vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am a co-signer on Student Loan. I would like to be released. The borrower/student has made payments faithfully for almost 4 years, never been late, has an excellent credit score, and an exemplary work record, continuously employed since graduating. 

Sallie Mae has twice denied the release, the first with a CODE 14 Insufficient Income for amount of credit requested. Second the same reason. We have no problem with that determination, but we do have a problem that Sallie Mae wont provide the metrics that allow us to set our goals to be released as a co-signer. 

We have the right to know the values that need to be aligned such that a cosigner ( s ) can be released. The credit score was very good ( XXXX ) and the payments have been prompt. To encourage us debtors to endeavor to be financially responsible and to seek the path of freedom from debt we need to be provided with information to set targets and goals. 

Personally, I think it is immoral that this information is not provided at the onset. I think it is sad the effort we have to undertake ( calls and letters ) to receive this rightful information, and further sad for those that do not have the time or the means to seek this information. 

Sallie Mae requires : I have demonstrated a satisfactory history of making the required 12 consecutive, on-time payments of principal and interest immediately before applying. 
I have no student loan ( s ) in default. 
I have not been reported as 90+ days delinquent in the past 24 months. 
I have no student loan ( s ) currently in a hardship forbearance or modified repayment program. 
My account is not delinquent immediately before applying. 
I must meet age of majority requirements in my state of residence ( be old enough to enter into a legally binding contract ). 
I must be a U.S. citizen or permanent resident at the time my request is processed. If my citizenship has changed since I applied for the loan ( s ) in question, I will provide proof of citizenship. 
By releasing my cosigner ( s ), Sallie Mae is not releasing me from my loan obligation ( s ). 

It would be so easy to also require the other information that Sallie Mae requires which the consumer has no idea how their decision is made. By example : Credit Score greater than xxx Debt to Income ratio less than Loan Balance is x percentage of Income Or other metrics they use to evaluate When you call Sallie Mae their representative can not give that information. I have asked to speak to a supervisor, and they have failed to call me back after several messages left on a voice mail. Very frustrating. 

In closing I think their evaluation criteria should be transparent and easily accessible prior to submitting the release request. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I deposited my paycheck through the Bank of America mobile app to my checking account. At the time of deposit, I was informed the check would be made available the next day. However, when checking my account for funds on XX/XX/XXXX, I learned that a deposit hold had been placed on my account and funds would be made available on XX/XX/XXXX. 

On XX/XX/XXXX I contacted numerous Customer Service Representatives at Bank of America who were completely and totally uncooperative. They said that, even though I was promised availability of funds the next day, there was nothing they could do. Further, they were unwilling to involve anyone else who may have the ability to review the deposit and make funds available. 

My paycheck is drawn on an account managed by XXXX, a payroll processing company, on a local bank. There is absolutely no reason to hold an individuals paycheck for that long, as this is 2019 and payments are processed electronically through the clearinghouse. Further, funds can be verified by simply calling the issuing bank and verifying funds.

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 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: AL

Complaint narrative:
This company was very rude from the first time I spoke with them. I had just had my son and was currently on XXXX  leave. When I told them that I was just getting back to my normal that told me it wasnt there problem and I shouldve made better financial arrangements prior to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
phone message doesn't state what kind of debt they are collecting and I don't have any outstanding debts. Receiving phone calls and messages almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I went to Drive through of Wells Fargo on XXXX XXXX XXXX, PA. And retrieved money. The agent who assisted me reached out to me and informes me she gave my Driver License and Debit car to the wrong car and she was going to call them so they can return it. She asked for my phone number so she can call me when they drop my card off. I parked and immediately I went inside to talk to the manager. All they say was they can cancel my card and give me a new one. I brought to their attention whoever got my card they knew everything about me. My name, date of birth, DL number, My address, everything and the manager stated again all they could do was to give me a new card. So I am reaching out to you because I am extremely upset and their own policy is to protect my personal information and they violently that. They didnt care or were careful they just gave it away.

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 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been trying to withdraw funds from my Coinbase.com account ( Cryptocurrency ), for the past month. Currently, my Litecoin, Bitcoin, and Ethereum Classic are sitting in my Coinbase vault accounts. In order to transfer the cryptocurrency from my vaults to regular wallets, I need to approve the transfer of funds from a secondary email/phone number which are both no longer active. Because I don't have access to my vault 's secondary email or phone number, I can not approve the transfer to my regular wallet or approve the withdrawal of funds to my bank account. I have tried contacting Coinbase via email and phone, and have not had my issue resolved. They told me they could manually transfer the funds from my vault to my regular wallet and then delete the old vaults. This would allow me to withdraw my funds. They had me authenticate my account, but I have not heard anything since. The company continues to say they are working on the case, but I have not had any resolution or update. 

I have contacted them via phone on XX/XX/XXXX XXXX. 

I have contacted them via email on multiple dates, they have not responded : The latest contact was XX/XX/XXXX. 
The original date of contact was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
Last year I applied for a VA loan to finance the purchase of a new Manufactured Home. I called Veterans United in XXXX, MO XXXX XXXX and spoke to XXXX XXXX. We discussed the fact that this was a new home and I was having problems finding someone that could finance a " Builders Loan ''. As you know most lending institutions can refinance a manufactured home after it has been purchased but few can do the builders loan. Mr XXXX assured me he could do this and in the following days/weeks I sent " All of my wife 's and my personal information. It wasn't until after the collection of our personal information that XXXX called me and said that Veterans United was unable to continue as they also were not capable of this type of loan. 
I informed him of how unprofessional this was, and that he had collected our information probably unlawfully. Until today I have received only random advertisements from Veterans United. Today XXXX XX/XX/2019 we received NOTICE OF ACTIN TAKEN in the mail. This is unacceptable, somewhere our information is still being accessed. I feel XXXX XXXX and Veterans United should be held accountable for this.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian, XXXX and XXXX have put an unauthorized Fraud Alert on my credit report. I called experian and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist 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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
Lending tree advertises 30 year mortgage rates. When you inquire about this loan ( what company is offering this rate ) they will not provide this information. 
They refuse to give you any information validating their advertising claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 our business account held at XXXX XXXX was debited for {$180.00} and {$200.00} through an ACH transaction. Unfortunately we did not report the unauthorized transaction within the XXXX hours required by ACH for dispute so the money was gone from our account. The money was transferred to an account held at Capital One. We were unable to get any additional information from Capital One because of privacy regulations. We are planning to report the issue to : aw Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
The account was not being paid by my ex. I have taken over payments and have brought it up to date. This company is impossible to deal with. Every time I have contacted them to try to get things fixed all I hear is that they cant help. I have requested for them to update my credit report and they refuse to update my credit report. They just keep saying we have to file a complaint with the credit reporting company to get it fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX, Transunion and XXXX have put an unauthorized Fraud Alert on my credit report. I called experian and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist 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 non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX, XXXX and Equifax have put an unauthorized Fraud Alert on my credit report. I called XXXX  and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: BB&T CORPORATION
State: TN

Complaint narrative:
XXXX XXXX of BB & T in XXXX XXXX, TN pulled my mother in laws credit report ten times back in XXXX of 2018, which ruined her credit report rating. He has since caused problems of rudeness. He told us the loan we applied for, of which he pulled her credit ten times, was denied however we never received a letter stating why. He refuses to answer our questions. I have been told to report on Regulation B.

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 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I had a credit card debt through XXXX XXXX bank that was turned over to midland funding that was then sent to XXXX XXXX. I paid XXXX XXXX but I can't get them to report the debt being paid to the credit bureau. XXXX XXXX has lied, made false statements. They are playing games with the consumer. How this company is able to operate is beyond me. I have falsified documents from their office. I've read numerous complaints regarding XXXX XXXX yet they're still in operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: ID

Complaint narrative:
In mid XXXX I went in and applied for a loan on behalf to help my brother saved his home from the state of NC, due to being in a hit and run 6 months before, a XXXX for 10 days. As I saw him in XXXX and could tell he had recovered an awful lot.I received XXXX in a loan and was not enough to help him so went back with XXXX dollars, was told to come back on the first of XXXX. Had XXXX dollars on the first, which was half way paid for. A clue of weeks later, got a card about refinancing. Needed groceries, was sick and under a lot of stress at the time, but did not realize that they had started back with the XXXX amount till I had signed the papers. Went home found receipt and realized that the XXXX dollars I had paid was no where on them. Have attempted trying to find out why, and the lady upset me so I called there headquarters in S C, got disconnected and felt that I as being XXXX and only one income had been ripped off. So I called the XXXX XXXX XXXX and they gave me your number so I felt that I needed to make a complaint. As I am too old for for kind of abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with equidad in order to add an statement to an account that was closed illegally by the lender. Once the investigation was completed I received an email to see the results. When I tried to access the results the equidad website directed me to call them in order to confirm my identity. I called them and they said they were unable to help me over the phone in order for me to access the results online. They claim they do not have a technical support department to see why I can not access the results online. I spoke with supervisor XXXX who was totally unhelpful and seems like she was making up excuses to get me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: UT

Complaint narrative:
I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2019-08-05 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: AZ

Complaint narrative:
i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXX XXXX  Never had this card or account XXXX XXXX Never had this card or account XXXX XXXX / card Never had this card or account

Company response to consumer: Closed with explanation