vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened my account in the latter part of XXXX. I was never late on my account. I was contacted by Capital One in XXXX of XXXX and was told that my account was labeled as a fraudulent account. I had never been late and I never complained about any unauthorized purchases, so I was clueless as to why my account was deemed fraudulent. The account was deleted from my report. Capital One later put it back on my report and they then gave me a different account number. I called Capital One back in XXXX and they told me that they would be sending me a new statement. I received the statement at the beginning of XX/XX/XXXX and paid the account completely off on XX/XX/XXXX. They would not accept my online payments due to the account being labeled as fraudulent. I was never late on this account. Capital One stated that this account was labeled as fraud by XXXX  and that they had to do what the bureau said to do. I need my account to show never been late or I will definitely be getting legal representation. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX On XX/XX/2020 I had a transaction on my debit card for XXXX from XXXX XXXX . I tried calling XXXX XXXX that couldnt give me any information because I did not have a ticket number or confirmation number. I notified the Regions back filed a claim. On XXXX the XXXX I received a response stating transaction verified with your card credentials. No report of card loss, theft or compromise. 
When I initially tried to contact XXXX XXXX they couldnt give me any info because I didnt have a ticket number, but it was provided on the response from Regions. I contacted XXXX XXXX they said the ticket was purchased by a XXXX XXXX I have no idea who this is. I call Regions to reopen the claim customer service was very nonchalant. I have never filed a claim I dont deal in fraud. When I ask the rep from Regions how do you know the transaction was verified with all my credentials she responded I dont know how XXXX XXXX  work, but you telling me the transaction was verified. For me XXXX is a lot of money an I can not afford to just accept this.

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
Consumer complaint received 2020-03-27 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a Wells Fargo VISA credit card. At the beginning of XXXX I had a balance of approximately XXXX of debit associated with the card. Since the beginning of XXXX, I have enclosed supporting documentation to show the following transactions have taken place. Please take note that my documentation supports a due date of the XXXX each and every month. 
XXXX minimum payment due of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX, I received notification that a payment of XXXX was due by XXXX, I honestly believe that my payment of XXXX made on XXXX should have been applied to my XXXX payment due and no payment was needed until XXXX. 
On XXXX I contacted Wells Fargo customer service, my call was answered by an employee named XXXX. She would not give me an employee number or any additional information to identify herself other than her name. XXXX told me that I was receiving a notice for payment due because the payment of XXXX made on XXXX was still pending even though my statement clearly shows the payment was accepted and applied. I get angry when I am lied to, XXXX put me on hold and my call was then transferred to another team member named XXXX. XXXX tried telling me that I would have needed to wait an additional day before making the payment and having it applied to XXXX due date, why Im not sure, it doesnt make any sense to me at all. I wish to file a complaint against Wells Fargo and their banking practices. Isnt a due date a legal binding contract? 

Sincerely, 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 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NJ

Complaint narrative:
tis is a medical debt fro a er emergency room XXXX originally the original collection agency debt recovery solutions XXXX and now this XX/XX/XXXX they sold it to XXXX XXXX   XXXX  and repoirted this debt as new both collections agency are showing on my XXXX XXXX and XXXX  i disputed this 6 times with no resukts please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/2020. I received a debt collection notice from Hunter/Warfield Corp., ( XXXX XXXX XXXX XXXX, XXXX, Fl XXXX ), a collection agency, on behalf of XXXX XXXX XXXX, XXXX Evidently, ( from Web search ) this is a property management company in XXXX , NC , demanding payment of {$1700.00}. 
I sent a letter ( XX/XX/2020 ), to Hunter Warfield indicating that this was most likely a fraud using my name and address. I asked for validating information : date and location of debt, copy of original transaction, and method of verification used by XXXX XXXX to verify the person 's identity, and other information validating this transaction. 
On XX/XX/XXXX, I received a letter from Hunter Warfield dated  XX/XX/2020 acknowledging receipt my letter, not complying with any of my validation requests. Instead, Hunter Warfield asked me for personal identification and any " supporting evidence of my claim of fraud. '' I have not complied with their request. 
This activity does not appear on my credit since I regularly keep all my reports frozen with all three reporting agencies. 
Last, and most important, I have never done any business, or had any business contact with either of the aforementioned companies until Hunter Warfield 's letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
So I received a trial modification in XXXX first payment was due in XX/XX/XXXX i sent that payment in the middle of XXXX for XXXX the required amount is XXXX but as i wire the money in it is easier to round up on XX/XX/XXXX or there about I thought I would get ahead by paying an extra XXXX dollars so I could then pay the reminder end of XXXX for XXXX payments well this is where it went wrong no they won't let me use the money there I have to pay the full XXXX which shorted my truck payment as I had budgeted the payment to be XXXX dollars less I sent in the XXXX and they said that I could use the XXXX on the next payment when I went to pay I found out guess what they lied again no we will use that money to go to the back payment owed when we do the final payment of the trial due XX/XX/XXXX which I sent in via XXXX XXXX due to the covid19 and the local bank unable to do a wire via the drive up and a few other complications wire sent XX/XX/2020 this time for the exact amount. This is XXXX  it is my money how I use it is up to 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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, XXXX, & Experian but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can 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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
A purchase was made with my card for the XXXX  XXXX XXXX. The purchase was refunded from them on XX/XX/2020 due to me canceling. On XX/XX/XXXX I see on my transaction history that the credit has been applied but American Express is holding the funds. Upon talking to 3 agents one agent XXXX emp Id : XXXX actually refers me to the legal terms and conditions # 4 Section F. Which that section refers to pre-authorization holds and processing delays. She kept referring to merchant holds, which has nothing to do with refunds and placing a hold on the refunded funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: MS

Complaint narrative:
I have been paying on my student loans since XXXX. I have contacted Navient multiple times regarding loan forgiveness as I have been paying on them so long. My most recent attempt was on XX/XX/XXXX. I have been told repeatedly that loan forgiveness is not an option. I have also asked if they would take a reduced amount and forgive the balance. I was told that Navient does not engage in this practice. I owe {$5500.00}. In my estimation, Navient has made enough interest on my loans to repay the total amount several times over. I have never been late in paying or missed any payments. Can you help? Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: UT

Complaint narrative:
Receivables Performance is reporting a debt on my credit file that I did not know I had. I just checked my credit report & found out about this debt. As soon as I found out I called them right away to learn that it was a debt from XXXX  XXXX. I have not had an account with XXXX  XXXX  for years & didn't know I had a debt with them. I did not receive any phone calls, emails, letters, notifications, nothing! as they claim. I feel like they are in violation of my 30 day right to dispute and I demand they remove this collection off my credit report. I have settled the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XXXX I contacted Credence Resource regarding an account they were attempting to collect on. In term they sent a letter saying they were ceasing collection activity and thus removed the account from my credit file. On XXXX I got a notification that a new collection had been added to my XXXX   credit report. After logging in I saw that Credence has reported the same account that was once deleted but with a new account number making it look like I this was a new and recent collection account. I then checked my XXXX  report and noticed they had reported the new account on there also. I have never received proper validation for the account they were trying to collect on. Their reporting caused a huge drop in my credit score because apparently they re-aged the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : EXPERIAN AND XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I called HSBC bank to do a balance transfer from XXXX XXXX  in the amount of {$4100.00} HSBC bank systems took over after I already spoke with the HSBC agent that helped me do the balance transfer over the phone and sent {$850.00} to the wrong account agent said it was a system error on HSBC part it went to the wrong account then the system took over again and did a {$3300.00} transfer to XXXX XXXX. Still today I did not authorize a {$3300.00} transfer I authorized {$4100.00} transfer this has been going over for a month now trying to get this fixed I spoke with head supervisor no credit card department mr. XXXX as he promised he would fix this situation immediately every time I call he is unavailable and it is still unresolved and it is a fraudulent transfer that has not been authorized for {$3300.00} only for {$4100.00} has been authorized I need help to resolve this as I am getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I asked CITI in XXXX to stop automatic payments and they accessed my account 4 times after. I called again to warn them to quit committing fraud on my account and they said they would stop and reverse fees. I still have received no payment for unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I received and email on XX/XX/20 stating that they were changing my payment amount from {$290.00} to {$50.00}. I would have had this loan paid off in XX/XX/2020. But with their change i would have been on the hook to them for the next three years. I tried to go on their website to change the payment back and there is no place to change your payment. I then called and they told me that because my loan was consolidated that i was liable to them for so many months and that's why they changed it. They said that i had overpaid somewhere along the way. Not sure how that was possible because, i had been told several times over the years when i wanted to make additional payments that i could not. She said that she would put in a ticket, but they probably would not approve to switch the payments back to the regular amount. I need to see how my payments have been applied over the years with the running balance. Their website does not offer that. I need to see the running balance showing the principle / interest amount and the balance after each payment from the beginning of the consolidation. Yesterday XX/XX/20 i did a payoff so now my balance is XXXX. I wonder if they are going to allow that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
By statement dated XX/XX/XXXX, XXXX XXXX ( " XXXX  '' ) together with PHH Mortgage Services ( " PHH '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by Litton Loan pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : F-34006-09 on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. 

By statement dated XX/XX/XXXX, XXXX and PHH are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : F-034006-09 ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. 

Despite my repeated notices forwarded to XXXX and PHH over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by XXXX, PHH, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on  XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. 

The actions by XXXX, PHH, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  AND EQUIFAX XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments

Company response to consumer: Closed with explanation