vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: NJ

Complaint narrative:
This is in regards to Complaint numbers XXXX and XXXX ... 

I just saw that Capital One credited my account for the two transaction rebills after rebilling me rather than crediting me as they said they would do ... However, I clearly stated in my complaint that these transaction rebills that were not supposed to be there caused interest charges on my account, and they never removed them. They are as follows ... 


XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$0.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$1.00} Please tell Capital One to remove these charges. They've given me enough of a headache and wasted enough of my time ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for a Delta Gold American Express via a mailer offer. The flyer stated {$0.00} introductory annual fee for the first year, then {$95.00}. I applied as directed and was approved. On my first statement an annual fee was charged to my account. I initiated contact with American Express on XX/XX/XXXX thru the online chat feature asking why I was charged. The costumer service agent requested an investigation. I did not hear back and contacted American Express again on XX/XX/XXXX and was told it was still being investigated. I contacted American Express once again on XX/XX/XXXX and was told that the issue was reviewed and that American Express was unable to find an offer stating this and that I was ineligible for the waived first year fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On the XXXX of XX/XX/2019 I made a {$1500.00} deposit into my Wells Fargo account ( {$900.00} in Checking and {$600.00} in Savings ) Following that successful deposit, for which I have my receipts, the next day, I was not seeing the money in my account, despite the fact that I had made a cash deposit. I spoke to a number of Wells Fargo customer service people on the phone and then I also physically went to Wells Fargo to sort the problem out all to no avail. Today is Thursday XXXX XXXX and I am still having to waste time trying to get my money back. I've already taken at least 6 hours off work trying to get my own money back. The amount of mental anguish this has caused is not acceptable.

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 2019-09-26 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: FL

Complaint narrative:
See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for Transunion and XXXX to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. Transunion and XXXX are not complying and slow to respond. As XXXX has already resolved the issue and deleted this file.

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 2019-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2019 Letters written on XX/XX/2019 from Bank of America state : " We've completed our investigation of your above referenced claim and based on our findings, we're unable to honor the claim because the transfer was made to an account that you own and the funds were made available to you for personal use, used to pay an obligation owed by you, or both. As a result, we're respectfully denying your claim. '' Transfer was made by a thief, and not available for our personal use ; because we were not aware that the unauthorized transfer was allowed by the bank until after-the-fact, when we received a bank alert on XX/XX/2019 that our account had been accessed by an unknown device. By that time, it was too late, our money had already been stolen, and was unavailable for our personal use. Since the money was stolen in person at the XXXX XXXX, VA branch by someone impersonating my wife, the money was not used to pay an obligation owed by us. 

We were told by a bank employee at our branch that to do this, the thief had to present two forms of identification ; which was most likely a driver 's license, and my wife 's bank debit card. The bank 's own records of her checking account show that on XX/XX/XXXX, her legitimate debit card was used to make a purchase of {$25.00} at the local XXXX 's store in XXXX XXXX, Fl, and could not have been used on the same date in Virginia. 

The bank 's records also show that for the savings account, her debit card was used to withdraw {$400.00} from the Bank of America ATM # XXXX in XXXX XXXX Fl, and could not have been used on the same date in Virginia. I ask the bank to examine the camera footage from this XXXX XXXX ATM, and compare it with the camera footage from the XXXX XXXX branch to clearly see that not only were these not the same people involved, but also that it is physically impossible to be at two distant locations at the same time. My wife 's employer has provided us with records which prove that she was at work in XXXX Florida on both XX/XX/XXXX, and XXXX and could not have been in Virginia to personally withdraw funds from the Virginia branch. 

Based on the incontrovertible evidence which I have provided, I ask that the bank reverse it's determination derived from its ' flawed superficial investigation. My elderly in-laws life savings were taken as part of this fraud, and they can not sustain such a devastating loss. My family can not just excuse a theft of {$17000.00} and I will continue to pursue this matter until the time that all of our federally insured funds have been properly returned.

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 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management
State: IN

Complaint narrative:
I have been contacted, as well as my family members, repeatedly, sometimes 10 times a day by Central Mediation Services saying that they are going to serve me with papers. They have called for over a week ( XX/XX/XXXX through today, XX/XX/2019 ) They have even told my family if I don't contact them, that they may never see me again. This is not ok! I called them and they will not provide me with documentation of the debt. I will not provide them with personal information so they hang up on me after saying some very not appropriate things. i have called multiple times only to be treated rudely and hung up on. I have asked for an address, but the address that they gave me does not come up in a search. 
They continue to call family and harass them. They tell them I have debt that needs taken care of or I will go to jail. If it is legitimate, then they should have documentation to send me. I need this to stop!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from 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 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I was given a letter from Caliber Home Loans regarding my escrow account that showed that I had a shortage amount of {$19000.00}. After an exhausting process of trying to contact someone at Caliber who knew how to assist, I was told that Caliber " accidentally '' paid the property taxes of 3 other properties that had nothing to do with me. I was told that some parcel numbers got mixed up and the only thing I could do was wait for Caliber to contact each of the Townships while they requested a refund for the error. 
In XX/XX/XXXX, my escrow account had a positive balance.of {$3600.00} and then in XX/XX/XXXX, my escrow account balance magically changed to - {$6100.00}. There is no details on any statements on what happened between XX/XX/XXXX and XX/XX/XXXX, but Caliber somehow lost approximately {$9000.00} and have had my escrow account starting at a negative from XX/XX/XXXX and through XX/XX/XXXX. 
Today, XX/XX/XXXX, as of XXXX ET, I am being told that in XX/XX/XXXX a check was sent out that was just over $ 6k and that is why my account is short. I have never received a check from Caliber, nor was anything communicated regarding this. 

I am demanding that someone contact me immediately to get this resolved ASAP. This is two years in a row now that Caliber has messed up my escrow account and this is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: TX

Complaint narrative:
Experian reported that I have an overdue balance on a credit account ( collection ) with XXXX XXXX XXXX in XXXX for XXXX XXXX XXXX. 

I have no knowledge of any such company or account or services provided ( {$270.00} a month on an account opened XX/XX/XXXX ) I opened a dispute with Experian XX/XX/XXXX and they just updated my results claiming the credit report is accurate and will remain. 

I suspect insurance fraud

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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My son answered my doorbell and was handed a statement of claim that I am being sued by Portfolio Recovery Associates, LLC. I need additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OH

Complaint narrative:
Trying to settle. When I called in XX/XX/XXXX attorney said the amount is {$1000.00}, I called again in two days ago now the attorney is saying {$1200.00}. Is it suppose to change amount on a monthly basis? 
I need to settle ASAP to obtain me an apartment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit report continued to erroneously place a collection account ( which was never mine to begin with ) on my XX/XX/XXXX to XX/XX/XXXX credit reports. The alleged collection was reported in XX/XX/XXXX and was due to be removed by XX/XX/XXXX-that did not happen. The amounts on my report show collections of {$500.00} and {$4800.00}, both of which I do not owe and yet for the past 8 years Experian has had this collection account on my record. In XX/XX/XXXX I paid a credit repair service to correct the matter by placing a statement on my report and Experian still did nothing to remove 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 explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to access my credit report so that I can apply for a credit card. I havent been denied for multiple, and come to find my information hasnt been updates since XX/XX/2017. I have been working for the last two years, and have been renting a house. I can't access any online tools because my reports all say " error loading '' " unable to show your report '' and when I try to contact someone, it's all a bunch of XXXX. Robots or comments left to never be answered. Spoke to a man on the phone who is sending me a mail copy BUT THAT DOESNT CHANGE THE FACT I CANT SEE IT ONLINE OR UTILIZE MY ONLINE TOOLS. I NEED my report and my whole life is getting ruined because nobody can just take two minutes to help me! Upon the security questions I am being asked about accounts that arent mine and therefore not " passing '' PLEASE HELP ME. The companies involved I ALREADY CONTACTED but sure go ahead, its Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Patenaude & Felix A Professional Corporation
State: OH

Complaint narrative:
I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. National Collegiate Student Loan Trust & XXXX XXXX XXXX XXXX filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing National Collegiate Loan Trust and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but National Collegiate and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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:
See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for XXXX and Experian to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. XXXX  and Experian are not complying and slow to respond. As XXXX  has already resolved the issue and deleted this file.

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 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I contacted Navient about qualifications for the Public Service Loan Forgiveness ( PSLF ) program with questions on the type of repayment and qualifications for the program. At the time I had consolidated my loans into a Federal Family Education Loan ( FFEL ). Navient did not inform me of the requirement to have the loan be a Direct loan or other requirements such as being in an income-driven repayment plan. 

I continued to make payments to Navient and worked in the public sector until XX/XX/XXXX. I filled out an application for the PSLF program in XX/XX/XXXX and the application was denied as I did not make payments through an income-driven repayment plan or consolidate my already consolidated FFEL loan into a Direct Loan. 

All of the actions that I took were based upon advice of a variety of Navient representatives over the course of 10 years. 

I have been working in the public sector for 20 years but do not qualify for the PSLF due to the reliance on advice from representatives from Navient regarding eligibility for the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: MN

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: CITIBANK, N.A.
State: ID

Complaint narrative:
I hired XXXX XXXX XXXX XXXX to shuttle my vehicle and trailer from XXXX XXXX, Arizona to XXXX XXXX, Arizona, a distance of XXXX miles. While my vehicle was in the care of XXXX XXXX XXXX XXXX, it was driven XXXX miles. 

I disputed the charge of {$350.00} with my credit card company, CitiBank, and they agreed with my dispute, but the merchants bank would not refund the charge.

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