vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am requesting the credit card company provide all audio tapes from XX/XX/XXXXthrough XX/XX/XXXXto show I tried to cancel the card in XX/XX/XXXX, I took my ex off the card in XX/XX/XXXX. This information was confirmed to me in phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I made a call to Navient on Monday XX/XX/2020 at XXXX in regards to my student loan. When I spoke to the representative she looked over my account and we proceeded to do the forbearance. She asked me what day I would like to setup the payment. And no point in time during that conversation that she stayed if the payment was after the eighth that it would be late reporting. On XX/XX/XXXX, I spoke to another customer service representative from Navient. He stated that that particular representative did not give me complete information and should have disclose that my due date was the eighth and that if the payment was after that particular day it would have been reported as late. He also submitted a complaint to the supervisor due to the previous representative failure to disclose complete and accurate information. As a result my payment was reported as late which has stopped me from purchasing a home and jeopardized my background check as a federal employee. 


I also made the payment on the 23rd and was told that it went through third and still received an email stating I had a payment due on XX/XX/XXXX. And at the bottom of the email it states that 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. I would hope that the forbearance will be processed in a timely manner, so that I do not have another late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
I was having difficulty in making the additional payment of taxes and insurance included in my mortgage payment. I called my loan servicer multiple times and indicated my troubles and that I could make the principal and interest portion of my payment in which I did, however the servicer did not apply the payments accordingly which resulted in late payments and resulted in these late payments being reported to the 3 credit bureaus. I was also in the middle of selling my home which I had indicated numerous times as well. I ended up selling my home and paying off the loan in full. My most recent call to the servicer was to request documentation to file a dispute with the 3 credit bureaus and to see if there were any remaining funds that are to be refunded to me. The representative indicated that there is XXXX remaining in my escrow account, he indicated they have to hold the funds for 90 days as that is their policy. I asked the representative to send me their policy in writing, however he said that they don't have it in writing and indicated that the county in which my home that I sold was located is their policy as well ... .which is not true. I want to file a complaint against Specialized Loan Servicing, LLC as to the  way they handled my account and would like to know if legally they can hold my funds after a loan has been paid in full.

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 2020-01-24 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: MS

Complaint narrative:
Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. Transunion  & XXXX  still have not taken any action. 
XXXX  removed derogatory mark.

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 2020-01-24 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: MS

Complaint narrative:
Made several calls to creditor as well as credit bureaus. made dispute with credit reporting agencies including sending letters.agencies are very beligerint and refuse to take action. this is not my account. XXXX  & Experian still have not taken any action. 
XXXX  removed derogatory mark.

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 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX form XXXX XXXX XXXX XXXX they are collecting a debt on behalf Citibank NA. The letter is in Spanish but is a settlement offer to resolve a my debt with Citibank. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from Citibank. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like Citibank is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called Citibank to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.

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 2020-01-24 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: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I open an account on Sunday in Bank of America, after approved, I added my direct deposit, they closed the account without saying or sending me an email, calling me, nothing. My direct deposit went through and they refuse to give it back until 10 business days.

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 2020-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I was approved for a repayment plan in XX/XX/XXXX. I became unemployed after the repayment plan was approved and was instructed by a supervisor to write a letter stating that I would like to be considered for the unemployment plan instead of the repayment plan. The supervisor never told me that if I wrote that letter for unemployment that the repayment plan would no longer exist for me. I was denied for the unemployment plan due to me not living in my home which the supervisor did not explain to me either. You have to live in the home to qualify for certain programs with this mortgage company. I spoke with a supervisor on XX/XX/XXXX and her name is XXXX - ID # XXXX. She told me that she was going to send a note to the underwriters to add the repayment plan back to my account. I called the mortgage company on XX/XX/XXXX to follow up and make sure that the repayment plan was back on my account. The repayment plan was added back on that afternoon and I spoke to a SPOC representative by the name of XXXX ID # XXXX and she put in a request for that information to be emailed to me. I received a call on XX/XX/XXXX from a representative of Freedom Mortgage and he said the call was to follow up with me to let me know that the email was being sent to me regarding the repayment plan being back on my account. This morning, XX/XX/XXXX, I received a call again from Freedom Mortgage instructing me that there was not a repayment plan in my account and I would need to submit a new packet for modification. I asked to speak to a supervisor which ended up being the same supervisor XXXX that I spoke with last week. She also stated that the payment plan was not active on my account and again, she would send a note to underwriting for verification. This process has been very confusing to me and I need help on how to resolve this issue before my home is placed in foreclosure.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-24 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Over a year ago, based on publicity about credit information being freely given out, I put a freeze on my credit reports. 

On XX/XX/2020 I wanted to delete the freeze in order to conduct business with a bank and was able to do so with XXXX and XXXX. However I could not do so with Equifax. I tried to do this on line but could not recall my password so I asked for password reset ; although the computer advised that an email was sent to me, no email was received ( after 3 attempts ). Therefore, I could not complete this process on line. 

I called Equifax and answered a number of questions asked by a computer voice and then spoke with an agent and again gave my information and answered questions. I was then told that I could not remove the freeze unless I mailed in a request along with a copy of a photo ID. 

I do not know why Equifax has a problem. Their refusal to lift the freeze without a mailed request and, I am sure, a significant delay, jeopardizes my opportunity to have an entity check my credit and conduct business with me. I have never asked Equifax to collect information on me and now they refuse to use their collection to my advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2019, I applied for a mortgage loan to Chase. There was a promotion for ( Preferred Saphire ) Chase credit card holders which gives XXXX points awards ( equivalent to {$1000.00} ) to a customer when the mortgage is closed. I have asked during the application whether I would be eligible for the promotion but did not receive a reply till the closing. After the closing ( on XX/XX/XXXX ) my loan officer informed me that they have evaluated my case and I am not eligible as start of my application was not in the promotion period specified in the website. In response, I have sent them the description on the website which did not include a deadline for application. I have been told by my loan officer that, I have a good case and he will try again with the marketing team. About a month after he came back to me saying that there was a " typo '' in the description and they forgot to add the date but they will not be able to offer me the promotion. All our conversations on the phone and email exchanges were recorded. When I mentioned that I will apply to the CFPB and may need the recordings, they stopped responding to my emails. This is clearly a combination of wrong advertising and disclosure of information, and bad and not timely communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage is with SPS Select Portfolio Servicing.XXXX XXXX, XXXX XXXX XXXX, UT XXXX I am set up for Bi-Monthly autopay withdrawals from my bank account. I received a statement showing no payments since XX/XX/XXXX which means I'm close to two months behind and being charged late fees. When calling SPS customer service the agent DID see I was still active on their autopay program and had no idea what the problem was. I was put on hold several times until we hit 30 minutes and still no resolve. I requested the late fee removed since this error falls on SPS and a resolution ASAP before my credit is affected. The agent, days later never got back to me and this problem should be resolved within minutes. I checked the XXXX  and saw pages of complaints regarding SPS and some were exactly like mine stating some customers could not get assistance or return calls. I could send you that link if needed. 
I have not heard from their ombudsman either and when I called customer service minutes ago they knew nothing about my case but again I was told they would get back to me. I never wanted this mortgage company but after a recent RE-FI, the mortgage was sold my mortgage so I had no control of the situation. Until XX/XX/XXXX, at this time I owe {$2900.00} which includes penalties. I should be paying {$720.00} every two weeks but due to their error, the amount is adding quickly and also affecting the amount of interest paid. Even if or when this is rectified I fear more problems with this company in years to come if something this simple can not be resolved easily.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: VA

Complaint narrative:
Since starting to make payments we are being billed twice a month now for interest. However, before we started to make payments it was only once a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got subpoenaed by Wells Fargo to go to court over a credit card I had defaulted on. I went to court, but the lawyer from Wells Fargo did not show up and the judge dismissed the case. This happened probably in the middle of 2019. Today I checked my bank account and Wells Fargo had taken {$850.00} out of my account and left me {$100.00} for myself and my XXXX kids to live off of for the next 2 weeks. I called them and told them the case was dismissed, the agent told me they refiled and were granted a judgement against me. She also stated that the subpoena for the second case was left at my door. Which I never received, nor did I receive any letter from them stating that they would start deducting money out of my account, because I would've gone to make payment arrangements. She then told me to contact the law office that handled the case to set up payments, but they couldn't give me any of my money back to live off of in the mean time. I'm going to call them again, I just don't understand how they take however much they want putting me an my family in a hardship. Everything I have researched says the max they can take is 25 % after mandatory deductions. They took way more than 25 %, and next time, a little notice would be greatly appreciated.

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 2020-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This is an addendum to Complaint No. : XXXX Below is how CashNetUSA is attempting to collect an incorrect amount of money What are my next steps. As you can see I sent an email. 

Thank you. 

XXXX XXXX XXXX THIS IS CASHNET USAS NOTICE TO ME DATED XX/XX/XXXX " Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 
On XXXX, a payment of {$200.00} is due. 
Please ensure that your payment is received on time. To avoid potential missed payments and late fees, you can change your payment method to an automatic bank account debit at any time by calling XXXX. 

If you have any questions or concerns, our Collections Team is available seven days a week to help answer all of your questions via phone or email. 
CashNetUSA Collections Team Phone : XXXX Fax : XXXX Email : XXXX   www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add XXXX  to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! '' XXXX___________________________________ THIS IS MY RESPONSE TO THE NOTICE " Dear Sir/Madam : Regarding your above reference to an upcoming payment, please note that the Payment Plan DOES NOT indicate any payment amount of {$200.00} The agreed-upon payment amounts are : {$180.00}, {$180.00}, {$180.00}, and {$140.00} Although I agreed to pay {$140.00}, I believe you added an additional {$140.00}. After all, I have had so many conversations with different Associates of CashNet, more money could have been added. As you can see, there is no arrangement or agreement to pay {$200.00} as part of the current agreement. 

Please advise and correct. 

I am sending a copy to the Consumer Financial Protection Bureau of your notice, a copy of the Payment Plan and my response. I would like the Agency to see how this account is plagued with false statements and misrepresentation. 

HERE IS THE PAYMENT PLAN XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$140.00} XX/XX/XXXX Manual Payment Debit Card {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Experian a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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