vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: KS

Complaint narrative:
Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry. 

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry. 

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it. 

Inquiry # 5 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

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 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
There has been a failure to reimburse escrow funds to the customer. 

After the sale of my home on XX/XX/XXXX Franklin American Mortgage owed me {$2200.00} as reimbursement for funds in escrow. According to my account online, two checks were made out to me one for {$32.00} ( written on XX/XX/XXXX ) and another for {$2200.00} ( written on XXXX XXXX, XXXX ). I have received the {$32.00} check but have n't received the {$2200.00} one even though the larger check was processed earlier. It is now well past the time that the company claims a customer should receive their refund ( 17 business days ). I have spoken to customer service representatives on the phone several times but keep getting conflicting information regarding when I can expect to receive my funds. One told me that I should receive a check within 7 to 10 days. Another told me that they have placed a stop payment on the check and it will take 14 days to re-process another check. I deem this poor and misinformed customer service. I have attached a copy of the {$2200.00} check that I downloaded from my account online ( but have n't yet received ). 

I would like to receive my check of {$2200.00}. I would also like the business to alter their guidance to customers on the timeline of escrow reimbursement. In this case, this timeline has been misleading.

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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows 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 2018-01-24 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: GA

Complaint narrative:
Several people have access to my credit report and are using the information to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On or around about XX/XX/XXXX I mailed out a certified dispute validation letter to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Portfolio Recovery Associates stating that on XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) has concluded its investigation of your dispute and is closing your account. With XXXX balance. But have not removed the negative item from my credit report. I have made every attempt to resolve this matter as the damaging inquiry on my report continues to hunt my credit score. I can not get them to contact me or respond in any form of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
Several people have access to my credit report and are using the information to ruin 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 2018-01-24 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: GA

Complaint narrative:
Several people have access to my credit report and are using the information to ruin 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 2018-01-24 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: GA

Complaint narrative:
I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 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: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXX XXXX XXXX, XXXX, SC XXXX bear on this situation. I have had an ID fraud XXXX information breach and an inaccurate loan for Nationstar came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on XXXX. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and Nationstar attempted and illegal active service XXXX XXXX to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX County Commissioner sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: VA

Complaint narrative:
I do not remember when I have opened my XXXX XXXX account in response to an advertisement or so. Since then I barely received professional business services or practice. So, I have requested to close the account few times. They have not closed it. Then, I stopped using it. Still they sent me new card before the renewal. I dumped them. I again received them in the mail following year. This time I did not destroy them, but did not use them. 

Same or following year, I used it. Again, same problem and customer service is basically a customer harassment service. Nothing works to fix their errors nor do they understand simple math. So I asked again to close the account and destroyed the cards. 

I did not follow up after that. Two years or one and a half, they sent visa card, this time this was some of XXXX subsidiary or small contractor. I do not have any idea, who applied for the XXXX card. The Old account is gone and I was needed to create a new account. 

I started using the card, about 4/5 months earlier, I received a statement showing I have interest for $ 3- {$4.00}, I did not pay them but asked why there were interest. Few days later I received an on-line response, saying I did not pay my balance in full. 

THIS CLAIM IS TOTALLY FALSE. 

I do not carry any balance, ever, and that applies to all of my credit cards! regardless the balance is {$1500.00} or {$15000.00} I have never carried balance. I always pay the balance in full. I asked for proof, no response. I then asked to close my account in writing, as attached. But no action. I the meant time that interest must have grown to 3/4 folds. I clearly declared that I am not responsible for any charges if the account is not closed. 
I have written to XXXX XXXX on XXXX18, but no action besides leaving a voice mail to call someone. If I call, after waiting for a while I have to listen to their lies. Also, I can not keep a document of what they are saying. But they would not respond in writing because their lies will be exposed. I have repeatedly asked them to close my account, please see attached. They did not close my account. I have asked for proof, no response. I have investment accounts with fidelity, I am removing them as they are no longer trusted and involved in improper business practice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOAN TO LEARN
State: FL

Complaint narrative:
Upon checking my credit score I noticed a school loan appeared on my report from a company named Loan to Learn ; However this is not my account I did not co- sign for this and garnishments are being taken out of my paycheck. There 's been a 20 % garnishment that has been taken out of my paycheck each month for the past year, not even a 15 % garnishment which is the legal amount for Florida. I have tried to contact this company several times and now the company is no longer in service. Several complaints have been brought up against this company for fraud and I 'm afraid I am a victim in this matter. I have also contacted the HR department for my company and they do n't even have any information about what the garnishment is for and where the money is going to. My next step will be to contact the IRS, Credit Bureaus and a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Two attempts were made in previous years to apply for the Student Loan Debt Forgiveness program. Based on my understanding of rules regarding this program, I should have qualified for debt relief of up to {$17000.00} because I satisfied the terms of the program ( I was a XXXX XXXX in a XXXX XXXX XXXX for a period of 5 years with no break in service ). However, I was denied forgiveness on both occasions and was not given clear rationale or information on how to dispute the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
This is a credit card that I use monthly, but I also took out a cash advance in XXXX. Since XX/XX/XXXX, I have been paying the credit card balance in full each month ( statements attached to show this ), but they are still charging me interest on the cash advance. I tried talking to their customer service, but they could not explain to me how I was paying the balance in full each month sinceXX/XX/XXXX, but still being charged interest. There is no extra " balance '' showing up on page 1 of the statement, and I am not sure how I am supposed to pay more than the balance due each month, or how I am supposed to get rid of this supposed cash advance balance that seems to somehow be hanging out there each month and accruing interest. I have attached all statements sinceXX/XX/XXXX that show I have paid the balance due on page one of each statement in full each month, but also on page one it shows I am being charged interest - which is reflected then on page 3 of each statement as an interest charge for a cash advance balance ( but there is no where on the statement where this is reflected  in my balance owing on the statement, and therefore no way for me to pay it off ).

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 2018-01-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I initiated a wire transfer for {$8000.00} to XXXX on XX/XX/XXXX before XXXX PT. Their web site ( XXXX ) states that wire transfers should arrive the same day if placed before XXXX PT. I called my bank and confirmed that the funds had left my account. I checked my XXXX account and my Coinbase account that day, yesterday, and today and see no sign of an incoming transfer being recorded. I contact Coinbase support via email but have not heard back. 

A XXXX search led me to dozens of people complaining that they had initiated wire transfers for thousands of dollars that have still neither appeared in their Coinbase or XXXX accounts, nor were returned to their respective banks. The Coinbase subreddit is flooded with complaints about failed wire transfers : XXXX XXXX XXXX/CoinBase/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a credit card with Capital One and have made the monthly minimum payment required according to the mobile application on my phone. XX/XX/XXXX I made a payment of {$70.00}, which the app reflected a minimum of roughly {$60.00} due. My credit was reported as 30 days late for the month of XX/XX/XXXX immediately after payment was processed on XX/XX/XXXX. I spoke with customer service on XX/XX/XXXX and was told it was 3 days late, not 30. They filed a dispute for me then. 

I spoke with Capital One again today and they told me I was {$3.00} behind for XXXX 's payment, not XXXX. I was told what their system saw vs what I can see on my mobile app ( I do not use paper billing ) differs and that 's where the problems lies. If I was {$3.00} behind for XXXX, then the app should have told me minimum payment due then was {$28.00}, not {$25.00}. Also the next month 's minimum payment amount should have included an additional {$3.00}. 

Where I 'm confused at is if the mobile app tells me that minimum due then ( XX/XX/XXXX ) was roughly {$60.00} then my {$70.00} payment should have covered it all. Also why report XX/XX/XXXXlate if the {$3.00} past due was owed for XXXX? 

I only made during the month of XXXX what the minimum payment posted in my mobile app told me. I have never had a late payment with this company and I hold XXXX separate credit cards with them. Some months I 've even made payments twice. 

I took a 70+ point decrease with this mistake. Capital One has told me 3 different things by 3 different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC.
State: PA

Complaint narrative:
XXXX XXXX, who is claiming to be an attorney, has called and text messaged me from XXXX XXXX numerous times after being told he is contacting the wrong person and has contacted me before XXXX multiple times. He has also called me from other numbers after being told I would not answer his calls. This morning he also forwarded messages to clients of my business. The debt is in my father 's name, he has called his place of work and numerous family members stating the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Private Mortgage Insurance ( PMI ) of XXXX $ was established and signed on Closing disclosure for my home mortgage. I was paying this amount to the original lender ( XXXX XXXX ) of this loan. Everything was going good. 

I recently got notified that my loan is now sold to WellsFargo. Wellsfargo is not following the PMI amount ( XXXX $ ) established on Final Closing Disclosure and changed my PMI from XXXX $ to XXXX XXXX They are charging me XXXX $ more than the amount finalized on closing disclosure. I understand that property tax and home insurance are subject to change but Principle, Interest and PMI amounts MUST NOT be altered during loan term. I repeatedly explained them that they are not allowed to tamper with legal closing disclosure documents and it is illegal to alter PMI amount finalized on closing disclosure. But still they are not fixing 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