vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have one late payment reported o credit report it is from Capital One Credit Card in XX/XX/XXXX. I sent in a check ( # XXXX ) from my XXXX  business account on XX/XX/XXXX in the amount of {$1000.00} it was never cashed until XX/XX/XXXX. I am unsure what happened if maybe it got misplaced in capital one mail-room or something but if the check would have been applied to my account on time I would have avoided the late payment and the interest charges for that many months on the {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: NC

Complaint narrative:
I have a mortgage loan with Provident Funding. We sold our home. It closed last Monday on XX/XX/2019 at the law offices in XXXX, North Carolina. The payoff was received by Provident Funding on XX/XX/2019. Provident had evidently quoted a XX/XX/XXXX payoff to the attorney 's office, and I just found out today that Provident refuses to process payoffs if they are short by even a penny. They returned the payoff to the closing attorney. Mr. XXXX XXXX of Provident informed me today that the payoff was short and I needed to give him a phone pay equal to {$24.00} per day for each day after the the XX/XX/XXXX payoff. I did that. If the attorney does not return the funds today he said he would be calling me back again to get all the additional days of accrued interest. I called the lawyer and they confirmed that Provident returned the payoff in full to them and they are sending it back to Provident again today. Mr. XXXX told me they really do not care what other banks do because they have their own internal policy. Why in the world could Provident not just go ahead and process the payoff, then hold the account open until the borrower pays the remaining balance full? Why the many days of higher than necessary per diem interest? It's their policy, and it's a bad one. In this case I continue to pay interest on {$260000.00} when I really only owed them one day at {$24.00}. It's not criminal, but it's not the correct way to handle a payoff, either. It's just a BAD internal policy and unfair to any consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Technology Federal Credit Union
State: NY

Complaint narrative:
Someone in XXXX Texas  stole my identity.I was born in XXXX. Live in XXXX XXXX, 25min drive from where I was born. This guy came back to XXXX Texas? After 31 years this guy comes back and has 5 different addresses? He has 2 different addresses in one credit bureau. One address is for a business, a parking lot, an apartment, a house. I provided all my info, the only one on my side is XXXX, the other two have still have his info. According to them he has everything From Social Security Card, Birth Cert, State ID, and passport. I have XXXX XXXX, XXXX on my side saying that individual is lying. XXXX  refuse to give him a credit card twice due to the information he provided to them was inaccurate. The only one who took the bate was First Tech Federal Credit Union. He has a car loan and a credit card with them. After 5 months Im stuck. I did freeze my credit. Thats the only positive thing I have so far. I have no idea what else to do. Yesterday I went to social security administration and they gave me the same info i been doing for 5 months and nothing else. My friend in the NYPD and FBI have told me the same. " These GUYS, use multiple addresses and go fishing to different banks or businesses they can open a credit card, they have everything from Social to passport and even hire people to pass them as a relatives. We have thousands crossing the border. They pay {$5000.00} to {$7000.00} dollars to cross them at the border. They have bank account numbers written in their cloths. If they can pay XXXX to cross them over, they do have {$2000.00} to buy your info in the dark web. '' XXXX  did a check on the emails, phone number and so on. It came out in the report my email was in the dark web. Same email I use to send personal information to the companies I work for ... ..Its been a long 5 months ... ... ... Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: Receivables Performance Management, LLC
State: NV

Complaint narrative:
Unverified Account Account Name : Receivables Performance Management Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate to the Credit Burous. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account.

I mailed Request for VALIDATION, NOT Verification letter to the original creditor ( Receivables Performance Management ). I requested Receivables Performance Management to provide me with any proof that the account belongs to me. Receivables Performance Management never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management. A second Request for VALIDATION, NOT Verification letter was sent to Receivables Performance Management. Receivables Performance Management failed to respond again. The second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had my Kohls XXXX  used without my knowledge or permission.Fraud started around XX/XX/2017, total of $ XXXX have sent the company copies of police report.The company says there is no fraud.There was XXXX people involved and both have been reported to the police.Kohls needs to admit this is fraud and clear my credit, plus issue to me a new card.The XXXX involved also opened up a new account in my name.This was also reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Spoke with two Experian rep, also disputed with XXXX  and XXXX and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two Experian representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against Experian for violating my rights as a consumer.

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 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Mistakenly made a payment from my old bank account shortly after changing banks, they closed the account, fine whatever, XXXX, but their right. Since then I am unable to make online payments, I can not be tied to making phone calls to make payments, nor does my bank account have checks, its a checkless account since I don't write checks, everything is ACH

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 2019-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have private student loans with Navient which I have been struggling to pay because of their request for a high monthly payment and have also struggled to secure a secure salaried job. 

From XX/XX/XXXX to XX/XX/XXXX I was a XXXX XXXX XXXX and was not able to continue making the monthly payment amounts they were requesting. I made payments while in service as a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

In XX/XX/XXXX I was sent a summons by Navient 's debt collector agency called XXXX XXXX XXXX XXXX XXXX, XXXX, which is presented as a law firm. I went to court on XX/XX/XXXX and agreed to a repayment plan of {$45.00} a month until XX/XX/XXXX. 

My concern is the total amount of loans I have with Navient will be placed with the collection agency XXXX, XXXX XXXX XXXX XXXX, XXXX and I would like to have a feasible repayment plan for the total amount of student loans I have with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
In XX/XX/2019 I paid off the credit card balance by phone with a representative of Continental Finance Matrix Card division. 
During the conversation it was clearly discussed to close out the account and the representative advised once the funds cleared the account would be closed and acknowledgement was received on XX/XX/2019. In XXXX I received a collection call regarding past due funds and I shared with the representative the XXXX conversation and confirmation and was advised this would be corrected and resolved ASAP. 
In XXXX another call and another conversation with the party stating they did not show that but would get resolved. This party was not pleasant to deal with and I felt threatened. 
In XXXX again more calls and was told funds being assessed to account including late charges and must be paid. Also received a collection letter and my credit has been reported as late as well as seeking {$74.00} in fees for an account again paid off and closed in XXXX. Each time the party being spoken to has become unpleasant and threatening. In good faith I paid the debt in full, and was told resolved and now being threatened in collection and credit report reporting as late. I am on social security XXXX but in good faith resolved this and seek this being closed and my credit being corrected

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 2019-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
My daughter had a payout from a lawsuit when she was a child. The money was placed in USAA Federal Savings Bank in a mutual fund account under a guardian conservatorship account, myself and her Father were listed as conservators. This account came with restrictions, that money can only be taken out by court order. My daughter is now XXXX years old. At XXXX all restrictions were to be lifted off of the account, by court order, and the account was be transferred in only her name. We recently tried to access the money to withdraw some for personal use and to either put the money into either a mutual fund or a CD, in only my daughters name. Even though we have provided the court order that removes the restrictions and have filled out the change of account form and requested to open another account, USAA has refused to service the account. The mutual fund is still under conservatorship with restrictions. They have not opened a mutual fund in her name only and have refused to give her access to her money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax I got a update on payment status change on a sync bank account that account was in violation of the Fcra for reporting late payments on a charge off I got an alert just now that it was changed did you guy 's do a complete investigation on this account or did your office change it? just curious

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: TX

Complaint narrative:
In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( Experian, XXXX, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for Experian, XXXX, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, Experian, and XXXX still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.

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 2019-06-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2017 I obtained a secured credit card from Wells Fargo, paying an initial deposit of {$300.00}. I was told by the branch manager in XXXX, Oregon that after 1 year of making on time payments, that my security deposit would be refunded and my card would be converted to an unsecured card and my deposit refunded and credited to my checking account. It has been 2 full years now since I have had the secured card. I have never missed or been late on a single payment. I have always paid more than my minimum payment as well. 
I tried to resolve this after the first year, and was advised that they do not automatically convert the card to a secured card ; they said they review the card periodically and then decide to convert it or not. The security deposit is also " non interest bearing '' as well, meaning they are making money off my deposit and not giving me any of the interest earned. All they did was waive the new annual fee of {$25.00}.

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 2019-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened up a Bank Account with Bank of America back in 2014. And somehow when I ended up closing my account later. Somehow the Bank ended up saying that I owe them money from a overdraft few! That was something small I can't remember the amount but it was never more than {$60.00} or {$70.00} dollars that needed paying back! So I ended up paying everything back and somehow I ended up on Something called XXXX  XXXX! I even called XXXX  XXXX to have it removed from my Credit report. And Bank Of America and XXXX XXXX told me that it would be removed but it's still showing up on my Credit report and am having hard time opening up a New Checking account. Can someone please look into this matter as soon as possible please? Thank you. And yes I was a victim of Identity theft. And Police report was taken

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 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Spoke with two XXXX rep, also disputed with XXXX and Transunion and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.

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 2019-06-07 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: MO

Complaint narrative:
Spoke with two XXXX rep, also disputed with Equifax and XXXX  and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I set up arrangements for pay and are making payments and asked to not receive phone calls while doing so because they were interrupting my work day and was told if I refused phone calls they will report that I refused to make payments

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