vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been wit h capital one for more than 5 years and I have   XXXX    cr edit card with them. in   XX/XX/XXXX   I called them to let them know about my wallet that has been stolen, the agent on the phon e told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 bu siness days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account.   Now, mind you I got back to the country on  XX/XX/XXXX , and I called  capital one because I never received the    XXXX   new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more tha n 3 s upervisors and they each told me the same thing that someone will get back with me on  XX/XX/XXXX .     Yesterday my lender called me and said that they can not continue with my V
A loan because capital one is reporting late charges and over the limit of {$820.00} dollars when your limit is {$750.00}, I 've never been late on this account I always pay my card at least week or two earlier than the due date. Capital one is   definitely out to hurt me or is it their objective to see more homeless  XXXX  veteran on  the street.  I am on the phone right now again with another supervisor by the name of  XXXX  and so far she has been the only that looks like she wants to help me so she says she 's going to do some more digging and call me back, and I 've been put on hold again for more than  30 m inutes just waiting and waiting. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau and fix the amount that they are reporting to the bureaus. thank you and shame on y ou Capital one  CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in  XX/XX/XXXX  and I might loose my future home for me and my family. thank you for a desperately wounded warrior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TN

Complaint narrative:
On  XXXX / XXXX / 2017  a  XXXX    XXXX   XXXX   was pulled from Transunion. This is a soft pull and should not show up as a hard inquiry. I was made aware that this is showing as a hard inquiry through  XXXX  different monitoring companies.  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX   which is part of Transunion. This error has caused my score to drop and would imply that I have applied for credit. I have talked to Transunion  XXXX  different times Monday  XXXX   XXXX , Tuesday  XXXX   XXXX , and Wednesday  XXXX   XXXX  to get this resolved. The staff that I talked with had no idea how to fix the problem. In fact they dismissed my concern and offered no solution. Transunion is reporting incorrect information and even after bringing it to their attention 3 times they failed to correct the problem. I have attached a copy of an email from  XXXX   XXXX  and  XXXX   XXXX  for validation and review.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Primary Financial Services L.L.C.
State: AZ

Complaint narrative:
XXXX   XXXX  of  XXXX   XXXX  in arizona is creating LLCs with lenders to work around respa violations. Investigate him

Company response to consumer: Untimely response
Consumer complaint received 2017-05-18 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: IA

Complaint narrative:
1. Navient m ade subprime loans to me, while attending  XXXX  University  XXXX   XXXX , a for-profit school. My loans include :  XXXX   XXXX  Subsidized  Lo  an- XX/XX/XXXX - XX/XX/XXXX  for a   XXXX   XXXX   degree at University   XXXX   XXXX  . {$8500.00} and   {$12000.00}. I was unable to find a job within the 6 month grace period. I let    Navient Solutions, LLC know. and they sent a collections company after me anyway, as well as said I defaulted on my loans. They never offered me any alternative ways to   pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On   XXXX   XXXX   XXXX     2015 Barclays Ba nk Delaware placed a hard Inquiry on my   XXXX    Credit Report. The report is  two yea rs old and needs to be removed and furthermore I never provided authorization for the inquiry. I do not have any open accounts with this company so this inquiry needs to be removed.

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 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo did not take off a mortgage loan I refinanced with them on my title to the house. Therefore my title lists two mortgages for the one home. This means I can not refinance because they illegally kept the refinanced, paid in full, mortgage on my title. They indicated " they are looking into 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 non-monetary relief
Consumer complaint received 2017-05-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX 2016 XXXX placed a hard inquiry on my XXXX  Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts. On XXXX XXXX, 2016 XXXX placed a hard inquiry on my XXXX Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts.

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 2017-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks   XXXX    separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd  party vendor (   XXXX    ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my  FULL  social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Systems is tryi ng to collect a debt that was included in bankruptcy. The debt is fro m 2013. They a re t he 3rd co mpany to purchase the debt and refuse to take it off. It has already been removed by  XXXX  other companies that purchased the debt not owed for {$530.00}. I have filed a dispute with all  XXXX  reporting agencies. I have also contacted the company directly. They have re-aged the debt multiple times, making it appear to be recent and keep re-reporting. They refuse to follow the law. I have never even received anything by mail or otherwise from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: OK

Complaint narrative:
EXPERIAN IS LYING ABOUT THEIR RESPONSE BELOW. THEY ARE SAYING THAT THE CREDITORS XXXX XXXX HAS NEVER REPORTED THE MAILING ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. LOOK CLOSE TO THE DOCUMENTS IN THE UPLOAD WERE XXXX XXXX SENT ME A RESPONSE LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX. Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. THE ADDRESS SUPPLIED IN YOUR COMPLAINT HAS NEVER BEEN REPORTED TO US PREVIOUSLY BY ONE OF  YOUR CREDITORS ( THIS IS NOT TRUTH, EXPERIAN IS NOT PROPERLY INVESTIGATING THE MATTER PLEASE SEE WERE THE COMPANY XXXX XXXX SENT ME A LETTER TO THE ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPLOADED IN THE DOCUMENTS TO VERIFY MY CLAIMS AND FACTS THAT THE XXXX XXXX  HAS USED MY ADDRESS AND REPORTED IT TO THEM ). In order to assist you, we must first verify your current delivery address. Please send two items that verify your current address, with one of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation