vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I have requested no phones call from this company since the beginning of my loan. The refuse to remove my number and continue to call. If I am 1 day late I get threatening text email and calls that they are going to turn my car off. On XX/XX/2018 My account was 20 or 21 days past due and I spoke with XXXX and explained I was getting a loan through my credit union to make the payment because I missed 3 days of work for my grandmothers funeral. That she wasn't accepting my arrangement and was moving forward with my account and then she hung up on me. My account has never been more than 30 days past due and I get threatened with every call from them. I get calls, emails and text with them threatening to turn my car off. 2 weeks ago they shut my car off on a Saturday when I had arrangements set with them and wouldn't answer the phone. I was with out a car until that next Monday. They use the GPS shut off even on 1 day past due. Tells me that because this is tote the note loan I have no rights and they can do what they want because they took a chance on me. Their collection efforts are harsh and abusive. Just because my credit isn't perfect doesn't mean they can be ruthless.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
U.S Bank put us in a program after hurricane harvey hit and said we wouldnt have to worry about anything happening to our credit or late payments. They ended up saying we didnt pay them for 3 months that were after our program when we werent supposed to have to worry about that. We were told it would go to the end of the loan period.

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 2018-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was diagnosed and hospitalized for XXXX XXXX for over a month where the XX/XX/2017 payment was missed and marked late for XX/XX/2017. I sent Cap One proof of my hospital stay but Cap one failed to adjust accordingly. I am adding front page of my bank statement ending XX/XX/2017 which shows a balance of {$1500.00} in my bank account therefore no problem at all to make the {$25.00} payment that was due.. Even Capital one knows my income is over {$400000.00} a year. As a result, I have no reason for me to fall behind if he was physically able to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Previous complaints was closed, I requested that USAA, send paperwork pertaining to their actions. They have only made statement not verification of proof. They have not looked for the payments, nor given time to complete any paperwork. USAA had 5 different subserves on this one, the payments has been not reported, they stated that XXXX never had my loan, XXXX, XXXX, XXXX, XXXX, and USAA themselves. I have sent documentation of all them.

USAA is saying we have opportunity to modify the loan, but given the letter on XX/XX/2018 from a former lawyer. I really would appreciate if some one can request their paperwork instead of just statements they have given. They have opportunity to correct Deed, contracts and other documents, but just keep assisting that they want to help. Contact them and it is not the case saying its to late.

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/XXXX, I accidentally sent a payment to a closed Discovery Card account through a bank transfer. I notified them of this and they issued me a check in refund and deposited it. On XX/XX/XXXX, I revived a statement for the closed account showing a zero balance. On XX/XX/XXXX, I received a statement of {$270.00} balance on the closed account that they were attempting to collect. I have made no purchases on this account since XX/XX/XXXX. I sent a letter to contest the validity of the debt before the end of XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

I received a statement with a {$290.00} balance on XX/XX/XXXX, and they have reported a non-payment to credit reporting bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: KEYCORP
State: MI

Complaint narrative:
I recently refinanced my loans through XXXX XXXX. XXXX XXXX uses XXXX XXXX as the processor. XXXX XXXX disbursed my new loan to KeyBank, the holder of my student loans.

KeyBank   claims to have no knowledge of my disbursement from XXXX XXXX.

Both KeyBank and XXXX XXXX   use XXXX XXXX. XXXX  clearly shows the the disbursement was made.

I have been in contact with KeyBank, for hours at a time. The student loan call center is located in XXXX, XXXX. The staff has no ability to resolve my issue, and tell me that only one person -- XXXX XXXX, can fix my issue.

The call center will not provide me Mr. XXXX 's information ; nor will Mr. XXXX call me as requested.

This loan is still on my credit report. KeyBank has sent my co-signer seven letters. They are calling me for collections. They are reading me the collections mini-miranda.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: CA

Complaint narrative:
Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.

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 2018-08-01 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:
On XX/XX/XXXX per my instruction my payroll was direct deposited into my cousin 's account, my name is not on the account. Although I was able to access previous payroll funds direct deposited to this account, Capital One placed a hold on the funds mentioned above, due to suspected fraud. 

Both myself and my cousin, presented ourselves and our respective valid IDs to a branch location, to show proof of ownership of the account and the funds. However, Capital One still refused to release the funds and refused to communicate directly with us with the exception of advising us they would only release the funds to my employer. 

My employer XXXX XXXX intervened and tried to get the funds sent back to them so that they could cut me a paper check. XXXX XXXX has made multiple attempts to fix this issue with Capital One, without success. 

It has now been over 6 weeks ( more than enough time to conduct a fraud investigation, especially since all parties involve are trying to work with Capital One ), with no notable progress. As of XX/XX/2018, Capital is still refusing to release MY funds to me, my cousin or XXXX XXXX. Their latest roadblock is to advise XXXX XXXX, the funds are in use and can not be released. For the record, Capital One continues to block my access to the funds and refuse to speak directly to me about the situation. The number I was provided ( XXXX ) merely transfers me to a messenger system, where after dozens of messages, I have never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: FL

Complaint narrative:
Experian continues to report negative fraudulent accounts on my credit report that need to be removed from report number ; XXXX XXXX   XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.

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 2018-08-01 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: CA

Complaint narrative:
Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX   on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX  placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account

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
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance
State: NH

Complaint narrative:
XXXX parent plus loan..paid on time for 5.5 years..bills stopped. 
XX/XX/XXXX2018. Found a new ffel CONSOLIDATED loan done online in my name I did not initiate now getting IRS OFFSETS tis how i found out..ruined credit..3 months of different collection groups..tid bits of info..i requested a computer address of the loan..no info i requested a discharge got denied

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 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
In XX/XX/XXXX, I received a letter AND a phone call from Portfolio Recovery Association claiming I owed {$420.00} from XXXX XXXX. I asked for proof of what was purchased at that time and they said they couldn't provide the proof because the debt was from XX/XX/XXXX and " their records don't extend that far. '' I then said that I would like to report theft and to please send me an identity theft form to fill out, which they agreed to do. Four days later, I get the same letter I received the first time with no identity theft form to fill out and the phone calls still continue. From XX/XX/XXXX to XX/XX/XXXX I have been receiving calls from different numbers from Portfolio Recovery ( at least 2-3 times a day ). The phone calls got so out of hand that I ended up having to cancel my landline because of Portfolio Recovery 's constant phone call harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received this Withdrawal Letter and and loan application from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX/XXXX  XXXX, CA, XXXX Who has an zip code with XXXX XXXX 's at the end. Never had the phone number ( XXXX ) XXXX. I never had liens of {$140000.00} and had no subordinate financing of {$9000.00}. I never spoke with XXXX XXXX on XX/XX/2008. This is fraud. I never had assets of {$200000.00} and then seven days later have another {$4000.00} in assets on the refinance. I didn't know who Countrywide XXXXome Loans was until I received my first billing statement in XX/XX/2008. This is why I never received copies of anything from Countrywide for the HELOC and the refinance because they falsified my loan documents after I sent them back by mail. Also, if your implying I told Countrywide Bank by telephone I had all these assets they would have had to have verified it and itemized it for the loan. I sent in documentation as to my income. I find it funny that the other two loan applications were from XXXX, Arizona from XXXX XXXX. The licensing for these loans was in Arizona. For the refinance, Countrywide Home Loans Inc. # XXXX  ,XXXX XXXX XXXX XXXX XXXX, XXXX, CA., XXXX was closed in Arizona on XX/XX/2008. So where did the money go if I didn't sign a loan application until XX/XX/2008. You can say you were just the loan servicer and you consider this closed but now I'm sending all information to the Attorney General 's office with all the proof including my promissory note. Do you think if I had all those assets I would have lost my home. I don't care how old this is. Your falsifying a document that should have been sent to me last year when I requested all documents from my file. Bank of America also falsified another document. So I have two documents one from Bank of America and one from XXXX XXXX. This is far from over.

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 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have american express personal platinum card XXXX, which has XXXX points which I would like to transfer to airline partner as advertised by AE. 
I kept getting this message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I have the card for a long time, and I believe this action from AE prevented me to transfer points and use points for airline at a timely manner. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief