vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was a student of XXXX College of XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma  or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX  diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Opened my account in XXXX, CA XX/XX/2019. Agent XXXX has been tampering with my personal information, without my consent ever since the opening of my account. She has repeatedly altered my address without consent or direction. US Bank has failed to act on this concerning matter. On XX/XX/XXXX, I spoke with supervisor XXXX who promised to open a " sensitive issue ticket '' and once again, this was another bogus, empty promise from US Bank. Nobody has followed up with me regarding steps being taken to secure my account, nor offered any resolution. My personal account information is still being altered and tampered with by XXXX. US Bank has failed to respond, in any fashion, nor take my concerning security issues seriously. I've been lied to now by multiple supervisors about the continued security breach, not one of them has done their jobs to protect me, my privacy or personal information. My great security concerns have been completely ignored.

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 2019-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. 

Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. 

Thank you for any help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are XXXX XXXX XXXX I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports

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 2019-02-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I Checked my report and noticed Barclays account still reporting. I paid this balance and negotiated a deletion which was agreed upon. However years later, this account is still reporting negatively. I dont appreciate being lied to because this is grounds for a law suit

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 2019-02-16 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: IN

Complaint narrative:
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 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: IN

Complaint narrative:
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports

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 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Account Services Group, LLC.
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I open a new bank account with Bank of America, on XX/XX/2019, at that point in time I deposited my check from my employer that is issued by XXXX. The funds were on hold for 7 days, it caused a lot of moneraty issues. I am currently undergoing a separation and I have no other income than my job. I had no money for a week. On XX/XX/19 the funds were released. I had to borrow money from my parents and sister to survive that week. I still owe them money. I got paid again on XX/XX/19, I proceed to deposit my check and went about my life. Then I realize that Bank of America put another hold on my account for 6 days, my funds wont be available until XX/XX/19 meanwhile I do not have money for Diapers for my baby, money for food, I have bills that are urgently past due. I called BOA to get them to release the funds and they told me to avoid this problem in the future to cash the check, but that they could do nothing. I spoke to two other people a manager and supervisor and they told me that they could not nothing. The supervisor stated that I should have just cashed the check as well that the hold was not going to be taken off, and said that I could ask for funds and overdraft the account, I told them that if I did this BOA was just going to charge me fees to this the supervisor just said that they would but that I could get money this way. I was then transferred to a manager who stated that they could do nothing and that I just borrow money from family and that they could do nothing. I told her that if I went and cashed the check and got my money how long would it take BOA to get their money then? She could not respond to this question. All she said was that my check would have not been cashed and that I was just going to have to wait. I am writing this because I literally have no money, for a week with XXXX young kids that depend on me and I have no funds. I think its unfair that BOA is holding my check issued from XXXX who is the payroll company for the small law firm I work for. A check that was issued last time as well from XXXX  the first time I deposited. I cant borrow money from family because I owe them so much money already. Then you have people that work for the bank pretty much giving you contradicting information saying to cash a check then saying I would have never been given any money. Please look into these practices. I might be a small fish, but if they are doing this to me how many more customers are, they not XXXX  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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CORELOGIC INC
State: CA

Complaint narrative:
XX/XX/XXXX it was reported in my credit report I dont have any services wth this company I called they said I have to call else where because they couldnt help me since I wasnt in there system.

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 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XX/XX/XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, XXXX, Equifax and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In 2013 I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, Experian, XXXX and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any 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 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I mistakenly made a double payment of {$3000.00} to Capital One on XX/XX/19. Called Capital One on XX/XX/19 to verify the double payment and asked for a refund. 
After a long a difficult conversation with Capital One representatives I was informed that a refund or credit would processed in 7 to ten days. On XX/XX/19 I called again to ask where the refund was. Talked to representative XXXX ( ID # XXXX ) and was informed that the Capital One representatives from XX/XX/19 made a mistake and that no action for a refund was processed on XX/XX/19. Was informed by XXXX that it is possible that an additional 6 weeks would be required before a refund could be processed. 
Capital One has been unresponsive in any efforts to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
3 Credit Bureaus have not been updating the correct information on my XXXX XXXX Account. 
Letter attach as proof no balance.

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 2019-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a VISA CREDIT CARD with Wells Fargo. I noticed in XX/XX/XXXX I was being charged Interest on Cash Advance. I emailed Wells Fargo about this. I informed them that I have never done a cash advance or do I have a pin number for that card. This card has never been in a ATM. Wells Fargo stated that the cash advanced fees were on purchases. When I went on line to print my transactions for XX/XX/XXXX I could only find two ( 2 ) all other information is gone. 

XX/XX/XXXX amount {$23.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance

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 2019-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
An outside source hacked my Wells Fargo business account and made two withdrawals as payroll deductions -- {$2000.00} & {$5000.00} -- one day apart. When I realized what had happened, I contacted the fraud department of the bank, explained that I hadn't made these withdrawals -- I'm only a one person company and don't have a payroll process in place ; I make a distribution from my company when I need it.

Within a day or so, the {$2000.00} withdrawal was returned -- the last withdrawal -- and when a week passed and I didn't see the return of the {$5000.00}, I followed up with the bank 's fraud department. I was informed that even though they were able to retrieve the last withdrawal they didn't pursue attempting to retrieve the initial {$5000.00} because I didn't inform them within a 24 hour period after the withdrawal that this has transpired. I was stunned to hear this since they realized this was fraud, knew the source of the funds, that they didn't pursue because this transaction was outside of the 24 hour period. Some additional information -- Wells Fargo 's entire system was down for a number of days when these transactions occurred, and this information wasn't even available to me until Sunday -- the day I filed the claim. 

I subsequently filed a report with the XXXX XXXX XXXX police of this fraud and how the bank responded to this. The officer taking the information was as confused as I why if the bank knew where the money was and that this was obviously a fraudulent transaction, that would not pursue getting the money back because it fell outside of their 24 hour policy. 

I was informed by the fraud department that they would record my disagreement with their resolution and respond within 120 days. I am semi-retired ( XXXX ) and have a very small XXXX company and {$5000.00} is a great deal of money to me. Suffice it to say that while I don't expect to hear back from them, that I wanted to record their actions to the appropriate organization for further 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 2019-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
I'm not understanding this charge for 2014. I dont owe anything and I do not accept this company having put my name on the collection

Company response to consumer: Closed with explanation