vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 bank accounts with Capital One, one is an individual and the other is a joint with my wife. I had unauthorized charges on my debt card that is linked to my individual account. I called and notified Capital One as soon as I saw these charges on my account. Capital One was not able to resolve the issue within 10 business days and gave be provisional credit while they investigate. I was contacted on XX/XX/XXXX by an investigator regarding the unauthorized charges. He asked if I could file a report with the local authorities. I explained to him that I was in my car and asked if I could do it on Monday when I got back in town. He stated that he really wants me to do it sooner than later. I then told him that I will try to get it down online when I get to where I was going. When I tried to file the report online, it stated that this type of report can not be done online and it has to be done my mail or in person. On Saturday XX/XX/XXXX, I realized that my individual and joint account were both frozen. I called Capital One to find out what is going on and they told me that I have to speak with the representative that put the freeze on my accounts ( this was the representative that I spoke with the day before ). On Monday XX/XX/XXXX I called the representative a number of times and left a number of voicemails. Finally I was able to get ahold of him through a service team member. He said that he has up to 72 hours to call me back but, since he has me on the line he would answer whatever questions that I might have. I ask him about the freeze and he admitted that he did do it. I explained to him that I could not do it online and that I had to either send the form in or do it in person. He then stated that's not what he told me to do. He stated that he told me to do it Friday, which is not correct. I let him know that he can not freeze my funds on my accounts. He said that he will continue to have all of my accounts frozen, including the one with my wife, until the investigation is complete. This violates my rights under the Electronic Fund Transfer Act ( EFTA ). Under EFTA V. Consumer Liability and Error Resolution ( 12 CFR 1005.6, 1005.11 ) it states the process and procedures on how a bank is supposed to act. Capital One is not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hello I recently I went to court and was ordered to pay XXXX XXXX XXXX XXXX {$320.00} for pro-rated rent. XX/XX/XXXX I have attached my proof to this complaint. The collection agency has put a crazy amount on all three credit bureau for XXXX. I do not owe this amount. I have already paid what I owed. I'm currently in the process of buying a home and this is impacting my process. I need the company to remove this collection from all three credit bureau 's. I need them to produce a lease with my signature for XX/XX/XXXX showing I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Good day, I started receiving calls from this company several years ago. Apparently, it's in reference to a debt that I have challenged. I have asked them to stop calling my work cell number. They have apparently found other numbers associated with me and repeatedly call. I would say the earliest calls are around XXXX and the latest are around XXXX. The worst was on Wednesday, XX/XX/XXXX at work. Call was about XXXX. When they asked to speak to me I asked who it was. The guy said he was a " surgical doctor '' and needed to speak to me. I challenged and he demanded me to pass the phone to the person he was looking for. I ended up hanging up. 

In addition, I have received emails from this company. Not threatening yet.

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 2018-09-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed:XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA 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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good morning, My name is XXXX XXXX I financed a vehicle ( purchase ) thru Bank of America back In XX/XX/2005 all payments on time never missed a payment payed off in full on time. On my credit reports it reflects late payments, the worse part is its still reoccur on my credit!! My Vehicle has been pay off on time as promised there should be no reason why this is still reflecting. I've contacted them ( over the phone, via email ), on numerous occasions, I compiled with there request, I sent all documentation as requested, with at times no response whatsoever. Contact the XXXX continue to try and communicate with Bank of America with no results it seems to me that BOA has no proper division that handles these types issues and quit frankly they don't seem to care. We the consumer are stuck with no place to vent to correct theses matters, All three credit bureaus have instructed me to reach out speak to Bank of America, Simple right!? Why didnt I think of that!? ... Unfortunately there's no one that handles these situations over the phone nor email I continue to get the run around with no success. A bofa representative that try his very best to assist me basically said no one can help you here please stop with calls and emails there's nothing we can do for you. He apologize and recommend me to lawyer up. I'm not no where near able to afford an attorney, any assistance would be greatly appreciated sincerely. Below I will attach all my contact information if need. Thanks again for you time. 
XXXX XXXX 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 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I was behind XX/XX/XXXX payment as i was told by a representative to miss a payment in order to apply for mortgage assistance. I then mailed a payment in of {$1000.00} in XX/XX/XXXX which was confirmed and received. I then mailed a payment of {$700.00} in on XX/XX/XXXX which was confirmed and received. I was advised that the payment sent in XX/XX/XXXX was credited to my XX/XX/XXXX payment. I received a trial modification on XX/XX/XXXX I made all payments and in XX/XX/XXXX i was advised that the final modification was mailed out to me in which i never received the documents. I continued to make payments on the mortgage and never received word that the lender removed me from modification review for not signing the modification documents. I was not made aware of lender not receiving documents as lender did not correspond anything with me until XX/XX/XXXX when i received documents stating NOTICE OF DEFAULT. I began to worry. I have placed several calls to lender to advise that i never received any documents. Lender advised me that they sent the documents to XXXX XXXX who previously represented me back in XX/XX/XXXX. In which the law office is closed and no longer represents me. I have sent in several documents stating XXXX XXXX does not represent me. I have been attempting to get the final modification documents from lender but every time i speak with someone i get the run around passed from department to department. I need some assistance with this situation. I have mailed in a letter of error to lender and yet i am still not getting any resolution. Also, i just made the payment of {$900.00} which was advised by the representative ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!

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 2018-09-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL  DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!

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 2018-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Please forward this communication to XXXX XXXX XXXX, Office of the Chairman at Citizens Bank ( who will be able to reference the previous communication ). 

Dear Dee : I'm in receipt of your response to the previous complaint through the CFPB ( case number XXXX ). 

While I appreciate your running down every event during the life of the loan, it was unnecessary and had little to do with my complaint. I apologize for any confusion. 

The complaint specifically involves Citizens employing negative amortization to calculate interest on two payments we obviously know we deferred via an offer to customers in good standing. 

Legal precedent clearly indicates that negative amortization violates Truth in Lending, is considered to be a predatory bank practice, and is illegal in many states. When and if negative amortization is employed, it requires full and detailed disclosure in all cases, which was clearly absent in the " PaymentBreak '' offer. 

If US interest had been employed, our interest on the payments we deferred, would have been approximately half the amount Citizens charged us. ( I can when convenient for you, provide two separate loan calculations for illustration purposes. ) What your " PaymentBreak '' offer should have stated was not " interest will still accrue '', but rather " interest on interest '', or compound interest would accrue ''. It furthermore should have advised that these deferred payments be paid back immediately to avoid financial mayhem, instead of stating that Citizens would just tack the deferred payments onto the end of the loan term. 

This is an update to my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went to the Wells Fargo ATM on XX/XX/2018 to deposit {$1900.00}. As instructed by the ATM i put all bills inside the deposit slot. The ATM asked if a deposit of 9 bills of XXXX for a total of XXXX was correct. I replied No and the ATM gave me back XXXX. I then left with the XXXX and called Wells Fargo ATM operations within 30 minutes to advise them of the error. Wells Fargo gave me a Claim # XXXX & They advised it could take up to 1 month to research the error. Within two weeks Wells Fargo applied a temporary credit of XXXX to my account while they completed there research. On XX/XX/2018 I received a Letter from Wells Fargo claiming that the research had been completed and there were no issues with the ATM & would be deducting {$1000.00} from my bank account. I called Wells Fargo to determine what research the completed and they said the ATM was checked for any jams and there were no jams. I asked if they had ran a register total for the ATM and the Wells Fargo Agent said she did not see any.. I asked if they had pulled the Video and the Agent said they had not. Since a full research had not been completed I went back to the Wells fargo bank and asked them to file a complaint since it was their ATM that failed and that a complete investigation needed to be completed. The Manager gave me the phone number for their Executive offices so I could call them.. I called Wells Fargo Executive Offices and they gave me a new Claim # XXXX. The agent said that they would try to get the video from the ATM and also see about the register as well. On XX/XX/2018 I received a Letter from Wells Fargo Operations complaint Management Office which claimed they were not able to determine a ATM malfunction. They claimed the ATM was balanced and no cash was found. Additionally they claimed that ATM Video will not determine the bills that were inserted or the ones returned so they will not be pulling the video. Needless to say I am out XXXX dollars and a complete investigation was not done. Furthermore I go on XXXX to find out that Wells Fargo was having a number of Deposit issues at the same time which included ATM 's and Phone Deposits via Scanning. It is my opinion that the Bank did not do all that was needed to complete a through investigation. Please help

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 2018-09-26 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: Student Loan Debt Agency
State: CA

Complaint narrative:
I only attended the college for 4 months and I am being charged XXXX in 4 separate loans.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-26 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: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
On XX/XX/2018 Weltman Weinberg & Reis reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
Trying to close share account XXXX. I have sent two written requests and nothing seems to be happening.

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 2018-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA 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 2018-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. 
This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/2018, Equifax, XXXX, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. 

If a response was sent, can they please be resent?

Company response to consumer: Closed with explanation