vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the account.

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 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I mailed from XXXX XXXX Post office mailbox a check from my employer. I put it in a pre-printed envelope going to my bank, XXXX 's XXXX XXXX. A week later it had not been credited so I reached out to them. I started searching for the check and found out that on XX/XX/XXXX the Bank of America cashed the check that was clearly marked deposit only to my account number. The third party, XXXX XXXX XXXX, signed his name and crossed out my account number. I have been without the funds ever since. I filed a police report, a mail fraud report, and have reached out to Bank of America. My employer filed a claim through their bank, XXXX. That Claim XXXX  XXXX. There's been no word on the progression of the case. 
This has caused a significant hardship as I am a teacher and that money was to get me through the summer. I have fallen behind on financial obligations since the amount of the check was for {$6900.00}. 
Per Bank of America, their policy for cashing a third party check states that either the payee is present at the time of the cashing or the check was endorsed over with the words pay to the order of the third party. Neither of this was on the check. In addition, their site also says that fraud issues will be addressed within 45 days. We are well beyond that now. 
No one is willing to speak to me as I am not the account holder the check was written from rather I am the payee. 
Can you please help me to recover my 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 explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
SECOND REQUEST!!!! 
Company is refusing to remove the item from my credit reports. The item is a valid identity theft issue and the company refuses to validate this account which is also a violation of the fair credit reporting act. I want signatures and social security numbers, address or else I will be forwarding this to a consumer attorney to sue them directly. You also never mailed me the first collection letter giving me the opportunity to contest this collector account. You have violated my rights in three different ways and I will continue to fight this legally!!!!!!!

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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a capital one credit card since XXXX and I never missed a payment. I usually made payments through my XX/XX/XXXX account. Fast forward to XXXX I lose my debit card from XX/XX/XXXX so i start making payments from my sisters bank account. On the capital one app there is no option to delete a payment method! Only to add a new one! So I add my sisters debit card and make a payment ( ON TIME ) the next month comes around and I go on the app and make a payment for {$300.00}. Unknowingly choosing the wrong bank account ( because theres no option to delete a payment method that you can no longer use ). After a week I get a notification saying that the payment was returned. I call capital one and they say to call my bank. I call my bank and they tell me the funds are available that there shouldnt be a problem. Now at this moment I have no idea that I chose the wrong payment option so I dont know whats going on. Next monthly payment is due and I try and make a {$1000.00} payment I wait a week while it says processing and after that week it tells me returned again. So I call capital one again and they tell me to call my bank. Now this time I call my bank and the lady tells me she doesnt see any transactions for {$1000.00} and thats when I went back on the app and saw that I had been choosing the wrong payment option! So I chose the right option and made the payment and it went through only for capital one to close my account a week later because of fraudulent activity how is this fraudulent activity? It wasnt a random account I was trying to make the payment with it was a account that I had used to make payments for 2 years! Because the capital one app doesnt have the option to remove payment methods! I think it is very unfair for them to have closed my account because of 2 missed payments. When I called capital one they said there was nothing they can do and there was no way to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TX

Complaint narrative:
I have been calling exquifax daily trying to get my credit file correction it was another flie with the same social security number as mine I had been asking them to fixed the issue they said it takes 24/48 hours to fix the fraudulent information on my file I have proof recorded conversations they are rude and disrespectful and I'm the one that can't apply for anything because of their mix up that had been on my files for years I have proof of the two mixing credit report I just want my information to be corrected I did file a FTC report several times because of the mess they are very unprofessional and don't care for the consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Century First Credit Solutions
State: NY

Complaint narrative:
Hi. Is XXXX XXXX. What happens is that l already fulfillet my contrato and nobody has Bothered me enything, and l paid everythyng, l need a quick solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Late charges were applied inappropriately and will not be reversed. They have just sold the loan and will not refund late charges despite accepting responsibility for error. 
-- -- -- -- -- -- -- -- -- - EMAIL SENT XXXX Ms. XXXX, Thank you for taking my call. As you stated, you do not accept partial payments, and any payments that are made will be held until a complete payment is received. 

Nevertheless, in making bi-weekly payments, you applied my payment to principal on two occasions thereby putting my account into a late status.

There were two charges of XXXX that were applied on XX/XX/XXXX and XX/XX/XXXX 2019. They were paid out of my account monies on XX/XX/XXXX and XX/XX/XXXX contrary to Loancare policy. 

Please accept this as my demand for a refund in the amount of XXXX. Please send a check to the address of record. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loans began in XX/XX/XXXXwhen my first of 3 children went to college. These were government loans through Sallie Mae. These loans went through various payments, deferments, etc. while various payments and interest was applied. In XX/XX/XXXX, there were 2 loans left and they were consolidated and a set amount was paid monthly on time since then. Progress has been slow because the interest rate is 8 % and in many discussions with Sallie Mae, they advised the way to get ahead was to apply lump sums to the principle and that will help move closer to paying these off. Navient is the servicing company now and I have started making lump sum payments but they refuse to apply them as I ask ... They take the interest and say they must split my payments and take all their interest first. This is illegal and they are stealing money from millions of people trying to pay back loans. I see that there is a pending law suit for just this practice and I want to join in because they have done this and I am forced to continue to work at age 70 to pay these off. I support paying for my loans but they are trying to make themselves rich at others expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Group, Inc.
State: OR

Complaint narrative:
Repeated back to back phone calls on XX/XX/2019- 5 calls in a 20 minute period from Asset Systems. This is while I'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for the credit card for the purpose of home improvements and was approved for {$18000.00}. On my online profile, it now it shows approx {$4900.00} credit limit. I made attempts to reach out to customer service, however I was not able to reach anyone. I am seeking the reason for this reduction.

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 2019-10-08 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: DE

Complaint narrative:
I found out I was a victim of identity theft in XXXX of 2012,. I have been fighting and fighting accounts that were on my credit file that does not belong to me and was unauthorized by me for that many years. The Police Department, the Federal Trade Commission, my Attorneys at XXXX XXXX XXXX, the three Credit Bureau Agencies and the Credit Rights Organization were all officially notified. XXXX and XXXX had blocked all of the fraudulent accounts per the official documents received. However, Transunion left one account that is officially labeled as fraud, and told ME that it is NOT fraud, and that they verified that it belonged to me, which is impossible. I received no notice as to why they did this, because it was NOT filed or authorized by me. Therefore it is not even a question of is it mine or not, if I am telling you and filing legal documents under oath that I did not authorize it. Therefore it is your job to remove it under 15 U.S.C. 1681-c-2, 15, U.S.C. 1684m ( f ), 15, U.S.C. 1684s-2 ( a ) ( 6 ), and Under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ).

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 2019-10-08 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 am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
First Quarter 2019 : Submitted to have PMI removed to my loan servisor, XXXX. I was rejected and told I needed an appraisal. I agreed to the appraisal and paid for it. The appraisal was completed and a new value was determined. The new loan to value ratio did not reach the XXXX 's requirement until XXXX. 

XXXX : Submitted for the removal of PMI since I had calculated that My Loan to Value ratio reached their threshold of 75 % XX/XX/XXXX : Received a rejection letter XX/XX/XXXX : Called I disputed the PMI removal rejection. They said I needed to fax to XXXX to dispute with any documentation. Fax sent on XX/XX/XXXX with a letter, calculations and their previous appraisal. 

XXXX : Called. The fax did not reopen the case so I had to request that it be reopened. Explained to the rep that my calculations are correct. The rep agreed XX/XX/XXXX : Called. Rep confirmed that the case was re-opened and that I would have to wait until XXXX to hear the conclusion. 

XXXX : Called to get results of re-opened case. Rep said that PMI removal was denied due to LTV ratio not being 75 % or less. I explain again that it does and the department that does the calculations is using the wrong numbers. I also tell them I faxed in all the documentation. The rep says that the fax didn't get linked to the case. The rep says that I need to email the documents so that it is attached to the case. This is different from the call on XX/XX/XXXX. The rep said that once I email the documents via their web form, I will get a ticket number that she can used to pull the documents and attached to the case. I never got the ticket that day. 

XXXX : Still have not received a ticket number so I resubmitted the documents. Still did not receive a ticket Note : They have the current property value. It is displayed when I log into the portal. The are using the original property values from when I purchased the house instead of the current property value. The new value was determined in XXXX by an appraiser that they hired. They have all the data but they will not use the correct data to make the calculations.

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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I closed my Citi Secured card and called to get my secured deposit. The citi representative told me that I would receive my money via ACH in one to two business days and when that did not happen, I called them and they said oops the check will be send out via paper check. This is very unacceptable. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I can't submit my new card information to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I signed an auto loan with Santander on a XXXX XXXX through XXXX for {$19000.00}. Since that time, I was diagnosed with XXXX XXXX and we experienced Hurricane Irma so we got behind in our payments. At the suggestion of Santander, we agreed to a total of three extension agreements. We were told that the past due payments would be " added to the end of the loan ''. The result was that between XX/XX/XXXX and XX/XX/XXXX, I made payments totalling {$9300.00} and yet not one penny was credited to principal. So, as of XX/XX/XXXX since inception, I had made payments totalling {$17000.00} but my principal balance had been reduced by only {$1900.00}!! When I questioned this, I was told some double talk about " simple interest ''. CFPB sued Santander for not disclosing how principal interest would be allocated on an extension. That matter was settled but when I questioned three people at Santander including a Supervisor, they had no idea what I was talking about. I had the impression that Santander would be giving relief to customers affected. 
Due to my illness I have been running three payments behind but I have made a full monthly payment every month for the past year on the date I receive my Social Security  check ( 2nd Wednesday ). Yet I get 2 and sometimes 3 calls a day on my cell phone from Santander and when I ask them to stop ( many times ) I was told they can't because their computer dials my number. They leave voice mails and threaten repossession even though I pay every month and they tell me sometimes that the repo order has been sent until they cancel it, I should hide my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc
State: UT

Complaint narrative:
On XX/XX/19, I was contacted by Joseph, Mann , & Creed stating that I owed an amount of some {$200.00} amount to XXXX XXXX XXXX. I was never contacted by them via writing ( as required ) prior to communication attempts by the company. I have double checked my USPS Informed Delivery and have no receipts of their attempts to mail me the required information. I called them back and told them I was disputing the charge as the charge back was legitimate due to not receiving items that we were charged for and XXXX did not reply to XXXX 's numerous attempts to contact them within the time window.

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 2019-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have a new credit card with XXXX XXXX  for XXXX and it was only added to XXXX. I spoke to Equifax and XXXX  and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
Dates I can not provide as this problem has been ongoing for about 2 years and everytime I call them I am under the assumption that my problem was resolved. It started in winter of 2016 when I asked them to cancel my subscription. They did for few months when I started to get billed again. Since then I have called several times and I am always fighting with them. Last phone call was before the new year and the person I talked to wouldnt accept my cancelation. Instead he kept giving me rebuttals. After an hour on phone I accepted 2 months at XXXX and was supposed to be canceled then. As of today, it hasnt stopped. Money is still being taken out of my account. This is 3 times already over about 2 and half years. Everytime I call it always ends up in their favor no matter what. Im to the point I dont even want to call anymore but I want this stopped. The fee was little over priced at first ( which I dont remember ). Then they dropped their price everytime until now and its XXXX reaccuring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation
State: MO

Complaint narrative:
Approximately XXXX of this year ( 2019 ) I submitted a claim concerning unexplained withdrawals, in which case I was granted a refund. It was supposed to be put on a new " XXXX XXXX '' card. They placed the money on the previous card, in which I lost or misplaced ( {$430.00} ). I requested a new card and was instructed to fax my drivers license along with proof of address. ( They sent the letter to my current address stating my refund. I have yet to receive it.

Company response to consumer: Closed with monetary relief