vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have reviewed my credit report and see A collection account reporting as " 12 XXXX XXXX XXXX '' with A number listed to contact the collection agency along with A NY address. And A Date open of XX/XX/XXXX. I immediately sent the company A debt validation request certfied mail as I'm 100 % certain I've never had any contracts or any obligations of debt with this business. I waited 30 days and no response. I then called the number listed on my report and noticed the name of the company I was calling was " Debt recovery solutions '' which isn't the name they're reporting under on my report it shows " 12 XXXX XXXX XXXX ''. During our communication via phone the representative says " XXXX XXXX you don't recall having A loan with check into cash in XXXX? '' I was shocked as on my report it says open date XX/XX/XXXX not XXXX. I explained to the lady that I have NEVER EVER done any business with this loan company in XXXX or XXXX and have NEVER had A loan with them. I asked her for the original documents showing I owed this debt and that it was valid. She advised they already sent the documents on XX/XX/XXXX which as of today XX/XX/XXXX I still have yet to recieve. I asked if I could have the company bonding information since they are in NY to search my state website to see if they are bonded and the rep refused to give me the information. I'm not sure if this is A scam company but Im at A stand still as this company is reporting inaccurately on my report and not providing the legal orginal documents to show this is A debt I supposedly owed. They openedly admitted to reporting incorrect dates also. I really needs help getting this resolved as I have exhausted all resources that I'm aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation I have no knowledge on the fraudulent accounts appeared on my Experian 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 non-monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
Attempt to extort Insurance Payment ( s ) for non-existent loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared 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 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I deposited a check for {$930.00} into my bank account on Thursday XX/XX/2018 and usaa put a 3 to 5 business day hold on it. I really needed the rest of that money this weekend because its XXXX XXXX and its my anniversary weekend. I tried talking to them but it did no good. I am very upset. I told them I am going to file a complaint with the cfpb and am switching banks. I do not know any bank that does a business hold for 3 to 5 days because its a paper check. The lady I talked to tried to get an exemption but it got declined because I had an automatic bill coming out but had insufficient funds due to something else that came out that I wasn't aware of before the automatic bill came out. Ok so in that case I didn't have any insufficient funds because I deposited that check for {$930.00}. I was very angry with usaa for this. Thanks usaa for ruining everything that we had planned this weekend with my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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 have been enrolled in Navient 's Auto Pay program since XX/XX/XXXX. My due date is the XX/XX/XXXX of each month. The agreement I was sent by Navient states, in relevant part, that " The payment amount of {$590.00} will be automatically extracted from your designated bank account on the same day each month... If the scheduled payment date falls on a weekend or holiday, the Auto Pay will extract the following business day reflecting your actual due date. '' Today is XX/XX/XXXX, and Navient has already withdrawn the funds from my account. Not only is today two days before the actual due date, but it is three days before the date that Navient, pursuant to the agreement they sent me, allows them the " extract '' the money ; XX/XX/XXXX, happens to be a federal holiday, so XX/XX/XXXX, is the first date that Navient has the authority, under the agreement, to " extract '' the money from my account. In addition to the date being too early, Navient further withdrew an additional amount of {$76.00} which I was not aware of nor did I agree to. 

I am extremely frustrated by Navient 's actions because the account from which they made the withdrawal did not have enough money to cover the transaction ; the account in question is used sparingly and I had to physically go into the bank to add funds to the account to ensure there would be no issues. I have multiple accounts which are segregated for different uses. I have a scheduled transfer of funds into the account in question on a monthly basis that would have ensured the proper amount of funds were in the account on the day that the " extraction '' from Navient should have been made. Now, however, I will be subject to an overdrawn fee from my bank because Navient refused to act in a manner consistent with the Auto Pay agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
XX/XX/2018 calls started calling for a XXXX XXXX ..He has not owned this number for over 3 years and no matter what I tell this company they will not stop, they are rude on the phone I was hung up on 6+ times just asking for a supervisor to get the calls to stop

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 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/18, I decided to open a new bank account with Simple. I currently have an account with Capital One 360. Once the Simple account was opened, obviously I wanted to transfer funds over from my Capital One account however I received the message " Capital One is blocking you from enabling external applications ''. I called Capital One customer service to see if this could be bypassed and they simply told me there was nothing they could do because it's a " newer technology '' despite Simple being around for several years now. I understand this may be a security measure, but there's no reason they should get to decide for me what I can and can't do with my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received an alert via email from Experian letting me know that I had a 20 point drop in my FICO Score. ( XXXX-XXXX ) I logged into my Experian account to search for the issue, after searching I could not find the reason for the drop. So I called Experian to asked them the reason for the decrease because I can not find it on my report. The rep. ( XXXX employee # XXXX ) told me that the reason for the dropped was because I paid my Credit Card off " on time ''!!! I told her that I never heard such a thing ever. I asked her how can you tell that paying my bills on time can cause a drop in my score? She responded with " I am not a financial advisor " { but I will be happy to give you a number to one ; so they can explain why the drop in score and help you with credit ideas } I went on to tell her that no one loses points for doing the right thing by paying off your bills on time! She told me there's nothing she can do to change it back or investigate. I told her ... I never heard that a credit reporting agency can't help or investigate a problem for a customer with a legitimate issue unless its fraud within the company.

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 2018-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I have been working by phone with XXXX XXXX at loandepot.com to check rates and fees for a mortgage to refinance my home. In order to see the estimate, I was required to pay for a credit check for a charge of {$19.00} to a credit card. I used my debit card for the amount since I did not want a small charge on my credit card. XXXX assured me that the {$420.00} charge for an appraisal fee would not be charged until I spoke with him again, but he had me click on several places in their website to agree to continue with each step. I gave him my debit card number to pay the {$19.00} on XX/XX/XXXX and received an email receipt for that amount. On XX/XX/XXXX, without any further conversation, my debit card was charged {$420.00} as per " my agreement with XXXX XXXX '' as my intent to proceed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
on XX/XX/2018 I checked my report just to make sure there aren't anything that im not aware of. However to my surprise there was an account being reported by Waypoint Resource Group in the amount of {$500.00} I have never heard of this company never received any mailings from them nor have I had any service or a contract with XXXX XXXX which is a company that provides service in XXXXXXXX XXXX not XXXXXXXX XXXX in which I reside and have lived in the last 9 plus years. Im 100 % sure this is a error or misreporting because I have never had service or contact which any of these companies and I never received notice about this alleged debt. Since this company is already in violation of the FDCPA for failure of written notice and right to dispute this debt. I am requesting immediate removal of the reporting of this account from all credit bureaus and cease and desist of All collection activities immediately. If this account is not removed upon my demand I will seek legal action against this company. Please send a response with attachments of a statement agreeing to remove from all reporting agencies and cease collection on this account as it is inaccurate and un validated information that was furnished. Per FDCPA and FTC this account must be removed when consumer has not been notified of his/her legal right to dispute or request validation of a debt along with certain statute of limitations determine how long you can collect or try to report old expired debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: AZ

Complaint narrative:
Two hard inquires on my credit without my authorization or consent for 2 registered companies under XXXX : The Company XXXX XXXX XXXX and The Company XXXX XXXX These were both done without my knowledge or consent or signature to allow for any credit check. I made absolutely No Attempt to retain any services from these companies. 

This looks like Identify Theft which also seems to be stemming from Equifax posting false Inquiries to my Credit report. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2018 I received by mail an unsolicited XXXX XXXX from NETSPEND. It has my name, address and it's linked to an account number I never opened in XXXX. The attached letter said is ready for activation. This kind of aggressive marketing practice may be illegal I feel my privacy as a citizen is violated. Please, let them know I didn't ask for this card, close the account I never opened and stop sending any mail to me. 
Thanks

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 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
My report is about XXXX XXXX XXXX. They are blatantly committing fraud in two ways : Trying to collect on an amount that was fraudulently charged and inflating the amount that was fraudulently charged. 

I indicated to them that the financial record on file was incorrect and represented incorrectly since based on multiple calls with them, I was able to show them proof and they still charged the amount to my credit report. This is blatant abuse of power.

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 2018-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I've been charged for cash advances, when i was given this line of credit the stated they don't give cash advances, the purchases im being charged cash advance for are a private party purchase on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had to call because my access was blocked never did a representative tell me nor did I receive a letter stating they were closing my account.I have been banking with them for years and it wasnt overdrawn and also I had direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, i noticed my balance went down in my bank account, so I logged in online to see what happened. To my surprising I found out XXXX XXXX took {$440.00} for ETF from my checking account without my AUTHORIZATION! And then it was almost a year later since I had them. I cancelled auto pay with them a week after having them because bill came a week later saying due in a couple of days. If not mistaking I cancelled auto pay XX/XX/XXXX, after me logging on and finding out this information for my records i was able to see I signed up for XXXX XX/XX/XXXX. I never signed a contract. They sent me a copy to my email, that they never had on file until recently, ill say a week ago that i gave them to send a copy of contarct. When i fianlly gotten it, it was forged signature saying I signed it and I didn't! I even fax in a bunch of copies of my signatures going back from XXXX, to show my signatures never change! The bank is no help either. The bank say because now the signatures don't match XXXX says it's a legal matter! I ask for money back from XXXX, XXXX said no, because I signed contract. Again I didn't and cancell auto pay a week later. Also XXXX closed my account and placed for collections XX/XX/XXXX but on my credit report it shows XXXX and this account has been closed close to a year now! And then on credit report it shows {$750.00}. So they had that on there whole time not including the {$440.00} they took out my account on XX/XX/XXXX. Because on one credit report they have {$1100.00} and then experian {$770.00}. And its still like that now! I need help getting justice from this company! In having this issue with them I just seeing this is an ongoing issue with this company and something needs to be done about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018 I am being hit with a 2 separate hard inquiry from XXXX XXXX which was fraud and I never applied or tried to apply for any XXXX XXXX. 

I have called XXXX once I found out about this through XXXX XXXX   and told them about the fraud and that this was not authorized by me and if they can remove the hard inquiry due to the fact that this wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate account on my Experian 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 non-monetary relief
Consumer complaint received 2018-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 I am getting hit with a hard inquiry from Kohls I noticed this on my XXXX XXXX account. I did not authorize any inquire had Khols department store. This was fraud and not authorized by me. I had called Kohls to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a Kohls card.

Kohls had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: AES/PHEAA
State: NY

Complaint narrative:
I have nearly {$400000.00} in student loan debt processed by XXXX. In XX/XX/XXXX I had requested to change my income driven payment option from income based repayment to Pay As You Earn repayment. The process placed me in forbearance for greater than 1 year and I had lost XXXX payments toward public service loan forgiveness. I was not informed that this income based repayment transition would take up to 1 year and that my interest would capitialize during the forbearance process. 
I have requested a detailed account of all my payments in XX/XX/XXXX, despite many repeated phone calls I have not yet received my payment audit nor an explanation why I was in forbearance for 1 years for a simple payment option switch. 
Each time I call I am told nothing can be done and to call back in a month. This has been dragging out for over a year. This is unacceptable of a government organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared 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