vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY CURRENT MORTGAGE COMPANY SHELLPOINT MORTGAGE AND WAS DENIED DUE TO HAVING EQUITY IN MY HOME. THIS IS ABSOLUTELY INCORRECT AS I HAVE XXXX MORTGAGES WHICH MAKES ME UNDERWATER. I TRIED TO EXPLAIN THIS TO MY ASSIGNED REPRESENTATIVE XXXX XXXX, HOWEVER IT IS APPARENT HE WAS NOT HIRED FOR CUSTOMER SERVICE BUT TO ARGUE THE POINT HE DOESN'T CARE NOR WILL THE COMPANY HE WORKS FOR WILL DO ANYTHING ABOUT IT. I HAVE BROKEN DOWN THE LIENS ON TITLE TO SHOW THAT I AM UNDERWATER ON THE PROPERTY AND SHOULD NOT BE DENIED FOR HAVING EQUITY AS HE STATED, HE SAID ITS NOT HIS PROBLEM. 

My mortgage balance on the first XXXX is {$240.00}, XXXX ( {$34000.00} delinquency estimate ) My mortgage balance on my second lien is {$100000.00} Total {$380000.00} Appraised value per representative {$350000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was an authorized user on my fianc 's credit card for almost a year but I decided to have him call this credit card company to remove me from the account. When I was initially authorized and received my card in the mail, I was not able to activate the card. No reason was given from 1st day it was opened and remained that way after several failed attempts of trying to activate card. A month and a half later, XXXX XXXX XXXX called me about collecting debts from 2013. I asked them if that had anything to do with the Capital One Card I was an authorized user on and they said he. I called Capital One again in XXXX but the made Cardholder speak on my behalf. He explained what happened, they said there was nothing they could do and removed me from his account and updated my credit report as of closed the account with his balance. I have received calls from this XXXX number who asks for my fianc after stating she's on a recorded line. I asked where she was calling from so he could call back after his shower. The call happened tonight at XXXX. They would call his phone 1-5 day and respond in one of two ways- " We are calling because your payment is past due and if you need us to help you with payments, stay on the line ( on hold for 20 seconds or so and they end call. Capital one is harassing me and I never even had the opportunity to use the card! So why are they doing this after ive asked them to stop multiple times. This is 3rd call this week but this specific call was the time we spend unwinding after dinner. I would like to pursue the next step after this has been documented and is found to be in violation of my rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My check was supposed to be in my account today XX/XX/XXXX & it isn't there, I called customer service and they hang up

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 2019-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: First Data Corporation
State: NY

Complaint narrative:
Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. 

I was really excited when I came across their advertisement somewhere online. 

Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. 

I called the company immediately and ofcourse they said nothing can be done for me. 

I then looked at my credit karma app to see I had a hard inquiry for basically nothing.

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 2019-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: CA

Complaint narrative:
hundreds of robocalls from ( XXXX ) XXXX / ( XXXX ) XXXX and other for the past 5 months with the prerecorded 39 seconds message - For your convenience, you can now visit us on the web at XXXX have your reference number available with you and logging in again, refer to reference number XXXX. And the number to call is XXXX. Thank you for your convenience. You can now visit us on the web at XXXX have your reference number available with you and logging in? 

most recent timestamps : XX/XX/2019:XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: Innovis
State: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am current a Naivent private XXXX XXXX customer. I received a Prequalified letter to refinance my student loan with XXXX a member of the Navient family of companies. The deadline to apply was XX/XX/2019. The letter only provided a website to apply. After confirming XXXX 's affiliation with Navient, I proceeded with the applying to consolidate two of my existing student loans ( with Navient and XXXX  XXXX XXXX ). I applied for the loan on XX/XX/2019. Immediately after completing the application, I received a rejection letter and statement I will be notified of the reason behind the decision. I received an electronic letter on XX/XX/2019 describing why I did not meet the eligibility requirements. On XX/XX/2019, I printed and reread the letter to discover the reason why I was denied did not make any sense. The letter stated I did not meet the eligibility requirements because my credit score does not meet the minimum criteria. My credit was mentioned on the letter as a XXXX. This information was collected from XXXX. I called the number provided on the letter XXXX to get clarification on XX/XX/2019 at XXXX pm central time. The male representative ( name unknown ) confirmed my identity and acknowledged my application. He also stated the call was recorded. I asked him to explain how my credit score did  not meet the minimum criteria. The rep 's response was that was the response generated when the application was ran. I asked what was the credit score range. He refused to tell me and further stated it was propitiatory information and that the company did not have to disclose the reason why I was denied. I also stated how do I know if the company did send me the prequalify solicitation to collect my information and sell it to other companies. He stated they would not do that. I also asked how do I know if my application was not turned down due to my name being ethic and my address in a predominately minority zip code. He stated that was illegal. Despite his denial of any illegal wrongdoing, I very concerned about the reasons behind my denial since my credit score is an acceptable score for lending. I have reason to believe unfair  practices were used to disqualify my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NJ

Complaint narrative:
I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a XXXX XXXX. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX   representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX and TransUnion and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.

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 2019-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX  ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner. 



Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount. 

LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ).

PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds.

Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is my second CFPB complaint to Capital One, I filed a previous complaint last month which I have not got any response still. When I contacted Capital One they stated that I need to verify my Social Security Number and send me a SSN form to fill out which I returned to them, they also asked I send in a copy of my driver 's license and SSN card which I did last week. Now there asking for bank statement, which am not comfortable sending my private information in my bank statement. I had this account for years and now Capital One put a restriction on the account and asking for all this without letting me know why there requesting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I received a letter on XX/XX/XXXX stating my accounts were being closed with no explanation. The letter stated I had until XX/XX/XXXX to reconcile all banking activity. This left with 5 business days with the weekend and the holiday within that date range. On XX/XX/XXXX after inquiring about the situation via telephone I was informed that my account was frozen and I could not have access to my money. No transactions or automatic payments would be completed which I had intended to be resolved before the XX/XX/XXXX deadline. At that time I had an automatic debit in process for my mortgage and a loan payment due on the first of the month. I was not given an appropriate amount of time to insure these payments were secured. On that same day I was also denied access to my online account which stopped me from being able to view any transactions in process. I was not able to determine if payments of my loan had been processed. I also have a joint credit card with my daughter who is a college student in Florida. I inquired if that account was also targeted and was told there was no information relating to that being it was a separate entity. On XXXX my daughter was denied use of the card and on XXXX I received a letter stating the credit card account was also being shut down. I am completely appalled that a bank can have such unfair practice and control over my money without proper notification. Not allowing me access to my money seems unethical if not illegal. I was never given an explanation for these actions and was told it was not my right to know. I have been a customer for over thirty years and have never had any issues with any of my accounts. In conclusion I am asking for an investigation into this unfair practice. I would like to know that a bank can not take control of someones money without god cause or a reasonable amount of notification. I feel that a thirty day notice is a reasonable amount of time to reconcile or banking  transactions and it should be my right to refute any information used against me to cause my accounts to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: NJ

Complaint narrative:
I received a letter from Equifax on XX/XX/2019 stating that based on the contents of my Equifax credit file my credit score is unavailable. I then called customer service and spoke to a Supervisor. Despite answering a series of questions correctly, she refused to confirm my identity and was unhelpful. I then filed a complaint with the XXXX   XXXX XXXX on XX/XX/XXXX, to no avail. Then I received a notice of reinvestigation concerning my FICO score dated XX/XX/XXXX stating that Equifax has received my concerns and their conclusion is to visit their website at Equifax.com for information on credit scores. This gave me no additional information. As of XX/XX/2019 I have an Equifax Credit Score of XXXX. As a consumer I should have a current score between 300-850. This is completely unacceptable and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09 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: TX

Complaint narrative:
i have multiple credit inquiry i never initiated and as a victim of identity theft, i had a fraud alert placed on my credit report which requires 1. i give a written consent before my credit is pulled. 
2. i be called before my credit is pulled. 
3. credit report should stay as much a 6 months, but we also have 11 Pulls within a 1 month span from an individual company ( XXXX ), XXXX XXXX pulls within a week span. 

none of the above fraud prevention measures were followed according to FTC rules, attaching fraudulent pulls below and should be investigated and deleted Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX i have attached 2 police reports from City of XXXX & XXXX XXXX to further make the case that this is a result of identity theft and upon failure to delete these, i would have o choice but to proceeding with legal actio against Transunion XXXX already deleted these as a result and so has XXXX. 

thanks 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