vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 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:
In XX/XX/XXXX, I disputed an account reported by : XXXX XXXX {$22000.00} in the file you maintain under my social security number. 

I was informed on XX/XX/XXXX/XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX, I have discovered that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am having a problem with my mortgage servicer, PHH Mortgage Services. I am U.S. military, and in XX/XX/2019 I set up a payroll allotment via myPay to pay my mortgage every month. XXXX XXXX XXXX XXXX ( XXXX ) ( in XXXX ) sends out payments of {$1500.00} in my behalf on the first day of each month. Until now, PHH has  been receiving my payments OK, although a few months ago they called me and said one of my payments was late. This month, however, they called me ( on XX/XX/19 ), said they hadn't received my XX/XX/XXXX payment, and said they were adding a {$37.00} late fee onto my bill. This is the first time they have ever demanded a late fee. I called PHH again on XX/XX/19, and they again denied receiving my XX/XX/XXXX payment in the amount of {$1500.00}. This money is missing. I went to my local finance office and had them put a trace on the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX 's XXXX XXXX opened an account at XXXX XXXX on XX/XX/1990. This money has never been withdrawn. I'm applying for withdrawal of {$2100.00} plus interest at this time. XXXX XXXX was purchased by Wells Fargo. In calling Wells Fargo, they stated they could not help me, the money was absorbed into the bank at time of purchase. Attached please find copy of bank book.

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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XX/XX/2019 I attended a Wyndham seminar. I provided information to check on financing, which I declined. And I consented to being sent promotional emails. Later that day I received an email that I was approved for a credit card with Barclays and that the card was in the mail. I never asked for or consented to being signed up for a credit card. Credit card terms were never discussed. No credit card was ever discussed at all. I did not purchase anything and did not wish to enroll in anything which was made extremely clear to at least 4 separate employees at the time. I have already contacted the bank, whos representative told me they would do a fraud investigation but that since I had given them my information it would still be considered a valid account even if I had been signed up without my knowledge or consent.

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 2019-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Recently we leased a new automobile. Shortly after completing the lease I received a letter from Ally Bank Lease Trust, stating they had been asked by my XXXX dealer to accept the lease. The letter stated that they could not do so because my credit score was unavailable from XXXX. The reason my score is unavailable is that I have placed a freeze on my credit reports from XXXX, XXXX and XXXX. Because my information was not available from XXXX, Ally tried XXXX , XXXX. XXXX is a credit reporting agency I have never heard of and the information they have on me appears to be incomplete. 
I have two complaints as follows : - Ally is using a credit reporting agency that is not nationally recognized and who is providing less than accurate data. 
- If XXXX , XXXX is legitimate, why has it not been required to be part of the free credit report process as outlined on 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 2019-10-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I notice that my credit report was ran without my consent on XX/XX/XXXX by  SYNCB/XXXX and on XX/XX/XXXX by SYNCB/AMAZON. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.

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 2019-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/2019 To : Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. 
This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? 
I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. 

Thank you for your time. 
XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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:
In XX/XX/XXXX I disputed an account reported by : XXXX in the file you maintained under my social security number. 

I was informed in XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX I have discovered that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello ; In XXXX and XXXX I made many payments to clear up my credit. One of my collectors was Comenity Bank holding cards for ; XXXX, XXXX, XXXX XXXX XXXX was paid. 

I am using a credit repair company and under Comenity, my accounts are listed as " CLOSED ''. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX , XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$420.00}. 
On XX/XX/XXXX I got a letter from XXXX, XXXX XXXX XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$640.00}. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX of IL acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$520.00}. 

These accounts I paid and are closed. I believe these accounts may have been sold to another collector at this point. These items should not be returned to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Aldous & Associates, PLLC
State: UT

Complaint narrative:
On or about XX/XX/XXXX I went to the local XXXX store to upgrade my cell. The salesperson said they had a special for upgrading to include 2 tablets. I really didn't want or need the tablets but agreed to try the new cell ( I opted for 2 upgraded phones ). A week later I decided I didn't like the new cells and didn't want the tablets ( didn't use them, still in box, but salesperson insisted on activating the tablets ) I returned the tablets & phones to the store and was given a device return slip for both tablets and the phones were just an exchange for 1 upgraded phone. I also called XXXX and they saw that the tablets & cells were returned and gave me a credit for the early termination of the unwanted tablets & phones. I was told this wouldn't be a problem as they had an exclusive " holiday return from XX/XX/XXXX to XX/XX/XXXX '' and I wouldn't be responsible for an early termination. Well then a few months ago I started to received messages on my new cell ( new # was given to me when I got the new phone ) The messages asked that Aldous & Assoc be contacted and they were trying to collect a debt. I couldn't understand why as I was told & received the return device receipt and assured by XXXX nothing was owed. The cell messages from this firm were on a weekly basis and I had my husband speak with the " law firm/collection '' company. They were rude to him and began yelling. My husband asked them to send a verification of debt, they said they had but the address they had was not even correct. We gave them our current address and they denied receiving anything. Called them back and they said to send a self stamped address envelope with proof of the cancellation & return of the devices, which we did. Last week another call came in asking us to call again, then a letter saying we owe {$600.00} ( down the from {$700.00} ) they said we owed for the tablets. The last paragraph stated " At this time no attorney with this firm has personally reviewed the particular circumstances of your acct ( which the acct # was also wrong ). 
So if they haven't reviewed our XXXX device return receipt and the account is wrong, why the abusive phone calls and letters with incorrect information. This is very disturbing to be accused of a debt that is totally wrong. This law firm/collection company has multiple complaints ( over 183+ ) saying the same thing and threatening to take people to collections without reviewing the information sent. This is being labeled as a " Scam to collect debt '' by using tactics that are illegal. I wish to have this reported and an investigation done on the unfair credit practices they have tried to get away with. Totally unethical business practices and needs to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: TX

Complaint narrative:
I can not list specific dates as I did not document them at the time however, on several occassions I have asked how my payments are being applied as it seems my loan amount has hardly decreased after having been making payments for almost nine years. I entered into the income based repayment option and have been making the same payment amount for almost that entire time. I was told on my last call the interest rate can fluctuate which was a complete surprise to me as that was NEVER mentioned when I entered into the program. I was pretty much told 'too bad '. What they are doing to borrowers should not even be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I have a Loan being serviced by Carrington Mortgage Services, ON MY primary residence.Because of the various hardships, I explained to them, prominent among them being the severe damage to the building due to the deadliest ever HURRICANE SANDY ( also termed as SUPER STORM ) during XX/XX/2012 .After submitting a lot of documents, I received a so called Loan Modification. They sent the Trial Period Agreement by ordinary Post, without any XXXX or XXXX Return Envelope, like I am told other Banks are doing. I signed and mailed them back the Original Agreement. I also made all the 3 Trial Period Payments - well on time. I am surprised to hear from them that they cancelled my Modification because they did not receive the signed Agreement, back, although they acknowledge having received all the 3 Trial Period payments on time. Now they refused to take further payments from me and are asking me to apply for a Loan Modification all over again, which is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Ten years ago I became totally XXXX with a XXXX XXXX related to XXXX XXXX and XXXX! The last twenty years have been one kick in the teeth after another both medically and financially for my family! I fell behind on bills and when my wife past I owed over a {>= $1,000,000} in medical bills alone! I live on {$13000.00} a year income ( Soc.Sec. ) and currently take 14 different medications a day! Five years ago my bank account was drained for medical expenses and I am still in need of completion of Dental work which I can not pay for directly! Ten years ago I was wrongfully terminated from my job with no hope of future employment! My financicial reputation was totally destroyed! I can not get credit anywhere even though I receive offers by postal mail and email! The credit reporting agencies have refused to give me a decent credit score thru FICA and have locked me in this position because my record is clean! They say I have to have bills!! I am XXXX yrs.old and have had the same residence for the last five years! How can a XXXX senior XXXX XXXX be treated this way! This is the second time I have contacted you! I am getting so fed up with this! I am glad my wife is not alive to see the way I am being disrespected! If you have any compassion at all you will look into this and rain XXXX down on the cold hearted XXXX responsible for my Situation! 
Respectfully : XXXX XXXX XXXX Tel # XXXX Soc.Sec. XXXX U.S.M.C. Service # 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 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OSG Group Holdings, Inc.
State: TX

Complaint narrative:
I was contacted by a XXXX XXXX from OSG Billing Services at XXXX XXXX regarding a payday loan with XXXX  XXXX  XXXX. She asked me if I was willing to voluntarily deal with this debt. I replied yes twice to this person. She told me she was going to send it back as 'refused ' This is fraudulent information she is reporting about me regarding my account. I asked for contact information for the company several times while on the phone with Ms. XXXX. She would never provide me with a mailing address for this company. I guess this is their gas-lighting procedure that they do. If you don't comply with what they want they lie about the outcome. I have been harassed by this company for months. They called my parents home today. My parents have nothing to do with this. 

I call the number back and ask for the company address several times. I get the run around. Nobody will give me the contact address. I called back to ask to speak to this Ms. XXXX and it goes to her voicemail every time. She knows she was acting unethically. 

I emailed an email address for the company telling them that I can not put my statement on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have asked Experian to remove address : " XXXX XXXX XXXX, XXXX, GA XXXX '' from my credit file on several occasions. They haven't removed it. I cant dispute it online because it says " Major Financial Corporation '' is reporting this address, but when I asked them, they said they have never reported that address. They are reporting my XXXX XXXX XXXX, XXXX XXXX, MN XXXX address as of XX/XX/2019. I know they are accurate, because when I check my account with them, that is the only address they have.

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 2019-10-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I opened up a discover card and was told I would have 24 years interest free, today I called and spoke to XXXX ( XXXX ) in XXXX, Arizona. I told her I spoke with a man back in XX/XX/XXXX she informed me his ID was XXXX and I told her I called him when I was at the XXXX store in XXXX XXXX, Florida he raised my limit and said have fun spending its interest free, I double checked with him. Now they are billing me for the year XX/XX/XXXX and refuse to fix the issue. Please let me know what I can do? 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have been a victim of credit card fraud involving the Capital One Silver One credit card that I own. On XX/XX/XXXX thieves made online purchases on Walmart AR ( I live in XXXX XXXX ). I was notified 2 later and immediately disputed the charges. Of the charges, {$300.00} were effectively charged to my card and another {$300.00} were declined due to being over the card 's limit. After spending around 1h speaking to a non-native XXXX-speaking representative ( " fraud department specialist '' ) I received several emails reassuring me that I would not be penalized, as is their contractual obligation. However, the charges were made. I had another over-one-hour call with another non-native XXXX speaking " fraud specialist '', who was not familiar with the USA legal system and encouraged me to seek law enforcement. My card statement changed in front of me, on my computer screen, as they proceeded to lie, saying everything was taken care of. Another charge was done a few days later. Another hour on the phone. After that Walmart made what looked like two credits to my account and several days later Capital one charged me with {$300.00} as billing adjustment. After so many charges, credits, adjustments, letters with discrepant numbers, I have no trust that my actual balance is accurate. Capital One only reacts to legal threats. Their consumer review is the worst in the scale, by thousands of customers. I took time analyzing them and Capital One actually infringed the law with several of them. Finally, they lost my card on the mail and were going to charge me for a third card. Had I not reminded them that that, too, would be illegal, to which they responded that they would not charge me anything, I am sure I would. In terms of billable hours, they owe me at least {$1500.00}. However, they have caused serious damage : I have XXXX. I had to be medicated because of the pain caused by the bad connection. I have filed a XXXX complaint but havent heard from them.

Company response to consumer: Closed with monetary relief