vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 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: BB&T CORPORATION
State: WV

Complaint narrative:
I began disputing the validity of the reporting on XX/XX/2019. I have sent 2 letters directly to the credit bureaus and 1 directly to the lender with no avail. Regional ACC Account number XXXX is being reported as a voluntary surrender. This account was paid in full by me and a free and clear title was issued. I am not sure why the Creditor is informing the bureaus it was surrendered but this is completely inaccurate and I have sent several complaints but the inaccurate information is still being reported. This is damaging my credit and preventing me to qualify for any future auto loans with decent rates because it looks as if I have a reposession when I never had. The least that can be done is to correct the reporting or completely remove this account from my credit profile. You have done enough damage thus far and I feel that would be a fair compromise rather than the {$1000.00} I am entitled to for a FCRA violation. Thank you for your time and Ilook forward to the resolution.

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 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
They are charging {$300.00} for a fee that I don't know what it's for. Also they have called me after I made a payment and my payment was made ( this has happened several times ).  Also they have violated FDCPA by calling me early in the day leaving a message on my voicemail and then they call back again in the same day that they left a message. This happened today and XX/XX/2019. This is not the first time this has happened. They customer service reps are also very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DEALER SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent a payment to pay in full a group loan on XX/XX/XXXX after I got paid. They ( Nelnet ) didn't process it till the next day. The next day ( XX/XX/XXXX ) they charged interest to an already paid off loan group. 

I was on the phone for a total of an 1 hour and 18 minutes. Everyone I spoke to said they couldn't help me and NEVER sent me through to a supervisor. I spoke to 4 different people for each one I asked repeatedly to be sent to a supervisor. They would just put me on hold until someone else that worked with them picked up the phone ( that wasn't a supervisor ). The information that I could get out of all 4 was I made the payment to late in the day on the XX/XX/XXXX. One person said when I send in a payment it needed to paid before XXXX, another said I needed to pay before XXXX. This DOES not help out the working class at all! Most people get paid on the last day of the month and then they go home after work and begin taking care of financial things. There was one common thing all 4 said and that was there was nothing they could do for me. The entire situation is wrong. Someone SHOULD be able to help me with this situation, the workers at Nelnet SHOULD have transferred me to a supervisor, and this entire situation of charging a person interest after they paid off a loan is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a 2nd mortgage with Chase that was for {$25000.00}. The mortgage was opened in XX/XX/XXXX. I have made regular payments of approx. {$250.00}. every month for 15 years. They recently sent a statement saying in XX/XX/XXXX, the mortgage will have matured and I need to pay the balance of {$21000.00}. How can this be possible? I have paid them a little over {$45000.00} already. I am confused to where did all this money go to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PHL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: CA

Complaint narrative:
On or around XX/XX/2019 I began corresponding with Equifax. I requested that Equifax send me verification of the alleged original signed consumer contract between myself and the creditor with my signature on it. I have sent three requests and they have failed to produce the contract that I requested. 

I noticed that they are receiving the request and then completing dispute the same day or a few days later, which means they are not making any effort to obtain the information. 

Equifax has stated that they have verified the accounts, but I did not ask them to verify the account. I asked them to provide me a copy of the original signed consumer contract between myself and the creditor. 

Per the FCRA Section 609, the credit reporting agencies are supposed to send me a copy of the original contract that I supposedly signed, which they are supposed to have by law. 

If Equifax can not provide the contract then they are not legally verifying my account. If the account is not legally verified by completing my request for a copy of the original contract then under Federal Law any unverified account must be deleted. They are responding by stating my accounts are verified, but I am disputing their right to report the account.

Equifax is breaking Federal Law and have not provided the contract that I have requested on three different occasions and are not making any effort to do so which is willful and malicious non-compliance. I can provide paperwork to substantiate my claim. 

I have also asked Equifax to investigate fraudulent inquiries on my credit report, but they have responded to state that they do not investigate inquiries, which is inaccurate. They are ignoring my request altogether. 

I will most likely file suit as I have had to do in the past, but I wanted to first explore the option of seeking your assistance first before moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Credit card/ Victoria Secrets credit card They are advertising open a Victoria secrets card and they will give you {$25.00} off your first purchase if you open an use it online. I opened the card XX/XX/2019 they have not fulfilled the offer at all. It states you must have a valid email address an the code will be emailed to you. I have not received the promotion at all, I have called Comenity directly only to be switch to different csr an it ended with call back, I have emailed three times only to receive a form letter response. I have screen shot my approval, the screen shot of the promotion if you will apply an are approved showing the limited time offer. Still nothing, this to me was pretty straight forward bait an switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 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: Fay Servicing, LLC
State: CA

Complaint narrative:
I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX Fay Serving LLC acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. Fay Servicing LLC reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email from Bank of America regarding alleged debt but I didn't receive nothing via mail nor right to dispute the alleged debt. The email never stated that I had the right to dispute the alleged except to collect debt. 

I know my consumer rights which my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX advised me of.

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 2019-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/2019 I closed my account in that bank. ( Acc # XXXX, routing XXXX ). Worker assured me that the account closed and can not be reopened. ( I have those papers ). But today XX/XX/2019 I received the letter states that I owed {$15.00} to HSBC bank as " overdraft ''. I logged to my account online and find out that the bank did not close my account and tried to make money on me by charging " monthly fees '' ( {$30.00} by today 's date ). Please protect me from bank fraud and order them to close my account as I did at XX/XX/2019 visiting branch at XXXX XXXX XXXX, XXXX XXXX, XXXX in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
I periodically have to have my university file paperwork with Fedloan servicing to prove Im taking graduate courses and am eligible for loans deferment. While I understand they need proof, in the time it takes them to process the request, my loans accrue interest that I have to pay and they dont reverse it, even if they were informed of my classes starting at an earlier date. Most recently, however, after my school filed the paperwork, they placed my subsidized loans into forbearance when they should be in deferment. Theyre illegally charging me interest on my loans. Their customer service and response times are HORRIBLE. I feel helpless when dealing with them and they know theres nothing I can do about it. Its easier to just pay the interest but its infuriating to know they get away with this. I can only imagine how much they profit off of illegally collecting interest when individuals like me are eligible to not pay interest. They really need to be investigated and held accountable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Payment history isnt included. They stated this debt was just opened back in XX/XX/XXXX but this debt was over 5 years old and on credit report it has only amount and doesnt have payment history or what kind or last payment which was XX/XX/XXXX or XX/XX/XXXX. Disputed with XX/XX/XXXX and they said it's all correct but ita srill.missing slot and now has resulted my family and I live in a hotel because they put this is new when in fact its old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX  XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX XXXX XXXX XXXX acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. XXXX XXXX XXXX reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.

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 2019-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/19 that I was in default on my loan. I was shocked because I pay my mortgage monthly through my bank. I don't receive statements and had been having trouble logging into my account online, so I called. 
Apparently, with no notice, they increased my payment and have never to this day sent me a statement. They say I can't have online access to my account because I filed for bankruptcy over 8 years ago. What? 
So I told them the only thing I received was the letter. Now it is XX/XX/XXXX, and still have not received a statement. And they are still denying me access to my account online. 
Their phone service does not have automated account information. I am not allowed to make personal calls while I am at work and by the time I get off, they are closed because they are in Illinois. 
What does having online access have to do with bankruptcy? I just want to stay current on my account and make sure I know when the payment changes. Why did they wait so long to contact me? 
This is not the company I started with. They took over my lone from XXXX last year. And when that first happened, I was able to log in online. Then eventually I was denied access with no notification. I emailed customer support several times and THEY NEVER responded. How is denying me online access because of a bankruptcy a thing? It's a tool to make sure I know what's going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Courtesy Finance LLC
State: TN

Complaint narrative:
I signed for loan insurance with a XXXX dollar loan on my XXXX  title in XXXX, borrowed from Courtesy Finance in XXXX  TN. I then became permanently XXXX later in XXXX, after XXXX percent of loan was payed. My co-borrower and live in girl friend defaulted taking the XXXX  and moving out, I then informed courtesy I needed them to apply the coverage I had signed for when I took out loan. They kept pressuring me for the loan payment, so I told them about my XXXX  and long term XXXX payments from XXXX XXXX while on the call with the manager. I waited for awhile to hear back from them, assuming they started the process and paid off the loan. Fast forward to this week, I checked my credit agency on XX/XX/XXXX and the loan was written of as bad dept, not paid off from insurance. They chose not to report to XXXX for 2 years after the write off. This is how I found out the insurance wasn't applied. I called the new manager on XX/XX/XXXX, she claimed I did not have coverage, and her records were a mess from the previous manager. I asked her to look at my actual file, when she looked she saw the sheets from the XXXX coverage, and then she said I'm sorry it looks like we went over the coverage and you signed it, but we never sent the papers in, sorry again we XXXX up. The original manager was very unprofessional, she was hurrying to finish our loan because it was close to closing time and her help had left.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo on XX/XX/2019 to inquire about the product that I received from them. I was approved for a charge card ( {$2700.00} in credit ) that was useable for two merchants : XXXX XXXX and XXXX by XXXX. When I spoke to a CSR, I was informed that I couldnt use the card for the other merchant, but strictly XXXX XXXX. I was also informed that I couldnt change the product neither transfer/reallocate my credit line because it was a charge card, so I requested them to close the account. Though my account was in good standing and never used, closing my account with Wells Fargo impacted my credit score. I was highly disappointed and dissatisfied with their service. Why would the lender issue me a product that had both retail brands printed on the card itself? Thats false advertisement! Both companies are affiliated and issued by the same bank. I filed a dispute ( same date ) with the credit bureau to inform them in advance that Wells Fargo closed the account by my request. Less than 30 days, I saw remarks on my account that stated consumer disagrees when all I did was close the account due to false advertisement.

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