vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I contacted capital 1 bank by phone to acquire about my direct deposit not being seen in my checking account I have with them its when I was informed that my account was negative for XXXX for 30 days so they closed my account and my direct deposit in the amount of XXXX was received but wouldnt be available due to the bank removing what I owed already and a check with remain balance will be sent out. On XX/XX/XXXX I called again they assured me that it was mailed out and I should receive in the mail. On XX/XX/XXXX I called again to inform that I never received it so they tracked it showing never cashed then said Id receive another on XX/XX/XXXX I called again to ask what happened I never received my check they then said a affidavit would be mailed so I can sign them send back before reissue for another check but I still never received a affidavit or a check. Its now almost XXXX and they still never sent anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX FORD IN XXXX GA AND FORD MOTOR CREDIT THE SAME DAY, I IMMEDIATELY CALLED THE FORD DEALER IN XXXX GA ( XXXX  FORD ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX FORD REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT XXXX IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO FORD CREDIT SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM FORD CREDIT WAS PLACED ON MY PERSONAL CREDIT FILE BY FORD SAYING I BORROWED XXXX FROM THEM, I CONTACTED FORD CREDIT FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT FORD SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS FORD TOO. I CONTACTED XXXX  FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS FORD ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND FORD WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM FORD CREDIT SHOWING UP ONLY ON MY XXXX  FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE FTC AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT XXXX IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST XXXX  DATA AND FORD CREDIT. XXXX TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. FORD CREDIT WILL NOT SHOW ME ANY DOCUMENTS NOR XXXX DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST XXXX IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY XXXX CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH FORD CREDIT, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR FORD CREDIT IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. XXXX DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over the weekend I tried to pay the loan off but couldn't. I had to call in order to process the payoff which resulted in additional interest accruing. The person I spoke with confirmed they do not offer any option to pay the loan off online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I received a letter from Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX , TX , about late fees on my account total {$250.00}. Mr. Cooper do not have a problem withdrawing my mortgage from my bank account every month on time since XXXX, XXXX, now the company is complaining of late fee I need to pay. I am confuse how this company like to complain about late fees when they are receiving the mortgage payment every month on time. I do not trust Mr. Cooper. 

I work everyday, I pay my mortgage on time every month, and I am near retirement, I need no one complaining about late fees put on me to pay, I'm stuck with this company for some years. I wish the company be investigated taking advantage of the consumers. 

Mr. Cooper have no problem receiving my mortgage during XX/XX/XXXX, in XXXX the company start complaining about late fees also, withdraw mortgage from my account on time, in XXXX complaining again about late fees and did withdraws from my account for mortgage on time. My payment are put into the system every two weeks on time and the mortgage company receive on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
On XX/XX/XXXX my bank ran my credit report and I showed a {$490.00} collection owed to Wakefield Collections Company. I contacted them and they stated I owed {$490.00} to an ER physician ( XXXX XXXX ) for an ER visit for my son on XX/XX/XXXX. 

I told them I pay my bills so if I received a bill I would have paid it and most every year by XXXX my deductible has been met so my insurance would have paid it or at least 85 % of it. 

I contacted my insurance company and they stated the Doctor never submitted this claim to them and 6 years later it is too late for them to pay it. 

I contacted Wakefield and let them know my insurance would no longer pay it because it is too late. Wakefield stated they did not care and it is my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My mortgage has went up almost {$250.00} over 3-4 months. 
My property taxes has decreased due to a {$50000.00} exemption but my payments are still going up every 2 months. They have A, B options That are being offered to me which I've never heard of. I've never authorized/chosen any of them but they add them anyway. Its increasing my mortgage payment from {$1500.00} in XXXX to {$1700.00} XXXX. They're excuse is " my escrow acct '' and taxes increasing..However my taxes has decrease. I'm not getting anywhere with these ppl.. My mortgage is becoming unaffordable due to their compounding. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I refinanced my home in XXXX of 2018. At the time of closing, my homeowner 's insurance was paid to the insurer listed on my closing documents. This policy was paid in full at closing for the calendar year. In XXXX of 2018, my old insurer, XXXX XXXX XXXX sent a bill to Wells Fargo indicating that my insurance had lapsed and they needed payment. Well this was due to the fact that I changed insurance during my refinance. Wells Fargo decided to pay over {$3500.00} total to XXXX XXXX XXXX out of my escrow account. It should have been researched to determine that I already had insurance paid for at closing, but rather they just sent more funds out of my escrow account. Now Wells Fargo is telling me that I am not due a refund of these additional funds they paid out of my account. This is incorrect. My insurance was paid at closing and the error was made by Wells Fargo. They have now told me to try to go after XXXX myself to obtain a refund. Why would I do that when it was not my mistake that caused this? Why would XXXX XXXX have any reason to refund me when it was a policy that has been in place incorrectly due to Wells Fargo 's mistake. I am asking that this be resolved immediately by refunding the additional insurance funds that were taken out of my account incorrectly. If need be, I can have my lawyer pursue this as well.

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 2019-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In a review of my credit report, I am showing 30-days late on my account ending in XXXX. I explained to the representative that I am requesting this information to be corrected as I did not receive the billing statement. I was on e-billing at the time. I suspect that the email ended up in my spam folder. I so infrequently use this account that I would not be expecting it the statement as part of my normal bills. I have a long-standing relationship with you. If you review my account, you will see that this issue is quite unusual and does not reflect the character by which my account has been handled over 10+ years. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/2019 several automated withdrawals were taken from an unauthorized company in XXXX, XXXX. from my checking account. As well as a second company called XXXX. 
XXXX amount was {$1900.00}. XXXX had 4 transactions totaling {$36.00}. All transactions were still pending when I discovered them and immediately went to the bank to file a fraud dispute and to the police department to file a police report. 
Dispute numbers with TCF Bank : XXXX XXXX XXXX Michigan police department case reference number XXXX The bank did not flag my account or these two companies for further fraudulent activity and advised me against closing the account as I still had a handful of outstanding checks to be cleared and they said they would not reversed fees or honor payment through a secondary savings account. I was also told this dispute would be resolved within 3 to 5 business days. 

On Friday XX/XX/XXXX, I received two letters from the bank asking for more information. Really the letters just asked for the same information I had already filed and needed to be returned to their dispute center. I immediately responded via email with both documents and screenshots of the account activity. 

I also returned to my local bank to close both of my savings accounts as well as the checking account in question and was told again not to completely close out the checking account until the dispute was closed or they would not be able to refund my money. 

On Monday XX/XX/XXXX another attempt from XXXX to withdraw {$1500.00} was made. The bank had not flagged this or the company and luckily I found it while still in pending status. after 30 minutes on the phone trying to get to a supervisor at TCF Bank headquarters I was able to have those charges reversed and my account frozen. 

I've now been told that this dispute will still be worked on for up to another 5 business days before they will then send me a letter with their determination VIA u.s. mail and that latter will let me know how long it will take for them to refund my money. 

As a 25-year customer of TCF Bank, I am appalled that there has been no attempt at assisting me in alleviating further fraudulent activity but I have instead been treated as the guilty party and threatened with late fees and charges due to this illegal activity. I have also been refused access to talk with anyone in their fraud department on numerous occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I paid off Wakefield and Associates in XXXX. They have not reported my payment to the credit bureaus. I called them and they said they will at the beginning of XXXX. They still have not reported the full payment of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
I am trying desperately to sell my home in a short sale. I am under water as a result of the XXXX crash and I have never been able to regain the value of my home. I have a buyer who is anxious to close. I have a letter from Specialized Loan Servicing stating my application was complete as of XX/XX/XXXX. XXXX XXXX ( the first mortgage ) has given their approval. Specialized Loan Servicing ( the second mortgage ) continues to drag their feet. Every time I call I get the runaround. I have provided them with every requested document in a timely manner. They are well beyond any reasonable period to provide a response. They " escalated '' my complaint on XX/XX/XXXX. I later learned they don't escalate anything. You just have to wait. I have a buyer with good funds who is ready willing and able to close. There is no reasonable excuse for this delay.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I attempted to place a security freeze with all major credit bureaus. This was due to a vehicle theft and potential loss of sensitive information. 

I was able to successfully freeze my credit with XXXX and XXXX. Equifax on the other hand is telling me they either were unable to verify my information, or their system is down. I am not even able to call and speak with them as their system blocks me from speaking to anyone. 

I can understand trying to protect data. I am not requesting any information though. I am requesting they freeze my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CO

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 NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, 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 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Called For A Reconveyance statements and tax statements, Phone calls go Nowhere they say no account in system? 
Prior Phone Number goes from OCWEN to PHH Mortgage. 
When I call for reconveyance Department they say it no longer accepts calls? 
Goes back into regular phone system. 
No Customer service or account availability to resolve issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. On today, XX/XX/2019 I visited the XXXX XXXX XXXX branch for assistance. 

2. I sat on the couches for several minutes without being greeted or acknowledged. 

3. I asked a teller whether anybody would come to see about me. The teller said to sit on the couch and " any of us can assist you. '' 4. After twenty minutes, XXXX p.m. to XXXX XXXX., I still have received no assistance or even been greeted or acknowledged. 

5. There is a representative sitting in his office doing nothing. 

6. I placed several calls to the branch while in the branch and no one is answering the phone. 

7. BOA branches are understaffed. BOA collects monthly maintenance fees from customers, but does not spend adequate money in labor to provide the most basic customer service. 

8. This is consistent with other experiences I have had at other BOA branches.

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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
On or around XXXX I opened a XXXX Phone account on or around in XXXX I closed the account the contracts are only 2 yrs long then month to month after Jefferson Capital is reporting on my credit report that I opened an account in XXXX and that the account is open This negative remark is negativity impacting my credit I have communicated multiple times throughout several years with Jefferson Capital that this is not true by phone XXXX They also report an amount of {$670.00} on my credit Then in a letter report the amount {$330.00} would satisfy my debt This company does not have the ability to show any of the information they are reporting This company has created irreparable harm to my credit impacting my ability to obtain employment and housing. 
By intentionally reporting new open accounts with high balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been a victim of identity theft and as a result DISCOVER has opened a fraud account under my information which was never done by me and now they are trying to hold me reliable for this fraud account. I have a police report for identity theft and have sent it to them and the credit bureaus and they refuse to take it off when by law they have to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to NationsStar/Mr. Cooper on XX/XX/XXXX and when they sold it NationsStAR/Mr. Cooper booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and NationsStar show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX agreed to settle debt for {$550.00} it was paid in full they said pendrick pick the debt up which was settled and still reported it as if i owed r them a some of something

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: IL

Complaint narrative:
Experian is reporting fraudulent collections on my credit report that I did not authorize or have any knowldege of. They are also reporting addresses that does not belong to me. I work in finance and up for a promotion. Part of the promotion criteria is having a good credit score. The reporting of these fraudulent medical collection bills will hinder my elgibility!

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