vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 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: IL

Complaint narrative:
There were 2 Capital One credit cards opened under my name. One of them was resolved however I spoke to a XXXX at Corporate office ( XX/XX/2019 ) letting her know that the man who was initially taking care of this account was harassing me and that I no longer wanted this rep to take care of me. I was reassured that he was no longer dealing with my account ending in XXXX. I went to my office ( XX/XX/XXXX ) only to find a letter with his name on it stating that he found no fraud on the act and that the charges belonged to me. After opening the letter, I reached out to XXXX in Corporate office 3 times and as of today XX/XX/XXXX, I have not heard from her. I called another 800 number and was transferred to the man XXXX. I asked him how did he verify that the charges on the account were mine and he could not respond. At that time he proceeded to tell me that the act was still under investigation with someone in the escalations dept. I also asked him why I was receiving statements if the account was still under investigation? He also could not give me an answer. This has already negatively affected my credit one time. This needs to be handled by the Corporate office like I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX, I spoke to you months ago in regards to the POOR customer service provided by Capital One. After speaking to you, I was hoping that the customer service would have improved, however, it has not. I discussed with you and requested numerous phone calls from your colleagues as well. I guess they feel they're too important to call consumers that contributes their high interest rate payments to the generous salaries that you guys make. I recently applied for a SPARK business credit card. After receiving an email from Capital One stating that I was approved for the BIG XXXX credit limit, I contacted Capital One and spoke to a supervisor to obatin an update on the card. Initially, I was informed by the supervisor that he could not see where I was approved. After explaining over and over that I had received an email, he then told me that he had found the approval. The supervisor then informed me ( 2 weeks ago ) that the card would be out to be in about 7 days and was being mailed. After not receiving the card yet, I contacted Capital one today and was told that the card has not been mailed. As your fellow colleagues consistently provides poor customer service, there seems to be a MAJOR training issue. Correspondence has once again been sent to the CFPB. I also want to discuss my bad experiences with Capital One with the media and also the non-employee governing body of a Capital One. This company is a JOKE. I will inform other consumers and entrepreneurs not do business with this horrible company. After speaking to you, I could tell that you did not have interest in my concerns. What a JOKE, Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: AL

Complaint narrative:
I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to  see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : 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 2019-07-05 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: AL

Complaint narrative:
I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : 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 non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: FL

Complaint narrative:
I have recently inquired that there has been an offset on my IRS tax return from the US Department of Education and lender XXXX XXXX. The offset was in the amount of XXXX and was taken over a decade ago back on XX/XX/XXXX I have confirmed the dates and amount with IRS, The Bureau of Fiscal Services, and the Treasury Offset Program. However, this amount has not been subtracted from my actual loans.On XX/XX/XXXX I have made at least 10 phone calls to different departments and agencies to help resolve my issue and continue to receive more contact numbers that go to voicemail recordings.Or I am refered back to a non existent loan carrier/ lender. Can someone please help me get this resolved as I really want to fix my credit score most important.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I received a Walmart Mastercard/SyncB credit card in the mail to my home address onXX/XX/2019. 
This card was opened fraudulently, apparently on XX/XX/2019 ( possiblyXX/XX/2019 ). 
I call the credit card company number listed in the letter that came in the mail with my credit card. My call was on XX/XX/2019. I was connected to the company 's fraud agent. I informed the company that the credit card was opened fraudulently and without my knowledge. I asked the account be closed immediately and the company investigate this identity theft. I was told the account would be closed immediately, and I will receive a letter from the credit card company for follow-up. 
I am now writing this complaint to CFPB on XX/XX/2019.  As of XX/XX/XXXX US mail, I have not received a letter from the credit card company. My understanding this was for me to provide further written information for their investigation. As of XXXX ( EDT ) on XX/XX/XXXX, at least 1 credit bureau lists this account as still open. 
The company has erred twice here. First, opening an account fraudulently ( possibly with inaccurate information ) ; second, being non-responsive.

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 2019-07-05 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 — Card was charged for something you did not purchase with the card
Company: Affiliates Management Company
State: CA

Complaint narrative:
I am having problems with : CO-OP Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX XXXX Their phone is = XXXX -- XXXX coop extension They are contracted by 'XXXX  XXXX XXXX ' CO-OP Financial Services ( risk_email@coop.org ) is not returning my money from FRAUD TRANSACTIONS on XX/XX/2018 ... {$990.00} ... ... XX/XX/2018 .... {$490.00} CO-OP Financial Services ... hangs up the phone on their customers and needs to return my money from the fraud transactions. 

CO-OP Financial Services ... needs to be SHUTDOWN and not operate.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Upon entering my repayment period, upon graduation in XX/XX/2011, I was unemployed and needed to reduce my payments to their lowest possible amount. I was repeatedly advised to choose forbearance rather than IBR despite being eligible for the latter and despite the fact that the latter would result in a $ 0 monthly payment and the former resulting in accruing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my Wells Fargo checking account! I immediately went to my Wells Fargo branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with Wells Fargo. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all XXXX credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that XXXX is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? XXXX is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.

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 2019-07-05 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: GA

Complaint narrative:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX I applied for the Wells Fargo XXXX XXXX card. 
After submitting my information, i received a message informing me that my application was pending. 
on XX/XX/XXXX, I received a letter from Wells Fargo. This letter stated that my application was declined. 
the reasons were : Too little time has passed since cards were opened. 
I have an account which was opened in XX/XX/XXXX, and an account which was opened in XX/XX/XXXX. Why is that not considered enough time? 
Percent of credit cards opened in the last six months : I opened an account in late XX/XX/XXXX, and one in early XX/XX/XXXX. Why is that a problem? 
Not enough credit cards, retail cards, or credit lines paid as agreed on your credit file. Since opening my first account in XX/XX/XXXX, I have a 100 % on-time payment history. I can not see any way to improve this percentage.

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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: U.S. BANCORP
State: TX

Complaint narrative:
I never ask for loans I been getting mail from banks and other financial agencies approved lain letters Nd checks. How can I stop that. I am retired and on social security. Please stop these agency to lure people to sign that. This predatory lending and misleading marketing. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas 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 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened up the 5/3 Essential Checking on XX/XX/2019 under their {$500.00} opening promotion, {$250.00} for " Reach Individual Account Balance of {$500.00} within 45 days. Maintain Minimum Balance of {$500.00} for 60 days. ", and another {$250.00} for " Reach Total Deposit Account Balance of {$15000.00} within 45 days. Maintain Minimum Balance of {$15000.00} for 90 days. '' I've completed the requirements for both and have only received {$190.00} in payout. They paid out the first {$250.00} and withheld {$60.00} for tax purposes. When inquired, they stated I never filled out a form in-branch, but I opened up my account and was never sent such form. The other {$250.00} simply never posted. Despite multiple secured message inquiries saying that it would post, they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ASG Solutions LLC
State: TX

Complaint narrative:
I keep getting calls from a company called ASG Solutions LLC. The lady who left this message name is XXXX XXXX XXXX. I checked my messages today XX/XX/2019 I'm not sure if she called today or on XX/XX/2019. Any way her message states she is calling on behalf of XXXX shes been instructed to contact my place of employment today and to send out a courier and that I have been legally notified reference # XXXX. She would be calling my place of employment today. I called her number back got voicemail left a message stating she does not have the right to call my cell phone or employer. This message is threatening and has harrassing. Please stop these people from contacting me by phone and from calling or showing up at my place of employment. The only contact should be made by mail only. I'm sure they have violated some rules for debt collecting. I don't have any documents to attach I did save the voice message

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
2 years ago I entered into trial modification with Shellpoint mortgage servicing after they rejected a loan modification with keep your home California. I made all of the payments on the Trial modification. For the last payment, the representative refused to accept my phone payment claiming that the amount had now increased several hundred dollars. This was unfair. 

Shellpoint sent me a letter later asking about making a lump payment to bring the monthly mortgage payments down to the loan amount. Each time I requested the exact amount of the lump payment I could not get an amount as I wanted my payments to be the same as the trial. This was unfair. 

Because they would not accept my payment I fell behind as they subsequently would not accept mortgage payments for a month unless all months were paid. This was unfair. 4 months ago I sent them an Ach transfer from XX/XX/XXXX they sent it back. I purchased a XX/XX/XXXX cashier Check and they sent rejected it and refused to accept any payments. 

The single point of contact was changed in XXXX and provided no options The company made no effort nor provided any options. The company and representatives have been rude unprofessional obnoxious, call and then say they have nothing to offer so why do you keep calling. They never considered me for any loan modifcations and set a sales date. 

The company is unethical and requested a payment for arrears for {$29000.00} to bring the loan current. The initial point of contact said she would send me a letter of immenient forclosure to send to my TSP for a withdrawal. She has no knowledge of TSP and was ill informed. In her mind a TSP is the same as a 401k. It is not. She said she gave me a month to withdraw funds out of my tsp,. This is a lie as TSP is not a 401k and NO NO NO withdrawals are allowed until the new laws take effect that will allow for withdrawals on XX/XX/2019. The initial single point of contact provided no other solutions. No lower interest rates. No change in monthly mortgage amount. Nothing at all. Totally unhelpful did nothing at all to help keep my home, They refuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: NJ

Complaint narrative:
Hello, I made a payment of {$740.00} on XX/XX/XXXX. I called on XX/XX/XXXX to have the payment directed to my Dept of Ed loan. I was in informed the first time that it would be done by XX/XX/XXXX. Since then, I have called multiple times including today XX/XX/XXXX and have been given a different date each time. I am super disappointed in how my payment is handled and due to the lackadaisical approach, the interest continuously increases. This money of {$740.00} I am expecting to go straight to my principal but with this incredibly long delay, I am unsure. 

I have already called four times to inquire about redirected payment and I am on week 3 of still waiting for that payment to be processed. All I keep getting is that it is in process and a different date for when it will be taken care of. Well guess what its NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXX asking them to report my credit history accurately. I received a letter datedXX/XX/XXXX stating that they were reporting the information accurately. 

I have written, XXXX, XXXX and Experian asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is 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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Of or around XX/XX/2017 I applied for a XXXX XXXX position to apply makeup for the XXXX XXXX XXXX XXXX. I NEVER APPLIED FOR A CREDIT CARD I APPLIED FOR EMPLOYMENT AND THEY RAN MY CREDIT FOR THEIR STORE CARD! During this time I was at the beginning stages of credit repair so I wasn't getting my credit ran for ANY reason! Their inquiry actually did more damage to my already fragile score at the time. I immediately disputed the inquiry by letter AND by phone. XXXX XXXX denied all of my requests. I recently wrote them a letter to remove the inquiry which they denied again.

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 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Had a negative balance on card, they couldn't tell the difference between and negative or positive balance they charged me {$25.00} overdraft twice even though nothing was owed. They refunded half of the charges but still another {$25.00} was charged. They never correct it.

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