with this company any more.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
need a solution immediately ... I have tried several times to solve this problem and I have notified the Honda that solutions to this problem immediately ... the vehicle was stolen. I notified the AMERICAN HONDA FINANCE which ignored me .... you made a police report please correct this error immediately ... deleted all negative information notified by you since I was the victim of a robbery ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This company, PayPal, has been a pain with me all week ( culminating in horror today, Friday, XX/XX/2019 ). They limited my account and restricted me from doing anything three times just because I was a victim of a fraud and had to dispute a transaction. They are making me afraid to dispute other transactions that are not legitimate on my account. I have a little bit of money in the account and want it OUT but I was told that I could not get it out for 5-7 days, and the only reason is because their website was broken and the first time I tried to transfer it did not work, and then I tried " too many times '' so I will not be " allowed '' to get my money out. You should see my saved chat transcripts with one of their support representatives, it is unbelievable. At this point, I just want them to correct my disputes caused my identity theft ( a report with the FTC has been filed ) and I want them to let me transfer my own money to my own bank accounts without giving me potentially illegal excuses that make no sense. 

I have attached additional information. Beyond that, there is much more information ( more police reports and such ) available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX  with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. XXXX  and Trans Union didn't follow suit and are still reporting the debt on my credit reports.

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