vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I have been 3 months trying to get a bill from this Simons company. I dont know if the bill is mine or how old it is. I found out about this bill by checking my credit report. Was never told about this. Was never sent a bill or a phone call. I cant pay a bill I dont know about. Dont know who the original creditor is. Would really like to see a bill of what I owe Im not paying for something until I know what it is for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have lived in this house and have had the same telephone number since XXXX, XXXX. I do not have any debt. My home has been completely paid since XXXX, I don't have any other debts ; I pay my credit cards in full every month. XXXX has been calling my house off and on for the last three years. I have spoken to them and the calls will stop for a couple of months ; then they will start again. Please have these type of people stop bothering honest people like me. I am XXXX, old and with the phone ringing 10 to 15 times daily ; it's very hard to keep up with these scammers. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Hello, I opened my account with Suntrust Bank in XXXX of XXXX. There seemed to ne an issue immediately when a routing number and last 4 digits of an account number showed up. When XXXX  it came it wex bank, i called wex and repoorted that i have never had an account with them which they verified. I then filled a report with your agengcy. The report was closed upon Suntrust response that it was from a prior account. That cannnot be so beacuse the acct i had with them in XXXX was only a CD not able to make external transfers. Now the issue is that ( A merchant on behalf of XXXX has taken money from my account. XXXX has confimed they no longer have my auto bill info. I do belive that it is a merchant acting on behalf of XXXX and Suntrust allowd the transaction simply based on past purchases from a simularly named merchant. I would like to request an immedite investigation as i belive my account has been compromised from day 1. I will also file a report with the FBI. 
Thank you

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 2019-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I graduated college 10 years ago this month, and I still have over {$120000.00} in student loan debt. I have made payments for the last 10 years, along with my co-signer and have requested to find repayment option plans to help with the monthly payment for the lifetime of the loan with little or no success at all. 

Putting it into perspective : I graduated in 2009, in the heart of the recession. I was jobless for months on end trying to find work after graduating from a top 50 school. I was laid off two times within a year and on top of the hardship, I was expected to pay back my student loan. At the time, Navient, formerly Sallie Mae, would not allow me to pause payments or reduce payments given my absence of income. In fact, my only option was to be put into forbearance AT LEAST 5 times in XXXX. This company steered me towards multiple forbearances instead of income-driven repayment plans, and I have tremendously suffered. My interest rates are through the rough and the additional principal I have to payback is astonishing. 

Navient will not disclose this information to me and let me know the dates where my account was placed into forbearance. In addition, each time it was placed in forbearance, I was responsible for a {$150.00} fee. My co-signer and I received numerous calls from collections and threats that our credit would be impacted. 

Who knew that getting a great education would have me suffering for 10 years, and many more to follow? I currently have zero assets ( no car, no house ), and I'm not sure when I'll ever be able to own something. My current payments per month are {$550.00} and my co-signers are {$430.00} ; roughly $ XXXX/month combined. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My online access to my capital one credit card is now blocked and I am travelling internationally. Cap one will not send a numerical code to my home phone to restate access because that phone is not in my name.

Without access to my statements i can not verify the charges are legitimate so I will not pay the balance due.

This will negatigely impact my credit score.

Stupidly, they still allow use of the card i just can not access the statements.

Their solution was, seriously, obtain a USA based cell phone to receive the code!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019, a direct deposit was made to a Chase Bank account that I thought was mine. I checked with Chase and it appears that when setting up my direct deposit information with my employer, I transposed two numbers when entering my account number. On that day, I requested that the amount of the deposit, {$2400.00}, be rerouted to my checking account. They said they would process it. The following Monday, XX/XX/XXXX, I received a notification that they would not be able to reroute it, as the money had gone into an existing and active Chase account. My employer issued a request to have the funds rejected, which after several days, Chase refused. My employer again, at my request, issued a request to have the funds returned. The request included an explanation from my payroll department of the amounts, dates and account numbers to which this money should have gone. It also included printed copies of the return requests that were submitted. At this point, Chase again refused stating that the account to which the funds had been deposited had insufficient funds. I have spoken to my local branch manager who escalated this to Chase 's Complaint escalation group, who returned stating that nothing could be done. The managers I'd been working with at my local Chase branch stated that they'd see where they could escalate my issue, and this morning, I received notification that there is nothing Chase could do. Chase seems content to let the owner of the account into which my money was erroneously deposited keep my money. I even requested a credit and recommended that they give my money to me and put a lien on the account owner 's paycheck, as the bank has to know his social and other contact information. At this point, it's looking as if I'll never get my money.

What's interesting, is that Chase had sent information to my payroll dept that included account information for an individual who is a Chase Private Client customer. While this information doesn't show the account number to which my pay was sent, it does make me question whether or not Chase is not pursuing a real resolution because they're favoring a high net worth customer over me. In any case, the info they sent constitutes a breach of customer data.

I have gone through the ringer with Chase over the past 30 days and they will not move from their position that they can not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN EXPRESS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We got off track with our mortgage payments in 2016 and had to file bankruptcy. The attorney worked with Ocwen to get our payments back on track and start a Modification on the loan with Ocwen. We went through that process and got back on track, the whole time making payments. Ocwen never applied any of the payments to anything and then they told us that because they were not the full payment that the money was in a suspense account which we never were told and never saw. One lady even said that once our modification had been completed they would apply the suspense account to our mortgage. Well you know that never happened and we are still making all of our payments on time and still have no clue where this money went. I've emailed the company on several occasions and still have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This company is calling my employer over and over within XXXX they have called my employer 6 times. They have called me from the Phone numbers listed : XXXX ; XXXX ; XXXX. They will call and hang up or they will call and ask for me while speaking to my co-workers acting like a patient. I work for a XXXX company and they are calling acting like patients and they are a debt collector. My employer has requested for them to stop calling.

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019, I instructed a wire transfer to be sent to my Capital One checking account. When funds arrived, while marked as available, it was also marked as a " pending transactions ''. 

The " pending transaction '' label is misleading as wired transfer is complete once the wire " hits '' on the receiving bank 's end. The " pending transaction '' label creates an impression that this amount is still subject to additional bank review, as opposed to fully unencumbered. 

This is unacceptable especially as Capital One charged additional wire transfer fee for this capability. 

I request the CFPB ( and Federal Reserve and the OCC ) to compel Capital One to remediate this misrepresentation urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: AZ

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-05-21 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: NC

Complaint narrative:
I contacted Transunion via phone on XX/XX/19,XX/XX/19,XX/XX/19 and sent a letter via certified mail on XX/XX/19 regarding the inaccuracies that are being reported on my credit report. I have been a victim of identity theft and the information that is being reported is not accurate. I am upset that the information that is being reported inaccurately has not been removed.

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 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ditech Financial LLC
State: ND

Complaint narrative:
I recieved mailing from prodicence advocates to help refinance my mortgage I had set up with ditech financial. They sent me documents and said they could settle with them and lower my apr payment and current balance and said not to pay them nor contact them as they would do all that during the process..XXXX  XXXX was the sr case manager he was with XXXX XXXX XXXX   XXXX XXXX XXXX XXXX . XXXX XXXX XXXX : XXXX Toll-Free :  XXXX Ext. XXXX Fax : XXXX XXXX He told me to mail money orders via USPS to this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone is XXXX which I sent them payments as advised I starting getting late payment notices via ditech I asked XXXX repeatedly bout it he said not to respond or contact or pay that he is taking care of it ..after a foreclosure notice I contacted ditech and found out I was scammed and brought to the attorney general 's attention and they investigated and was able to get my money refunded to me but has no authority of reversing my credit and I have tried asking ditech to remove my 90 day late on my credit report back XX/XX/XXXX by writing them a letter of hardship on what happened to me explained everything and they denied it I again called XX/XX/XXXX they again denied it but said they will send another request to have it removed ... please contact the attorney general out of North Dakota to search the case thank you I want the 90 day late removed from my credit report from ditech they said it will be on for 10 yrs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
I had put in a dispute claim because I was XXXX  and had wrote netspend for the XXXX in S.C. telling them it's not me spend my money. They sent me out an letter so that got me permission to call them and order a new card to the jail. When I got out put in the dispute claim and they gone tell me they don't see an error. Money being spent XXXX XXXX and all over XXXX and I'm XXXX  the whole time.

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 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
Guild Mortgage Company rejected both my Mother and my payments. The Note Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XX/XX/XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XX/XX/XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. 

BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: TX

Complaint narrative:
In the spring of 2018, I began receiving numerous harassing phone calls from Perfection Collection Services in regards to a debt I allegedly owed. The calls always had someone saying they were on the way to my house to deliver important documents to me or my attorney. They even contacted my elderly mother in this same way. No one ever showed up to deliver any such documents, so this was clearly a tactic to intimidate me. When I finally talked to someone from Perfection Collection Services in regards to these calls, I asked for an accounting of the amount they claimed I owed. The woman on the phone very rudely told me that she was not a " customer service department '' and could not give me that information. I asked again saying I needed to verify that the amount was correct, and she refused and said " we will see you in court! '' and hung up on me. The harassing calls continued. On XX/XX/2018, I sent a validation request letter ( copy attached ) to Perfection Collection pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ) requesting information that could help me understand the amount they claimed I owed. All I received from them was a copy of the first page of my contract with their customer, XXXX. I received none of the other information I requested and am legally entitled to under the FDCPA, especially a complete accounting of the debt. To this day, I have not received the requested information. As a result, I now have TWO invalidated collection amounts of over {$1600.00} affecting my credit report in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Home Mortgage Alliance Corp. (HMAC)
State: IL

Complaint narrative:
I got a email saying someone was using my security card number in different states, buying things, in places like Texas and in a few other states thank you XXXX XXXX, have a nice day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Paid my total balance of {$210.00}. The date in my check book is XX/XX/XXXX but I mailed it on the XX/XX/XXXX according to XXXX XXXX. They said they received it on the XX/XX/XXXX. As far as I'm concerned I've paid the debt but they have called me countless times and continue to send me bills and increasing the charges. Thank You, 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 monetary relief