vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Hello, On XX/XX/2020 I requested a wire transfer of {$11000.00} from my checking to my account in XXXX. According to the receiving bank in XXXX ( XXXX XXXX  ) instructions were received on XX/XX/2020 but no funds were sent, XXXX XXXX reached out to Capital One on XX/XX/2020 to inform that the wire can not be completed. On XX/XX/2020 funds were sent to XXXX XXXX  but without appropriate instructions ( missing beneficiary 's name, account number ) therefore they could not be properly booked. 
In the meantime, on XX/XX/2020 I recalled the wire since the money was missing and nobody could explain where the money is or help me. Funds ( {$10000.00} ) were returned by the receiving bank on XX/XX/2020 but only {>= $1,000,000} was credited to my account with Capital One on XX/XX/2020!!! 
This was a very long and frustrating process having my money missing and not available to me for 5 weeks. Capital One was not helpful and ignored my emails and phone calls which is very unprofessional and not reassuring to the customer. 
I spent a lot of time trying to trace the wire, calling both banks, here and in XXXX. 
This money was sent to pay my mortgage on the place I am buying in XXXX. 
As a result of Capital One Bank 's incompetence, I incurred late fees on my mortgage payment. 
Also I was charged by Capital One a fee of {$40.00} to initiate a Wire, {$25.00} by the receiving Bank in XXXX to receive a wire. Out of the total Wire amount of {$11000.00}, I was refunded only {$10000.00}. I am seeking to be reimbursed the fees of {$140.00} I was charged since the services were not performed and cased me great deal of stress. 
I save and budget my money carefully and this situation caused me unnecessary financial expenses due to lack of competence and professionalism displayed by Capital One. I did file a complaint previously-ID XXXX, I am filing this complaint to recover the fees unjustly charged to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XX/XX/XXXX - I visited a PNC branch in XXXX, VA to close all accounts as they've been unused and dormant. The representative refused to help as she was going on break, but explained I could close the accounts through the PNC Online portal. There is NOT an easy 'button ' for this and they suggest sending an email. I did send the email and requested all accounts be closed ( personal checking and reserve - XXXX balance ). 

XX/XX/XXXX - I receive a statement email from PNC. I contact their Rep via XXXX and demand all accounts be closed, still unused and dormant. THEY HAVE STILL NOT COMPLIED AND THE ACCOUNTS REMAIN OPEN. 

Now - I NEED ALL ACCOUNTS CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
I checked my credit to see an account for SECURITYCRED with the ORIGINAL CREDITOR : XXXX XXXX XXXX for {$830.00}. This is debt is not mine. A family member used my name to purchase merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
My insurance company mailed my mortgage company a renewal invoice on XX/XX/2020. The mortgage servicer held the invoice until XX/XX/XXXX before cutting a check. That check # XXXX was not placed in the US mail until XX/XX/2020. Today I received a 10 day cancelation notice form my insurance company for non payment. I contacted PennyMac the mortgage servicer they are saying it takes 10 business days before they will do anything. After that point they will verify the check has not been cashed issue another and overnight it. That will take 5 business days. At that point my insurance will have expired. PennyMac further told me I have 30 days grace period before the insurance company will cancel. The 10 day cancellation notice is clear from my insurance company my policy will expire XX/XX/2020 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AZ

Complaint narrative:
They are still showing on my report I've requested to have a fraudulent card open and used from XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXXand it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still 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 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Transunion is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. 

I would like for Transunion to provide proof of verification and validation or delete the debt if neither can be provided just as 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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I checked my credit and saw another account from Receivable Management Services LLC for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: V and H Portfolio
State: TX

Complaint narrative:
I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. XXXX  has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
closed on mortgage and made first scheduled payment in XX/XX/2018. Soon after Pennymac began saying we were behind with amounts swinging wildly one way or the other. We have made all payments, although a few have been late, and they are now threatening foreclosure although my records show me current. I have sent a qualified written request to have a complete accounting of all payments to try and figure out what is wrong but they have not sent a reply or accounting of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AZ

Complaint narrative:
They are still showing on my report I've requested to have a fraudulent card open and used from XXXX  XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still 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 2020-03-06 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: AZ

Complaint narrative:
They are still showing on my report I've requested to have a fraudulent card open and used from XXXX XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i cheked my credit a few months ago. its not the law, I never had a XXXX  account I dont speak english the rep is very abusive with language. The other bureaus deleted it but equifax refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete XXXX  and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE AUTO HAVE LATE PAYEMENTS AND I HAVE AUTOMATIC PAYMENTS. THEY MADE A MISTAKE NOT ME. I M NOT A CITIZEN I WOULD NEVER RUIN MY CREDIT. THEY IGNORE ME THEY ACT LIKE THEY CANT UNDERSTAND MY LANGUAUGE I SPEAK XXXX AND I USE A DICTIONARY TO WRITE. I NEED THEM TO STOP PAYING WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_statu

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Concerns my Macy Card, through the Department Stores National Bank in XXXX Ohio. 

I paid off my balance in full on time in XXXX - {$58.00} My XXXX statement says I owe a {$2.00} fee. The statement says that I do not owe any interest. 

I contacted the bank and the automated person referred to it as interest and automatically removed it before I even talked to a person live. 

The statement says that " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month '' There is nothing on the statement about any {$2.00} fee. 

I talked to a live person to cancel my card. Her verified that my last payment was on time, and said the {$2.00} charge, which he referred to as an interest, was the result of " computer error '' I wonder how many people pay this fee and how often the company refunds the money given that it is their error and they know it. My sense tells me that a ) alot of people, and b ) never. 

These guys need someone to look into their apparent fraudulent practices.

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 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2020 I called to received statements from PNC, which I been an account holder for 4 yrs plus. Spoke to a very nice representative she verified my address never mention it would be a charge for them to send me out statements for {$210.00}. My account was in the negative at the time when I made this call, so I didn't have the XXXX for the representative to even charge my account, which made my account in the negative and also dealing with another dispute with PNC with another merchant taking money out of my account anyways. The representative should have seen that my account was in the negative and in escalation from a dispute and didn't have the money to charge for the statements. So she took money I never had and didn't make me aware of the amount of the fee. So basically she charge my account without making me aware and took money that was not even in my account to take. 
I called to speak to a supervisor, I spoke to XXXX XXXX he denied and stated that its in the paperwork when I open up my account that its a charge. Then I spoke with a manager XXXX XXXX, she stated she would have asked to see if it was a charge. PNC is not understanding to be able to charge someones account rather you are the bank or just the merchant you have to authorize the amount and also have the amount to charge I did'nt even have the money to take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 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: ReliaMax Holding Company
State: IN

Complaint narrative:
In the Fall of XXXX, I registered as a student at XXXX XXXX XXXX of XXXX. I began classes in XXXX of XXXX and graduated with a XXXX XXXX XXXX in XXXX of XXXX. Shortly thereafter, I consolidated my federal student loans and have been paying them back via an income-based repayment program through National Student Servicing.I have had no trouble making these payments and the remainder of my federal student loan debt will be forgiven by XXXX. 

My problem is that six months after graduating, I started receiving bills from a bank called XXXX XXXX for over a thousand dollars. I am not and have never been in a position to make such a payment. I struggled to make payments for what I was being told was a " private student loan. '' In XXXX, XXXX XXXX sold my student loan debt to Reliamax Surety Company. I continued to struggle to make payments, and I attempted to consolidate this private loan through a company called XXXX XXXX. My consolidation payment was {$1100.00} per month, which caused a heavy financial burden on me and my family. I was not able to keep up with the consolidation payment, and my mother ( who is my co-signer ) and I began receiving many harassing phone calls per day from Reliamax. I was also threatened over the phone by Reliamax, I was told that if I could not pay then I would " face consequences ''. In XXXX of XXXX, my mother and I were presented with court summons because we were now being sued by Reliamax. We hired representation, and have attempted to reach a settlement with Reliamax but they have refused to accept any of our offers. 

When I was a student at The XXXX XXXX of XXXX, the difference between a federal and a private student loan was not explained to me. I also never saw any of the payments that XXXX XXXX made to XXXX XXXX XXXX, to my knowledge all of the loan money was sent directly to the school. When I got my federal loans in order, I thought I had everything covered, but I was sorely mistaken. I was never provided with documentation of the loan, I was told by the school that if I did not sign the loan contract, then I could not continue to attend classes. I was not consulted about where the loan was coming from, or what the consequences would be for me if I defaulted. I received no counselling when making this enormous financial decision. I was scared and intimidated because I did not want to risk not completing my degree. I feel that I was strong-armed into taking out a loan that I did not fully understand, bankruptcy is not an option, and now my mother ( my co-signer ) and I are facing huge financial detriment. 

I understand that XXXX XXXX XXXX have faced a class-action lawsuit for predatory lending practices, and I believe I and many other students from XXXX are victims of those practices.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc.
State: NH

Complaint narrative:
ARS National Services somehow obtained my boyfriends name and private cell phone number in an attempt to contact me. I was not with my boyfriend at the time of holding the account ( XXXX ), nor was he ever at any point in time listed on the account. Clearly they used deceptive and unethical means to obtain this information. When I contacted them about it, they assured me that no personal information was shared, however they provided who they were and that they were calling about a private matter. By proxy, this is providing information that it is an attempt to collect a debt as they are a debt collection company.

Company response to consumer: Closed with explanation