vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an alert from my ID Credit Monitoring that a company by the name of XXXX   XXXX made an inquiry on my credit report without my prior oral or express consent. This unauthorized inquiry lowered my Equifax credit score. On XX/XX/XXXX, I filed a dispute with Equifax. On XX/XX/XXXX, Equifax sent a resolution of the dispute confirming that there is nothing that they can do. On XX/XX/XXXX, I spoke with an Equifax representative who told me that she could not do anything about the unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: NM

Complaint narrative:
Unable to access my account through the XXXX app. I am a newly single mom trying to save money every way I can. I have complained to Capital One via social media, but I probably will not hear anything else about it. Why am I unable to use MY information how I see fit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank is Wells Fargo. On XX/XX/2018 I sent my landlord my rent of XXXX.. I used XXXX which is a money transfer service on Wells Fargo web site. I have used XXXX to send my rent for over 2 years and never had a problem. In XX/XX/XXXX my landlords account was compromised and he closed it and opened a new account. When I sent the money by XXXX in XX/XX/XXXX he did not want to accept XXXX, so he never entered his new account info. My money never made it to him, and I never received it back. 
I have filed 2 claims with Wells Fargo and spoke to an XXXX at Corporate. ( XXXX ) XXXX was not able to help me to get my money back either. I have even gone to my landlords bank, XXXX, and the lady, XXXX, put in a call to XXXX for me and I was able to speak to XXXX. ( They normally dont speak to the public ). XXXX told me because I used XXXX through Wells Fargo, they were not able to track the money. They also said, had I used their stand alone app, they would have been able to track it.no one can tell me where this money is. My landlord doesnt have it, and I had to come up with an additional {$480.00} for rent. 
Wells Fargo is not standing behind a product that they have on their website ... this is not fair! 
Please help me to recoup my money! 

My landlord is XXXX XXXX and his phone number is # XXXX. You will need that for 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 2018-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I sold my truck and deposited the check ( XX/XX/XXXX ) into my checking account ( under 2000 ) When I called the bank ( XX/XX/XXXX ) about not having the XXXX they promised at time f deposit available by the second day I was told they were closing my account and holding any other deposits which came into the account ( including my son 's SSI ). Even though they have spoken to the other bank and were told the account was good and the money was available and that the check would be honored and the bank verified her contact information which is printed on the check as being valid Chase will not accept that. They informed me that even though the check will clear they are still freezing my account, holding all deposits including the check and direct deposits simply because her phone number is not listed under her name. This is a common thing, my phone number is listed under my husbands name. I do not see how they can hold money which has nothing to do with the check in question and to close my account even if the check clears and make me wait up to six months to receive a check from them which I am then supposed to deposit where? I have children to care for including my XXXX XXXX son which his money is one of the things they are threatening to hold. I also have a car payment and we have this annoying habbit of needing to buy food to eat in order to stay alive. They are making it impossible to do this because her working phone is listed in someone else 's name? I do not see how this is legal. From all the research I have done they are supposed to release it within two business days but certainly not more than 7. They do not disclose that they will close your account and freeze all money if you deposit a perfectly good check if the person in question does not have a phone in their name. Again the check has her phone number printed on it and her bank has verified every possible question given to them. I understand holding the check until it clears but to hold everything else and close my account when I just set up two direct deposits is beyond belief and not standard practice. I spoke to 4 different people at chase and two people at the other parties bank in an attempt to resolve this issue this morning. I have to wonder if this issue is an attempt to not pay me the new account bonus. I can not figure out another reason why a perfectly good check which was verified by the issuing bank would cause these problems and that even if the check clears they will not honor it as good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX transferred me to a Company named Loan Care whom is still affiliated with them. I had been working on retention options with XXXX until the loan transferred. Once the loan transferred is when my account started falling through the cracks. Every time i called Loan Care I would be transferred to many different departments about 6-8 times since no one there knew how to help me. I submitted my application for retention options on XX/XX/XXXX, just days after it had been transferred. I kept being told that the application was in review for months. On XX/XX/XXXX, I was advised that they needed additional documents and that they would email me with the request. When i received the email, i was shocked and confused by the documents requested. Loan Care was requesting preliminary documents to sell my home and they advised that there was a sale date of XX/XX/XXXX. I never requested to sell my home and for months had been told that my file was in review and there was no sale date. Now they are forcing me into selling my home and telling me there are no retention options, my home is going to be auctioned all because i have an HELOC. This could have been told to me months ago before. Today, i received a letter in the mail stating that I can apply for loan modification options. Every package i submitted, i never received acknowledgement letter, i was never able to speak with a specific person and now i am losing my home. Please help me. i can not lose my home.

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 2018-05-17 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: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/XXXX, I placed a call with Lexis Nexis, opening a dispute, regarding reporting that included incorrect additional drivers at my home address, my incorrect address located on the reporting, addresses associated with my name and information where I had never lived, identification records listing information that was not mine ( this information was my mother 's and I also informed them of that ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that as well ). Lexis Nexis informed me they would have all items fixed and send me a new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's ). 

On XX/XX/XXXX, I placed ANOTHER call with Lexis Nexis, re-disputing the incorrect information I received on XX/XX/XXXX, informing them AGAIN that their reporting included identification records listing information that was not mine ( this information was my mother 's and I informed them of that AGAIN ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that AGAIN ). Lexis Nexis informed me they had made a mistake, the notes on my account stated this information should have been removed, and they would have all items fixed and send me another new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from, AGAIN. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was STILL my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also STILL my mother 's ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This Transworld account appeared in my credit report. This account is over 10 years old. Transworld bought it and reopened it. that was The last time there was activity on the account was back in 2007. Due to that length of time that last lasted, this should not appear on my credit report. XXXX  and XXXX  will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have XXXX  XXXX XXXX and am unable to read my Wells Fargo auto loan statements. I changed my telephone number last year and Wells Fargo did not have my new number. I was unaware that I was two payments late in my auto loan until a repo man knocked on My door and towed my car off. I immediately called Wells Fargo to update my telephone and attempt to make payment. Throughout several days of calls I explained my situation and requested that my case not be reported to the credit agencies I paid the fees and got back my car after two days but Wells Fargo said they were unable to help with the credit reporting issue. I believe their repo process is predatory

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 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HIPAA violation no knowledge inaccurate medical bill collections on my Experience credit report. FTC ID Theft Report # 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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My new boss sends me a Cashiers check Monday XX/XX/XXXX telling me to deposit in my account. I deposited the check and she was very suspicious about it, asking me if imthe check cleared every 5 minutes. I called Chase bank customer service and spoke with a person in XXXX to double check that everything was right with the check. My understanding is that if something is wrong with the check, the bank is the only entity that can tell me whats going on. I tell her the story and that I thought it was a fake check and she said youre fine cause the check cleared and it was a cashiers check. In order to have one of those you have to pay cash so youre fine that was at XXXX Tuesday morning. At XXXX my boss tells me to withdraw XXXX and deposited in a XXXX XXXX account to pay for some bills, since the bank told me that everything was fine I did it and I said to myself youre probably overreacting, the bank already told you that it was fine after that she asked the for a {$200.00} XXXX XXXX and I sent it as well. By XXXX my account was negative {$3400.00} ( the amount of the check was {$3900.00} ) I called my boss and she blocked me. When I called the bank they told me that it was my fault that I should be more careful next time. I filled a complaint at the police department and called the Chae complaint department yesterday and honestly, no one really helped.The last person told me I was a scam victim and that she was sorry for the misunderstanding with the customer service rep but I needed to pay that amount by XX/XX/XXXX cause after that a debt collector was going to contact me. In conclusion, I called the bank before doing everything else, the rep told me that it was okay. When it comes to my Chase account I only trust Chase customer service. I dont work for them, they should know better!! I need them to find that conversation and deal with the situation. A miscommunication in that magnitude ruined my life basically. Now I owe almost {$4000.00} that obviously I dont have just because I trusted a Chase customer representative that didnt know what she was saying/ doing. Im really disappointed and a little scared of the situation. And at this point I believe theyre not going to help me get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as " XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of " XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: TX

Complaint narrative:
Perfection Collections has an account on my credit report for an alleged debt thru XXXX. I have spent well over 30 days trying to get documents to validate this debt, and they are not cooperating. I sent a certified letter to them, and they have not responded with the documents I asked for, and refuse to delete the account from my credit report. The account is shown with an amount due of {$1900.00}. I have asked for something in writing from XXXX showing the charges that equal that amount they are reporting on my credit, and XXXX states they do not have that. He has since sent me a pretty generic statement showing a list of invoices, with a list of payments, and none of that shows an amount due, the original amount, etc.. The contract thru XXXX  does NOT mention that I agree to pay a 3rd party, or any assignees, it shows several areas scratched over, and changed, and Ive certainly never had a contract with Perfection Collections. When I spoke with the supervisor at the collection agency he stated that since they bought the account they bought the contract as well, and thats why I owe them. I told him that was against the law, you can not substitute yourself into a contract, and he states thats perfectly legal, even tho subrogation is against the law with debt collection- The right of subrogation does not exist for a stranger to the transaction XXXX XXXX XXXX XXXX, section XXXX. This has been an ongoing battle, XXXX keeps telling me that they have validated the debt, and they wont delete the account, even tho I have proven that they are in violation. I am located in Texas, and the laws in Texas are very specific about what the collection agencies have to provide, and Perfection Collections is not providing that information and they are violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: GA

Complaint narrative:
My student loan started out to be {$32000.00} with XXXX in XX/XX/XXXX. My loan was transferred to Navient several years ago. However, even though I have made payments, the amount I owe now is {$41000.00}. I did request a forbearance, and did not start making payments until XX/XX/XXXX. However, that is still eight years of payments, with the amount I owe continually going up. I work for the XXXX XXXX, so if I had known about loan forgiveness after making payments for 10 years, I would have done so. I have also been confused how Navient applies my payments. Apparently, Navient charges interest on a daily basis which is why myself and others like me can not make a dent in the actual amount of the loan. I recently started making additional payments, but it does not seem to make much of a difference. Today, I contacted Navient, and I requested to have the amount I pay over the loan payment to be applied towards my principal. I was told that I could not do that, that Navient pays the interest first, and then applies anything else to principal. This is when Navient informed me that I am charged interest on a daily basis. I believe it is illegal for Navient to tell me that I can not apply my overpayment to my principal. For reference, my loan # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HIPAA violation no knowledge of the fraudulent collections medical bill on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HIPAA violation no knowledge inaccurate medical bill collection accounts on my Transunion credit report. FTC ID Theft Report # 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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2018-05-17 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: FL

Complaint narrative:
I have had my bank of america account for over 3 years now. And have been making payments 100 % on time since XX/XX/XXXX. 

Back in XX/XX/XXXX there is a mark that shows that I missed the payment. Although the payment may have been delayed, I believe that for good will this should not be counted against me. Due to momentary financial issues I wasn't able to pay but I have before then and since then.

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