vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XXXX XXXX 2017 our title company sent a payment to Capital One as part of our closing agreement. When the payment was n't posting and Capital One could n't give information I called the Title Company in the XXXX week of XXXX. They told me the check had been returned to them ripped up even though they had followed Capital One 's procedures listed on the statement and they had reissued another check to them. I called Capital One and asked to speak with a supervisor. I spoke with XXXX ( ID # XXXX ) she assured me she would make sure they received the check that the title company issued for my account and my husbands account and she would make sure an interest fee was not applied since the original check would have made it in time to pay the accounts. She told me if she could n't find the check or there were other issues with the way the check was submitted by Monday XXXX XXXX she would contact me. I then closed both Capital One accounts. On XXXX XXXX Capital applied both payments ( one for my account and one for my husbands account ) to my account causing the closed account to be overpaid and my husbands account not paid. Rather than trying to deal with Capital yet again I figured a check would be issued back to me and we could pay my husbands account over the website. On XXXX XXXX I went to the website to see that instead of issuing a check to pay back the over payment Capital one had charged an interest fee. I called and spoke with XXXX ( ID # XXXX and then she told me ID # XXXX ) she told me that they would refund the interest fee and issue a check by Friday XXXX XXXX. By XXXX XXXX the account had nothing showing the interest fee returned and no check being sent out. On Saturday XXXX XXXX I again called Capital One to see what was going on. I was told that a interest refund had not been submitted and the agent talked with her supervisor and came back on the line to say instead of refunding the {$49.00} interest charge they just applied a {$50.00} credit and the check would be mailed out. The account is still not showing the credit and a check has still not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am divorced from a very XXXX man it has taken me 6 six years to free myself from him, this company found my Ex-husband looking for me. He went to my work today, however my employee knows of the XXXX and would not let him see me. he than waited by my car to tell me the company contacted him looking for me. This man is abusive physically and mentally by them calling they have now put my life in danger. I work in a place that now has to watch out for my visitors. How can they be allowed to just risk a persons life without finding out the details. This is awful from this point on I will be documenting all contacts with the company, if something should happen to me it will be on them

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX    XXXX ,2017  I went to ATM to take {$200.00} off my acct. Transactio n declined but American Express still debited my acct  for  XXXX  and ATM fees. I called them they told me I must dispute it. My AE bank acct was finally credit back my funds of {$200.00} almost 3 months later on  XXXX   XXXX ,2017.      XXXX    XXXX ,2017  I seen  XXXX  unauthorized transactions on my account from a company that wrote my card info down for  XXXX  and  XXXX  I calle d American Express Ser ve and told them they were unauthorized why these charges we 're still pending they told me a stop payment could n't be done and I had to let the thief 's take my money and to do a dispute once the transactions we 're completed.      XXXX   XXXX ,2017 I filed a dispute for both the unauthorized transactions  XXXX  and  XXXX  and was told it could be up to 45 days before my money was credited back to my acct. My card was canceled and a new one was supposed to be sent out so this could never happen again.    XXXX    XXXX  ,2017  American Express  credited my account for  XXXX  &  XXXX   XXXX    XXXX ,2017  Before I even had the chance to remove my money from my acct  American Express let th e same thief 's that stole from me before clear my account again. I called them right away as the unauthorized transaction of over  XXXX  is still pending asked them how this was possible if they canceled my card and they told me my card was never canceled and I had to wait for the unauthorized transactions to go all the way through and reopen another dispute. American express let the same thief 's that I just had a open dispute with clear my account again. So now I have to wait up to 45 days again for my money to be credited back to my acct and that 's if they give it back. Because of this my lights we 're turned off & me and my  XXXX  kids were evicted from our home. They have no sympathy for there mistakes nor do they care anything about there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I obtained a copy of my credit report through the app  XXXX   XXXX . I noticed that there was an account on the report that had several errors in it and I disputed the account online through TransUnion. I waited for an investigation result asking for verification of the documents that the credit bureau used to validate this account and none were provided when I called on  XXXX  to check the status of the report the agent told me that the results were given online and that the account was validated by calling  XXXX   XXXX  and they referring that the information was correct. I asked the agent again what documentation did TransUnion have at the time that they validated this account and I was referred back to obtain documentation from  XXXX   XXXX  I asked to speak to a supervisor because I was aware that I could ask for validation of an account and the documentation that was used the agent told me that they were within the correct reporting rights and that there was nothing that she could do. I asked to be transferred to a supervisor the supervisor then told me that the account by verbal confirmation was validated through  XXXX   XXXX  again asked her what information did they have in their files at the time that the information was given she notified me that there was no documentation given. I told her that this was a violation that there are several components that need to be verified before the account can be placed on the credit bureau she again told me that this is within the rights of the credit bureau I told her that if she did not have documentation or could not provide any that the account needed to be removed until the documentation could be given. She said that she would not do that and I told her that I will be filing a formal complaint

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 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Platinum Holdings Group, LLC
State: MI

Complaint narrative:
My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American International Finance, Inc.
State: IN

Complaint narrative:
I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX / XXXX /   2017 Capital One C redit Card charged on my account twice with the amount of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC
State: NJ

Complaint narrative:
I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
an account was fraudulenty p laced on my credit file by transunion. Below is the account information i have requested a proper verification several times from transunion to prove that the account is mine or else they need to delete it frommy cr edit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.     XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am the durable power of attorney for my son. I have filled the DPA paperwork with Navient over 2 years ago. I have called repeatedly in response to mail only to be told multiple things, they do n't have th e DPA  on file, that it has expired ( they were reading the expiration dat e of the notary 's commission ), that they are unable to speak with me regarding the loan becasuse I am not empowered to deal with his loan, that I have filed the wrong paperwork, that they do n't have a valid signature, etc. This is just trying to renew his income-driven repayment plan for this year. The same thing happened last year. I am resubmitting paperwork again today per their request. There is no one at Naviet that I am able to speak to or who has corresponded with me that that is empowered to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted Equifax,   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!

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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / 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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX and XXXX Nobody could help me remove these inquiries that are not mine. Wells Fargo XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET

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 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The company   XXXX   XXXX   is trying to verify our account and has not done so in a timely matter therefore keeping us from accessing borrowing money from them. They 've been trying to access our account since  XXXX   XXXX  it is now  XXXX   XXXX  and they have the option of us contacting the bank or filing a complaint so that we can be able to borrow the 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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
an account was fraudulenty placed on my credit file by XXXX. Below is the account information i have requested a proper verification several times from XXXX to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me. XXXX XXXX - ACCT # XXXX DATE OPENED XX/XX/2016 BALANCE {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}

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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX / XXXX /   2016   XXXX / XXXX /   2016   XXXX / XXXX /   2016  Are all dates that disputes to Experian have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.

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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.

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