vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 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: NJ

Complaint narrative:
On XX/XX/19 I spoke with XXXX at Capital One, who advised me of plans to bring all 3 of Capital One Accounts update. For the first credit card he advised me if I paid XXXX on XX/XX/19 and then another payment of XXXX on XX/XX/19, the remaining past due balance of XXXX would be waived. Then for the 2nd card I was advised I needed to make one single payment of XXXX on XX/XX/19 and the remaining past due balance of XXXX would be waived and for the last card. I was advised to make a single payment XXXX on XX/XX/19 then past due balance of XXXX would be waived. I asked XXXX multiple times if this information was correct and he assured me everything he was saying was accurate. I made all the following payments on the given dates, only to contact Capital One on XX/XX/19 and to be advised the information was incorrect or they had no idea, or the payments just made my account current and they would have to review the calls, As a Capital One card holder, I think their business practices are scrupulous and what makes it so bad it was on a recorded phone line and their reps should not give false information in order to get a customer to make a payment. On XX/XX/19 I spoke with a very condescending and rude rep by the name of XXXX XXXX, who first claimed the call was from XX/XX/19 then she placed me on hold and came back on the line and claimed the the rep didn't provide me this information, and I requested to speak with a Manager or someone else the rep refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: MI

Complaint narrative:
they keep sending for me loan with fixed payment offer with your rsvp XXXX many times than i said let me try to get loan XXXX for XXXX $ a month but they say sorry your crdit score is XXXX and sorry we cant give to you my score is XXXX and they are scam they dont want to give loan why make for me offer is just discremintions they want to destroy my life for these actions i have house and iam in good to take the loan and they say take XXXX loan iam on ssi XXXX $ i can offered to pay for them why they don.t want to give loan its a game thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2019, I contacted Equifax to get a credit report and to freeze our account. When I tried to get to my account online, the web site would not accept my log on and locked my account. I called Equifax and the person told me to try again. I told her I tried several times and I tried to reset my password several times but the account stayed locked. She said the system was having problems and I should try later. I told her this has been going on for several days and she just said there was nothing she could do. I then asked her to freeze my account while Im on the phone and after several long waits, she said she needed to ask me questions to verify who I am. She asked me if I had a mortgage and who with whereas I answered correctly no. She again asked who with and I told her I did not have a mortgage. She then asked if I had any major loans and who with which I again correctly answered no. She again asked who with and I told her I had no loans or any mortgage. She said she was sorry and that if I could not answer those questions she could not help me. I asked to speak to her supervision who asked the same questions almost word for word. At this point I told them that I answered their questions correctly and what else did they need. The supervisor told me that I should get my credit report to see what it said whereas I told her that is what I was trying to do. She said she could not help me and that I should write in to Equifax to make the request. 
My wife, who was having the same problems with her account then got on line to freeze her account. She answered all the questions asked but the supervisor said she could not help her and she should write in as well. 
I had no problems with the other two Credit Agencies on freezing my accounts but Equifax, who created the security breach, was uncooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a {$440.00} purchase with XXXX before I closed my checking account with Chase. 
I ended requesting a refund with XXXX as I found a better room with a better deal. This refund was issued to the closed account with chase. I contacted them on XX/XX/XXXX regarding this refund and they told me I would receive a physical check within 10 days. I have called a total of 4 times this past month and I am told something different every time. Either its that I will receive my check within 10 days or they are waiting for some department to approve the check. 
I even talked with head of customer service XXXX XXXX who assured me the process was in motion. 
Regardless its been over a month and I still have no answer as to when I am to receive my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was XXXX to XXXX for the past year. During that time I was late on some mortgage payments. Wells Fargo has credited back all of my late fees however they will not remove them from my credit. These lates are causing me to not be able to refinance my home ( cash out refi ) so that I can pay off all my bills.

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 2019-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
The collection company, DIVERSIFIED CONSULTANTS, is saying that I owe them an amount of {$870.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once on XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by DIVERSIFIED CONSULTANTS is unlawful and they should not be reporting this amount to my credit this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I called Bank of America to report fraudulent charges on my account amounting to XXXX and they stated they would investigate and they would submit a hardship form so I may obtain a temporary credit. They closed my case and determined they were valid charges even though I have no idea why I was charged that amount

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 2019-06-03 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: TX

Complaint narrative:
XXXX has inaccurate information on credit report.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this as a Qualified Written Request for ; 1 ) An  unredacted copy of the letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/XXXX, for Property Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please, also pursuant to ... '' written request you are entitled to the following information : '' " Copy of the signed Note ''. Please accept this as a Qualified Written Request for a ; " Copy of the signed Note ''. For clarity, I am in possession of a copy of the XX/XX/XXXX " Promissory Note '', however, I have not been provided a copy of the " Note '' as referenced to in the XX/XX/XXXX letter defined above. 

Thank you - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
FCN reported several medical accounts on my credit report for XXXX XXXX Hospital sometime in late XX/XX/XXXX. I called them and advised them it was I had never been to XXXX XXXX Hospital nor did I live in the area that XXXX XXXX Hospital is located in. 

They advised me I need to provide a police report and fraud affidavit, so I filed a report with my local sheriff 's office. This official report was provided to Financial Credit Network in XX/XX/XXXX. It is now XX/XX/XXXX and the accounts still remain on my credit report. 

I called FCN to see why the have not removed this, and they claimed they needed " proof '' I was not in the hospital on those dates. I advised the representative that I have rights under consumer protection laws that are invoked as soon as a proper law enforcement report and fraud affidavit are filed with them. They must remove any fraudulent information from my credit files. Asking me to prove a negative is not a requirement under the law. I am the victim here, and after providing a law enforcement report, under penalty of perjury, they must respect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that Trans Union remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX-XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXXXXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. Trans union need to delete this account 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 2019-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Student Loan Financial Assistance
State: SC

Complaint narrative:
Today ( XX/XX/2019 ), I received a voicemail from a representative ( identified herself as " XXXX XXXX '' ) who presented herself as being affiliated with the federal student loan services and had updated information about my defaulted loans. I returned the call, which was answered by " XXXX XXXX '', he said " XXXX is busy but I can assist you! ". He proceeded to tell me that they were able to offer me an income-based loan repayment plan and described how it works. He asked me some " identity verification '' questions, which seem legit at the time because I believed that I was speaking with someone legit. He said that I would not have a loan payment due for 90 days, but then described 3 monthly payments of {$190.00} as a fee. I did not realize what was happening at first, it seemed like a wonderful opportunity and I was caught up in the joy of getting my credit repaired and taking care of my debt with reasonable payments. It was not evident that I had been taken advantage of and scammed until I received an email stating that my password for my federal loan account had been updated. It turns out that the man on the phone, without my knowledge and without my consent, had used my information to reset my password and access my account information. I called back to the direct line that XXXX provided and it was answered by a man named " XXXX '' who said " XXXX is busy but I can assist you! '' I told him I have spoken to enough people and I want to speak to a supervisor. He put me on hold, came back on the line a few minutes later and said he had put a hold on the transaction until XXXX could call me back. I told him I want a supervisor and he then said he would have XXXX call me and disconnected. XXXX called me a few minutes later and assured me that their company ( Student Loan Financial Assistance ) was affiliated with the department of education and were an approved loan servicer, but he did as I asked and cancelled everything. I received the email confirmation minutes later.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : Simple Bank I deposited a {$1000.00} check via mobile deposit on Friday, XX/XX/2019. The check was handwritten by an employee of my parent 's company. I have deposited checks with a larger value than this without issue. I have deposited checks from this same company without any issue. 

Most mobile deposits from Simple result in a next-day or two-day hold. This check had a five-day hold which resulted in an entire week without access to the check funds. 

I called Simple Bank to resolve the issue - which I believed was related to the check being handwritten ( i.e. thought to have been fraud ). 

Simple Bank does not allow any customers to speak to call center managers - as policy. Simple Bank  does not allow any customers to speak to their fraud department or anyone related to check deposits - as policy. 

My first support agent told me to cash my checks if I needed the fund quickly, which defeats the purpose of having a bank. The next agent told me that five days is standard for checks. 

I believe Simple Bank is misleading customers. They advertise via their website and XXXX   that checks are normally available next-day. Their support representatives tell customers that five-day holds are actually the standard turnaround time. 

I have had to put an entire week of financial transactions on hold for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: HI

Complaint narrative:
XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX received missed call at work from them XX/XX/XXXX called me at work told them my employer does not allow personal calls halsted financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Called multiple times over the years for a debt occurred during previous marriage in 2004 from AMERICAN General Finance for an amount of {$2300.00}. This was all settled when exwife sold the home and moved out to her new home bought by parents. It has never been in my credit report and with interest they are placing it my report and threaten to garnish wages, etc for next 10 years. The company calling is XXXX XXXX XXXX out of CA. This debt is not owed and I am not paying something to a company in a state of crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: DE

Complaint narrative:
Compalint : : PHH Mortgage Services XXXX XXXX XXXX XXXX. Nj XXXX XX/XX/XXXX My name is XXXX, and I have a property in the city of XXXX, Delaware. I have lived here since XXXX with my family. 
Phh Mortgage Services took over my mortgage in XX/XX/XXXX. 
My complaint and frustration, is on a payment that I posted on with there bill pay on XX/XX/XXXX, the amount of {$1600.00}. PHH Mortgage, claimed that they never received it. I have documentation from my XXXX XXXX checking account, supporting that PHH did retrieve the amount of {$1600.00} on XX/XX/XXXX. 
I have faxed to them my request to investigate this very matter. Plus many phone calls. I, am putting this letter together at this moment why ell, I`m waiting on hold to speak to a agent in the US, I was put on hold by a agent in the XXXX, for 25 minutes at this time.A supervisor in the research department a XXXX. XXXX XX/XX/XXXX. 
This is the second time and I`m so very tired of thees company tacking advantages of us that are put in this situation, of having to deal with the subprime company 's. 

Thank you, XXXX XXXX Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
We are trying to gain 3rd party authorization to speak with the lender and they are refusing to speak with me. the borrower is deceased, but we provided a death certification and letters of testament - and we are still being refused authorization to speak on behalf of the deceased borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan Chase keep putting a charge off from XXXX on my credit report as if the Charge-off is current. The original card was a Chase XXXX XXXX XXXX. I recently was denied a personal loan because I had {$1000.00} Charge off debt from JP Morgan dated XXXX. I receiving JP Morgan number XXXX from the bank that denied me. I was informed that JP Morgan credit service knew the debt was charged off and they kept reporting it a current on purpose. They informed me to get it removed I need to contact the credit bureau. The Credit bureau stated JP Morgan is reporting it as current which is not true. JP Morgan is using unfair credit practices. I believe they JP Morgan Chase is doing this to other customers and needs to be stopped.

Company response to consumer: Closed with non-monetary relief