vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
I monitor my credit as I am rebuilding my credit to purchase a home in the near future. Over the past month XX/XX/2019 SageStream LLC who now proclaims to be one of the 3 major credit reporting bureau 's has been shown on my credit reports, conducting a hard inquiry when I have not authorized them moreso ever heard of this company to apply for anything from them. Furthermore as I explained to several representatives at Sagestream is that, XXXX, XXXX, and XXXX  doesn't practice any of these unlawful acts, showing they're a third party creditor who is making continuous hard inquiries without consent, without cause, and more importantly damaging the consumers credit. Last but not least, sagestream was damaging to my reputation, provided false information regarding my real average credit score that ultimately cost me time and money. Sagestream stated publicly my credit score was 206 points lower than what XXXX, XXXX, and XXXX  had reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is illegal in the United States for a credit bureau to charge for a credit freeze, so Experian makes it almost impossible to place a security freeze on one 's personal credit report. An answer to the attached letter of XX/XX/2019 ( Exhibit A ) would be appreciated. Exhibit B was an attempt to get an answer on line. I have never had a problem with any other credit bureau.

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 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I am having very bad experience with remitly, they transferred wrong amount to my foreign account, waiting for them for last 10 days on reply, i noticed this after long time that I received wrong amount, it would have gone unnoticed for somebody else who is doing business with them, I understand no systems are prefect but after knowing that they transferred wrong amount they are not taking any action, I was assured to resolve this in 24-48 hours now today is 10th day and no action Transfer number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I live in and XXXX XXXX XXXX XXXX XXXX  in XXXX California. The Thomas Fire XXXX XXXX - XXXX ) destroyed many homes and businesses in the XXXX area. Because of that fire many people lost their homes and had to move out of the area. This seriously affected my business because I lost a large number of clients. Then after years of drought, we had heavy rains in XXXX. Because the landscape was gone, the area suffered severe flooding. Those people who hadn't lost their homes in the fire, lost them due to flooding and mudslides. Again, I lost clients due to these natural disasters and I was not earning as much money as before. Also, my business was damaged by the fire and the flooding. 
I tried to modify my loan with XXXX  but they only offered me a repayment plan that had payments much higher than I was previously paying. On top of that it had a balloon payment at the end of the repayment plan. My business has still not recovered from this loss and I can not afford the high monthly payments XXXX   offered and I certainly can not afford a balloon payment at the end of the repayment plan term. I am afraid of losing my home. I missed payments because of my reduced income and XXXX  does not seem to care that some of the worst natural disasters in California history affected me personally. 
I am lucky my home was not destroyed but between losing my clients and some damage to my place of business I am not earning what I had in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) New Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) Old Account - XXXX - XXXX ( loan total ) - XXXX ( payment amount ) When the old account " XXXX '' transferred to the new account " XXXX '' the principle payments were not applied. This resulted in my balance being reset. The payment amount also changed. This is an interest only loan associated with my main mortgage. I financed my down payment through a mortgage program offered during my transaction. This is also reflected in my closing documents. I now have a billing statement that went from $ XXXX to {$1300.00}. They're also charging escrow and principle on this loan which is not allowed. 

I have contacted this company multiple times, but no one has corrected this issue. I want to get this resolved. I have never been late on any payment and shouldn't have to chase the bank down to rectify this error. 

The larger loan seems to be correct, but I would like to see how the payments were applied just to verify that the principle balance is being reduced.

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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking account with Capital One. I was overdrawn for {$7.00} and wasn't notified that I was. I have gone to one of their locations to turn off the overdraft twice and still, nothing has changed. After being charged with many overdrafts fee 's of {$35.00} each day and not being able to receive a new debit card after it expired a month ago, I went to close my accounts with Capital One. Capital one banker was unable to close the account because of my negative balance. I would have no problem in giving {$7.00} to close the account, however, the fees that I didn't know about accrued to over {$140.00}. Capital One banker was able to remove {$70.00} worth of fee 's but was unable to remove the rest of the fee 's, therefore leaving me unable to close the account. With the current negative balance, they are still allowing charges to be placed. I am looking for all of the overdraft fee 's to be removed and to reverse all those additional charges, so I can close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My home mortgage loan was bought out by another company ( Freedom Mortgage ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company FREEDOM Mortgage took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XX/XX/XXXXwhich has hurt my credit score. They have reported the same exact thing in XX/XX/XXXXwhich is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XX/XX/XXXXand the no payment of XX/XX/XXXXreported truthfully. It was not until this week that I finally cleared this up with the loan company Freedom Mortgage. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken Freedom Mortgage all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.

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 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
I purchases a product online from XXXX XXXX  for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them. 

I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity-Theft and have previously reported this to the Local Police, FTC, XXXX, XXXX, Experian and Creditors. I have placed Fraud-Alerts and a Freeze on my reports previously. I have once again befallen to Unsolicited or Unauthorized Inquiries from creditors that I have not given permissible-purpose to acquire. 1.XXXX  XXXX  XXXX XXXX ( XX/XX/2019 ) 2. XXXX ( XX/XX/2019 ) 3. XXXX XXXX XXXX ( XX/XX/2019 ) 4. XXXX XXXX ( XX/XX/2019 ) 5.XXXX  XXXX  XXXX ( XX/XX/2019 ) 6.XXXX XXXX  XXXX  ( XX/XX/2019 ) 7. XXXX  XXXX XXXX ( XX/XX/2019 ) 8. XXXX XXXX ( XX/XX/2019 ) 9.XXXX XXXX/XXXX  XXXX  ( XX/XX/2019 ) 10. XXXX XXXX ( XX/XX/2019 ). 11 XXXX XXXX ( XX/XX/2019 ) 12. XXXX XXXX XXXX  ( XX/XX/2019 ) 13.XXXX  XXXX  ( XX/XX/2019 ) 13. XXXX XXXX ( XX/XX/2019 ) 14. XXXX XXXX ( XX/XX/2019 ) 15. XXXX ( XX/XX/2019 ) 16. XXXX XXXX  ( XX/XX/2019 )

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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Back in XX/XX/XXXXof 2018 I started receiving Fraudulent activity on my account I let navy federal know about it they didn't do nothing to protect my account they deny my claims and then froze my account saying that I can't use for 1yr until XX/XX/XXXXof this year, so I got my Financial aid check from my school and then they basically told me that I will have to pay them 200 dollars to unlocked my account but they saying the reason why because there was a charge back of XXXX and 30.00 but they can not give me what the Institution name but I don't know why if I let u know that I have Fraudulent activity on my account I let them know I didn't make that deposit because I had to sign a Affidavit saying it wasn't me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: The CBE Group, Inc.
State: SC

Complaint narrative:
I spoke with this company on XX/XX/XXXXto advise of the incorrect information thats reporting on my credit. I asked to speak with someone in the compliance department to get this issue resolved and was told that I couldnt speak with anyone. This item is reporting and I dont owe the balance. This is hindering my current employment and if this isnt resolved I will be terminated from my job. My job has given me 7 days to get this issue resolved or Ill be terminated from my job. If that happens I will file a lawsuit against the company. Attached I have a ledger from the school stating that I dont owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: Recovery One, LLC
State: AL

Complaint narrative:
I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. XXXX  removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: AL

Complaint narrative:
I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. Equifax removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race. I submitted for fraud address to be removed and they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX hired a collection agency for equipment that was not promptly returned after service was terminated by me. I sent XXXX the equipment back using their return arrangement with XXXX XXXX XXXX about a year ago. The collection agency stopped contacting me, and now it has started again. I do not owe XXXX. They have their equipment. The amount in dispute is {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
One Main Financial ( formerly known as Springleaf Financial ) has conveniently terminated a loan contract ( XX/XX/XXXX) that was supposed to be covered by XXXX payments through XXXX XXXX XXXX for account # XXXX. 

All required paperwork was completed and approved by my doctor, myself and XXXX from XX/XX/XXXXthrough XX/XX/XXXX. However, I just discovered that One Main Financial has recently decided to forfeit the contract and claimed that it expired although theyre at fault and have added frivolous and erroneous fees to the account. Furthermore, they have erroneously turned over the account to a collection agency. This will result in additional fees from the collection agency, ruin my credibility and credit report. 

I attempted to discuss and resolve this issue with XXXX, One Main Financial Branch Manager, however, he refused and threatened to call the police because I asked for an explanation and informed him that I intend to sue for bad business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I been banking with BBVA for a few months and they wonderful for the most part. I have tried to take out personal loan, refinance my car as well as signature loan and have been refused in all areas. Im also going thru hardship especially mentally the VA has diagnosed my person having XXXX and XXXX. Im with a law firm that has ensured that the 20 plus years the military and VA have intentionally under diagnosed and not treated many of my health issues till this day but justice and fairness will prevail. I am plagued by years of medical bills and my ability to manage my finances tend to suffer. I have lots XXXX in thinking there alwsys better options and not trusting others are acting in my best interest after the fact which then makes me question them and myself and then seek better options. I feel when this banking offer for overdraft which I originally denied due being in a better mental state but now my XXXX was intense due to VA has delayed in providing my medical records to my law firm and it seems my finances were spinning out of control! I struggled but took my chances that everything will work out. This fees that accumulated during this 1st episode totaled to about {$970.00}. Now the 1st my deposit of XXXX was less than {$2000.00} and I paid what I could plus the automatic payments occurred then I was looking at deficit since I had other bills that couldnt be met. I went to taking chances to increase my funds since my bank wouldnt extend a loan but great at removing the funds from my account. The overdraft would cover a certain amount but each transaction would cost {$38.00} and if the amount is still in the negative after 7 days the bank will charge another {$28.00}. So an overdraft withdrawal of {$100.00} XXXX XXXX. Now if that amount isnt paid in full by 7 days later another XXXX is then added. In my state Im thinking next day the VA and my law firm will come up with a resolution and these fees will be no issue but unfortunately that not the case. I now feel I am being preyed on for their financial gain. The VA is already holding my meds and stopped my travel pay plus this ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
XX/XX/19I set up auto pay online with my mortgage company to start XXXX and received an email confirmation and an on screen confirmation of the start date. I made an online payment XXXX for {$1200.00} to be current for XX/XX/XXXX's payment. 
XX/XX/19I received notice from my bank that an auto draft came out from my mortgage for {$1200.00} which was a duplicate payment as they were not authorized to start until XXXX. 
I contacted the company and made them aware of the situation of the draft in their error and asked for a refund as it put me in hardship as I am paycheck to paycheck. The customer support line said they would put in a request for refund and should occur within 7 days. 
I called for status updates and spoke with several supervisors who were of no assistance on when someone would look at my case. I requested the escalation team of which over a dozen phones calls nobody is able to give me with confidance anything is being done. The entire company is based off of email and all I keep getting is we emailed them with no updates. 
XX/XX/XXXXI finally was told that they would auto credit my account as that was how they took the funds. I didn't receive refund after 3 days and called back with it was mailed as paper check and now once I get it would be held by my bank for 10 day ensuring me that 7 days I would get the check. After 10 days with no funds I called the escalation team and they said we don't even know if it was mailed we will email someone ... .I was then told that they would request to stop payment and have someone overnight me a check again they would have to email someone nobody can call anyone or transfer all done by email to the dept XX/XX/XXXXcalled for updates daily and now I was told today that they re-issued a check and that dept didn't respond to the email the escalation dept sent and regular mailed my check ... ..still waiting and no assurance of my money they took without my permission. The customer support was unacceptable with no assurance that it would be handled. Everyone passed the buck to an email response. I used to be with XXXX XXXX and they sold us to Specialized Loan Services ... has been a horrible experience

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