vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2018 I checked the account I had with Capitol One Quicksilver Visa credit card and found that I had an overdue account and was being charged {$25.00} passed due fee and my card had been placed on reserve and could not be used. I knew that was an error because I had set up an auto pay account on my checking account and it had been used to pay the balance due for XX/XX/2018. When I called the customer service telephone number listed on my credit card I gave all of my information to the service rep he put me on hold while he checked my account. When he came back on the line he refused to address my over due status and demanded a copy of my drivers license and my social security card because there were issues regarding my credit card. I refused to comply and hung up my phone. I then went on line and immediately paid all of their demands from my checking account which they had access to previously. I feel that I have been cheated out of the over due fee as well as the {$150.00} reward I was promised when I took out the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: NY

Complaint narrative:
I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both Transunion and XXXX There are three new credit inquiries on my credit rating accounts with Transunion and XXXX- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX XXXXXXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 Complete Dept. Stores XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.

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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.

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 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was directed to a forbearances several times through out my loan woth navient increasing the overall interest of the loan and growing the loan total. Also the interest seems to build always even while repaying making it impossible to pay off the actual loan to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
XXXX still showing 2 collections on the credit report and those were charged off about 2 years ago, 1 is NCB Management Service {$4000.00} and the 2nd is not  showing the name or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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:
These 7 accounts ( attached ) were first opened in the XX/XX/1980 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CA

Complaint narrative:
These 7 accounts ( attached ) were first opened in the XX/XX/1980's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I've requested a mortgage modification and submitted financials several times because of being laid off from several employers. My mortgage company Freedom mortgage has been unwilling to work with me and process my modification request. I recently secured full time employment.and I want to keep my home. The state of Tennessee requires the homeowner receive a 30 day notice prior to the property foreclosure sale per the Tennessee law. The letter from the attorney is dated XX/XX/2018 and I received the correspondence XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I had a Student Loan classified under Private Loan with Sallie May back in XX/XX/2004. After my XXXX program ended, I didn't get a job that would allow me to make the monthly payments on the loan. Instead of Sallie Mae to assist me in lowering my payments, I was tricked into forbearance and deferments. After the end of each deferment or forbearance, I would make payments for a few month but it was unsustainable and I would stop making payments and defer once again. 

All along, the loan kept accruing interest and increase. I would be called by their customer service and harassed and threatened. The loan accrued interests and it is now almost {$30000.00}. Now they changed their name to Navient but the loan amount is still increasing till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Clarity Services
State: MI

Complaint narrative:
On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: U.S. BANCORP
State: CO

Complaint narrative:
The CC company refused to explain why/how a payment I made was put on hold.

There were 2 payments made to the CC company one day apart.

The amount of the first payment was higher than the second.

For 15 years I never had a returned payment however on this occasion the company " held '' the first, larger amount, of the two payments.

I challenged their action as I needed to understand why : a. A payment had been put on hold b. Why the first, larger amount, had been selected to put on hold and not in the order received.

The response received simply stated it was within the regulations to do so.

Finally, after months trying to extract an explanation of why/how the action was taken, I was instructed not to make further contact as I would no longer receive any response.

Should a copy of the letter from the CC company be required ; please advise and I will locate, scan and email to an address you provide?

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 2018-08-15 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: NV

Complaint narrative:
equifax has not removedd challenged report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I purchased cosmetics from XXXX by Wells Fargo debit card in XX/XX/2017. And I cancelled the debit card in XX/XX/2017. But I returned cosmetics to XXXX and XXXX refunded money to Wells Fargo my cancelled account on XX/XX/2017. Meanwhile, Wells Fargo confirmed it has received my refund money from XXXX but failed to locate the money. I filed 3 claims to ask wells fargo to give me the refund money back to me. But wells fargo closed my claim by other irrelative excuses. I kept calling wells fargo claim center 5 times after my claim was closed. The claim customer representatives promised me twice to send me the check of refund money but they never put on actions. Last week I called wells fargo claim representative again and was told my money has been transferred back to XXXX in XX/XX/2017 and I should call XXXX. But the fact is the transaction records wells fargo transfer money to XXXX in XX/XX/2017 are my original purchasing cosmetic from XXXX not the ones Wells Fargo return the refund money to XXXX. Wells Fargo doesn't have any evidence to prove it returned money to XXXX but also doesn't want to give my money back to me just solely telling me XXXX has my money.

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 2018-08-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Financial Services, LLC
State: TX

Complaint narrative:
The call that broke my back is today XX/XX/2018at XXXX. 

They have called so many times using several different phone numbers to contact me. I would ask them who is calling. Several times, they refused to give me names or the company they represent. So, I would tell them to put me on the no call list and do not bother me again. However, they ignored the request and continued calling. I happened to be in my family lawyers office on XX/XX/2018 at XXXX XXXX. I gave the phone to my lawyer and asked him to inform them not to contact me. They stated that they removed me from there contact list. However, at XXXX on XX/XX/XXXX, they called again.

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 2018-08-15 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: SELLING SOURCE, LLC
State: MI

Complaint narrative:
On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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:
I have been disputing a charge off account with XXXX  and Experian for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?

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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My house was for sale and the sale fell through 2 days prior. I had already moved and was 2 months behind. I paid my mortgage payment at 4 months past due and Wells Fargo returned it and didn't apply it to my loan. I called prior several times to work with agents on a repayment plan. When the payment was returned I was told it wasn't in foreclosure and began the paperwork for home retention. I also submitted two payments. Both were held and after I returned the paperwork for home retention the bank started the foreclosure process. I had decided to keep my home and move back in but with all of the difficulty with the bank I relisted it and got an offer on my home to close in a month. I've called Wells Fargo several times and advised them of the closing date. Each time they say a new agent is assigned. That person of the day is usually not available so I speak with whoever is. I told them for the 4th time the house is sold. They say they weren't aware. I'm also trying to get a payoff quote and they will not send it. I filed for mediation and have until the end of XX/XX/XXXX to complete that. Wells Fargo is continuing to charge me fees, hold my payments without applying them and refusing to generate a payoff quote. My home is supposed to close in 6 days! I will after this close all of my accounts with them.

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 2018-08-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WILSON & ASSOCIATES, PLLC
State: TN

Complaint narrative:
I received a letter from the foreclosure Attorney Wilson & Associates for a property foreclosure sale on my home XX/XX/2018.

The letter is dated XX/XX/2018 and I received the letter XX/XX/2018.

In my research I found information that pertains to the Tennessee law that states the homeowner is to be given 30 day notice prior to the property foreclosure sale. I've submitted a modification request to XXXX XXXX with financials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. This company fails to remove fraudulent account from my report even after notified that the account is fraudulent. I have never opened this account. Someone else used my identity documents to open this account. I sent this company my dispute letter on XXXX.18 and attached with it Fair trade commission report and police report in regard to identity theft but to my surprise they refused to delete this fraudulent account In accordance with the Fair Credit Reporting Ac : 1.XXXX. AC # XXXX This Account is not mine and is Linked to fraudulent I have enclosed 1.a copy of the dispute I sent to them on XXXX15 2.a Police ID theft report and 3.an FTC ID theft report.

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 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

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 2018-08-15 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: NC

Complaint narrative:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

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 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I did not receive a refund from Sears that I bought in XX/XX/XXXX and returned on XX/XX/2018. When I called them on XX/XX/XXXX after I found out they didn't credit my refund on my sears credit card. They said they will refund to me in 5 to 7 days. Today is XX/XX/XXXX and they still did not refund to me. The company now refuse to refund to me due to the time that is passed over 30 days which was not my fault. I am attaching the copies of letters and receipt.

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 monetary relief