vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: GA

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016

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 2018-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: ME

Complaint narrative:
I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: HW Holding, Inc
State: TX

Complaint narrative:
sent hacking police report and ftc they wont fix my credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: VA

Complaint narrative:
I disputer this collection, because this was not submitted to them sooner. 
XXXX the company they claim I owe the debt to. XXXX have not notify me of any debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Made a legitimate substantial {$12000.00} electronic transfer payment towards reinstatement on XX/XX/XXXX of which they received on XX/XX/XXXX. Mortgage Service Company held and returned the payment on XX/XX/XXXX where the bank it was returned to will take 3-5 business days to process the payment back into my account. The loan servicing company is insisting on a wire transfer method of payment, which I refuse to use due to too much fraudulent activity, as that is the preferred method of scammers. Now based on the method of waiting, I now will have to pay a much higher amount after the XX/XX/XXXX. The Sevicing company is OCWEN Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: RI

Complaint narrative:
On XX/XX/2018, I applied to refinance my student loans with SoFi and was denied. According to the adverse action notice, the people at SoFi " carefully reviewed my application '' and could not currently grant me credit. The reasons are unknown, because I need to submit a letter to them requesting them. This is very unfair, as I believe they should automatically tell me these reasons in an adverse action letter.

The company did a soft credit pull and put this information on the adverse action letter. The credit score there was lower than any score I've ever had ( I frequently check - my score is typically in the 720-750 range, and this was less than 700 ) and noted serious delinquency. When I looked at my free credit report, there was no indication of any delinquency at all. If this was a reason I got denied, then this is ridiculous since it is untrue.

I did speak with someone when I originally applied, and they stated my working less than 2 years would be a reason for denial. I have worked a little over a year and a half because I graduated college two years ago and spent a semester in grad school. I found a job within weeks of leaving school, and was " unemployed '' for less than 2 months. I don't understand how a company that works to refinance student loans can penalize an applicant for working less time because the time up to when I started working was made up of me attending college, which is why I have the loans in the first place. This seems very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc
State: MO

Complaint narrative:
XXXX XXXX has agreed to buy back! I demand you remove this account from all 3 bureaus while I take bike to dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent hacking police report and ftc they wont fix 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 explanation
Consumer complaint received 2018-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent hacking police report and ftc they wont fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery the creditor accepted payment in lieu of deletion. Once they took payment out they promised to delete this account but have not complied with their promise. BESIDES THIS ACCOUNT IS OVER 7 YEARS OLD AND HAS PASSED A STATUTE OF LIMITATION, AND I WAS ONLY THE AUTHORIZED USER ON THIS ACCOUNT BUT THEY FORCED ME TO PAY THREATENED LEGAL ACTION AND JAIL IF I DIDN'T PAY NOW THEY ARE IGNORING MY CALLS, LETTERS AND ALL REQUESTS TO HAVE THEM COMPLY AND REMOVE THIS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX from the collection agency reached out to me about a supposed debt of XXXX. When I asked for her to provide me with written debt validation, she refused. She stated that their company policy was to only provide that information after I requested for it in writing. Per the Fair Debt Collection Practices Act, as a consumer I have they right to request a debt validation letter after first communication. To be refused this information, is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: AFNI INC.
State: GA

Complaint narrative:
In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: OR

Complaint narrative:
I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.

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 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Received a satisfaction of Judgement dated XX/XX/XXXX. They continued to garnish my pay until XX/XX/XXXX. When I contacted the company to be reimbursed I was told they needed time to update their files and s check was mailed to me on XX/XX/XXXX. As of today XX/XX/XXXX I  have yet to receive it. When I call I never get a straight answer. They even went so far as to tell me to check my bank accounts to see if it is there. They never had my bank info so that is another lie. The name of this agency is Portfolio Recovery Assoc XXXX XXXX XXXX XXXX XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a letter to Portfolio Recovery for an account on my credit that is not mine. Copy of my letter attached. I asked them for signed credit application and one statement. on XX/XX/XXXX Portfolio replies that they need my request in writing ( Mind you, I did it in writing then how and why did they reply to me?. ) Their Letter is attached with my reply.On XX/XX/XXXX, They sent me a copy of a statement as proof of debt. On XX/XX/XXXX I reply that the address on the statement is not my address, therefore this shows that the account was opened via fraud. Copy of statement showing wrong address attached. on XX/XX/XXXX they replied that they did not receive the information they requested from me and that they cant complete the investigation to which I replied that I did reply and requested a fraud packet ( Copy of their letter and my response attached ). on XX/XX/XXXX they replied again that since they did not receive the information requested they were terminating the investigation to which I replied what additional information they want from me on an account that is not mine.on XX/XX/XXXX Again they replied that they have not received the information requested and can't complete the investigation. ( Copy of their letter and my reply dated XX/XX/XXXX attached ). On XX/XX/XXXX They said the same thing, they have not received information from me. I replied today XX/XX/XXXX, attached is their letter and my reply. As you can see this company plays cat and mouse and keeps ignoring the fact that I already told them that the credit card statement they sent me contains an address that is not mine, copy of that statement is attached for proof. I no longer know what to do with this company I previously filed a complaint against them and they sent proof, yes but with an address that I never lived at so here goes my complaint again, lets see what they respond to you now. I can play this game with them eternally, let 's see what games they play with you the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, Compass Bank withdrew {$1400.00} from my savings account with no notice. When I contacted the bank the next day, I was informed that they were withdrawing the funds and returning them to the IRS because an IRS refund for my father, XXXX XXXX, was deposited into my account. The representative with the Fraud department at Compass Bank explained that because the name of the individual for whom the refund was for and the name on my bank account did not match. The representative also explained that someone from Compass should have reached out to me and provided me the opportunity to prove the refund did in fact belong to a family member. I was never provided this opportunity. The individual I spoke to on XX/XX/XXXX confirmed that no such attempt was made. When I asked if I could still provide the necessary documentation at a local bank and have my father verify he had in fact asked me to process the refund into my account, I was told the funds had already been returned to the IRS. The representative stated she had left a message for the investigator assigned to my account to contact me. No one ever contacted me. 

My father has reached out to the IRS on multiple occasions in an attempt to locate his refund. On XX/XX/XXXXa representative at the IRS stated that the IRS had not received the funds from Compass Bank and that they would perform a trace to try to locate the funds. 

On XX/XX/XXXX, I contacted Compass Bank again and spoke to XXXX in the Fraud Department. When I told her the IRS had stated they had not received the funds, XXXX explained that Compass had not returned the funds as they previously stated, but instead had been holding on to them until they could return all funds collected from all customer 's bank accounts at one time. Today, XX/XX/XXXX, XXXX initially stated the funds had not yet been returned to the IRS. She then amended her statement, explaining the funds have already been returned. At this point, I do not have any means to confirm the funds were returned to the IRS. 

Both my father and I have spent an great deal of amount of time trying to track down his refund. If Compass would have reached out to me as they should have, I could have resolved this issue the same day. But, no one ever reached out to me. I have been lied to and my account has been grossly mishandled. I completely understand that Compass must comply with the IRS request, but they never afforded me the opportunity to resolve the situation as they should have. The IRS agent my father spoke to on XX/XX/XXXX stated that if we would have been able to clearly identify the refund and prove ownership and that it was not fraud, Compass Bank would not have needed to return the funds. They could have been released to me and/or my father.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I started paying my mortgage payment in XX/XX/XXXX and never had a issue, Im making close to {$10000.00} a month. Someone had my debit card with PIN number than used it but I had my card on my possession the whole time, this happened in XX/XX/XXXX and the bank froze my account XX/XX/XXXX and XX/XX/XXXXwhen the mortgage company tried taking money from my account it was declined because my bank froze my account till further investigation they said. I wrote to freedom mortgage to get the2 missed payments in XX/XX/XXXXand XX/XX/XXXX out of my credit bureaus and they refused, I sent them all the proper documents needed. This was my last way of resolving my negative items.

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 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
This company repeatedly calls my job. This has been occurring for the past few months. Today they called asking to speak with my supervisor. They told the receptionist they were going to garnish my check if they did not speak with my supervisor. This company has also called family members and friends repeatedly asking questions about me. I have voice messages that they have left on family members phones as well as text messages from my family stating they have contacted them, I have asked them repeatedly on the phone and via email to stop contacting my friends and family and to stop calling my job everyday. However, they continue to do this. They have been calling several times per day to my job and to various family members. Today when they told my receptionist at work about garnishing me I have decided to seek help here to stop their horrific, unfair and illegal debt collection practices. This is now jeopardizing my position at work and needs to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: KS

Complaint narrative:
On XX/XX/XXXX, after receiving a preapproval letter and qualifying for a mortgage purchase back in XX/XX/XXXX, we were advised by our local NACA office that they were declining to allow us to put a contract on a house due to maternity leave despite the fact that we are no longer on maternity leave and have returned to work and despite the fact that when we were off for maternity leave we utilized banked leave time and our pay never changed. 

After a chain of phone calls and emails over the past couple of days, we were again advised, this time in writing that, as a broker, they are exempt from the fair housing act portion that states denial solely due to maternity leave status is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: LA

Complaint narrative:
I filled a complaint a week ago pertaining to a Reverse Mortgage with AAG they responded with justication that didnt include pertinent information saying they did things according to HUD requirements they gave me estimate again and not actual!! Just No answers! Show me proof that they have tried to help me? Yes we have spoken many times but no resolution and why cant just one person walk or talk me though I am a Senior Citizen speaking to so many people asking for things and when u send it you speak to someone different and then they ask for something else how did they address my home being foreclose on before my husband was dead a year well simply more date days after anniversary of death to XX/XX/XXXX! Well again where is the help for Seniors and what shall I do about my Living arrangements with my XXXX XXXX XXXX  and It just confirmed I have XXXXXXXX XXXX in my The house Thur testing company! One of the people I spoke to told me that my cirstances were not the normal, therefore I expect more from any company that has program geared to seniors! That movie Star that advertise for this Company needs to drop them and take out the words that this program help Seniors because it hasnt helped me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation