vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
I received a call from a collection company called Hunter Warfield about money owed to a previous home I was renting at XXXX XXXX, a property of XXXX XXXX XXXX They said that I was put in a collection because XXXX XXXX identified damages after I had left the apartment. I never received information about money owed from XXXX XXXX because they said that they were sending in to my old address at XXXX XXXX, while clearly I had moved out, hence the amount they said I owed. Hunter Warfield contacted me on XX/XX/2018, telling me that they will not remove this from my credit report even though I had not received any information. The amount was about {$490.00} dollars. 

The first I had ever heard about this debt was once it was put in collections, and I feel like I was not given proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XX/XX/2019 I sold my primary residence in XXXX XXXX, FL. The amount received from the sale was deposited in my HSBC checking account XX/XX/ 2019 I went to the HSBC Bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to initiate a wire transfer of USD {$100000.00} The wire transfer was initiated from a US dollar account at HSBC Bank to a US dollar account at XXXX XXXX in XXXX XXXX REFERENCE XXXX XXXX BUY REAL ESTATE IN XXXX FROM PROCEEDS OF A SALE OF REALESTATE IN US XXXX XXXX 2019 I was informed by XXXX XXXX XXXX that only USD {$94000.00} was received I sent by wire transfer USD {$100000.00} on XXXX XXXX 2019. I received USD {$94000.00} on XXXX XXXX 2019 The amount of USD {$5600.00} is missing I have called HSBC Bank at least 8 times over a 3 week period The following is my call log and a summary of events XXXX XXXX 2019 I called HSBC Bank. Talked to customer service, XXXX who opened investigation reference number XXXX XX/XX/2019 I called HSBC Bank. Talked to customer service Hani. Hani did not find any notes or reference enter by the XXXX, therefore we started a new investigation XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX  XXXX. XXXX could not find any logs, previous references or anything related to my issue XXXX XXXX 2019 I tried to escalate the case and talked to XXXX the Floor Manager. The Floor Manager called Wire Room Team. XXXX suggested to wait for the Wire Room Team to respond. 

XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX, Floor Manager. XXXX called the Wire department and also suggested to wait. 
Also on XX/XX/XXXX XXXX  Manager created a new complain number XXXX XXXX XXXX 2019 I called HSBC Bank. Talked to XXXX manager of customer department. XXXX created a new case number XXXX. 
The case was submitted to the wire room department. 

XX/XX/ 2019 I called HSBC Bank. Talked to customer service XXXX XXXX XXXX could not find any logs, previous references or anything related to my issue. 

XXXX XXXX 2019 I called HSBC Bank. Talked to customer service XXXX id XXXX. XXXX provided no information. I asked to talk to the floor manager. Floor manager XXXX was not available. 

The wire transfer was executed 3 weeks ago. I called HSBC Bank at least 8 times as outlined above. Sometimes I have been on the phone for over an hour with no resolution. 

Something went terrible wrong. Why HSBC Bank is providing no answers. Where is my money. As of today, the amount of USD XXXX is still missing. 
HSBC Bank consistently provided no resolution to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion presently has three of my student loans listed in bankruptcy, which is incorrect. I have contacted Transunion regarding the issue. They stated they verified the information with the creditor. I have verification documents from XXXX verifying that my loans are listed in deferment and not bankruptcy. The following three loan accounts are listed in Chapter XXXX Bankruptcy : 1.  XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XX/XX/2017 The loans are listed incorrectly and should be immediately updated to deferred. Listing these accounts incorrectly has decreased my credit score by 60 points.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I applied online for a Capital One QuickSilver Credit Card. Being an existing Capital One Bank customer, I was approved within minutes.

I received the card on XX/XX/2019, and began using it almost immediately.

On XX/XX/XXXX - less than one week after I received the card - I received a call from XXXX XXXX at the Capital One Fraud Department, informing me that my account is being frozen until the company can review my tax transcripts. In order for this to happen, she informed me, it would be necessary for me to fill out a copy of IRS form 4506-T,  which she would send me via email.

Within minutes of our conversation, I received an email from Ms XXXX with a link attached for a XXXX  version of that form.

I was, unfortunately, impossible for me to fill out the form that I was sent. My wife and I file taxes jointly, with her name appearing first. In that situation, the IRS requires that my wife 's name be written on line 1a, and mine on line 2a of the form. In the XXXX  version of the form that I was sent, line 2a was blocked out, and could not be filled.

I immediately called Capital One to request a new copy of the form. My request was not honored.

Since then, I have called the Capital One Fraud Department at their published phone number no less than 6 times - twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX. I have spoken with 6 representatives, including two managers, XXXX   and XXXX. I have spent close to 3 hours on the phone with their agents. On each occasion, I was told that my issue can only be resolved by the case owner - that is, Ms XXXX. Only she has the power to send me a new copy of that form.

Each time, the representatives I spoke with promised to forward my request to her, but I have since received no response.

On XX/XX/XXXX, I was promised that I would receive a new form via email by the close of that business day, but that email never materialized.

I made several requests to speak with the case owner directly, but was first told she was unavailable, and later told that she does not ever accept phone calls.

I have also made several attempts to contact Ms XXXX directly by email, and have received no response from her.

All I need is for Capital One to resend me IRS form 4506-T for joint filers. I believe my request is quite simple and straightforward, and do not understand why they can not send me said form. Why is this a weeks-long process involving hours of my time spent on the phone?

If you could arrange for Capital One to deal with this issue and send me the form in an expedited fashion, so that I can get my account unfrozen ( defrosted? ), it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. I'm unaware of this account and it's association to me. Please provide validation as per the fair credit reporting act. Please send copies via mail of original documents with signature, breakdown of charges and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX TD BANK Acct # XXXX {$100.00} Reversal charge I am in the middle of changing banks from TD XXXX XXXX  to XXXX in XXXX XXXXXXXX  I set up a transfer of money from TD checking account {$630.00} over to XXXX Acct # XXXX The transfer went fine, over to XXXX A couple of days later, The money at XXXX was transferred back to TD Bank without my permission or knowledge TD charged me {$100.00} reversal fee I went to speak with both banks in person and no one can help me with anything They are pointing fingers at each other So far, out of the {$790.00} Social Sec XXXX Child check I have been charged {$100.00} twice in fees from TD Bank See prior complaint Thank You, Please help We need my sons check to live

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Someone has stolen my identity, and I would like these idems removed from my credit Report. 
Thank, You

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 2019-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
This past year in XX/XX/2019 my insurance agent presented a new home owners quote, instead of policy through XXXX XXXX. I agreed to make the change in XXXX. The new policy went into effect XX/XX/2019. I received a notice from the insurance company that payment from the mortgage company had not been received. I contacted them last week on XX/XX/2019. And was asked to forward the bill from the insurance company to the mortgage company. I did that, but today, the bill has still not been paid, and i discovered that the mortgage company took out another policy on my home for over double the cost of what I pay per year. I want them to cancel the forced policy, because of an error in accounting. Insurance has been in place without a lapse in coverage. I would like the amount paid to be refunded to us as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech is holding my escrow refunds from years XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Per your request, I closed my judgment open with you I regards to wrong debt. Debt has been paid since XXXX 2019. Now, US collections owes me an over payment of the debt. I have talked to a XXXX-something like that and his manager XXXX. I was informed that I would receive my credit balance back. This was in XXXX, it is now XXXX. I still have not received my credit balance refund. Where are my funds? I want the amount of the credit balance, how you came to that amount of the credit balance and where are my funds currently. I was informed many times I would get my credit balance funds back. Where are they? This is now the third month with no call from anyone from the company about my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/2019 I sent an escrow shortage amount to make sure Escrow was paid. Loancare misapplied those funds with no notification to me. I continued to make my monthly payments. Due to the amount change and lack of notification from loancare they held my payments in a side account and showed my payments as not being made. I have made numerous calls to them to fix the issue and even paid additional amounts they said that were owed. They continue to delay the application of proper payments and my credit has been giving mulitple negative remarks and has plummeted. I have spoken to XXXX XXXX and he promised it would be fixed. Please help me get my credit repaired and have loancare apply payments correctly.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: CO

Complaint narrative:
Breach of confidentiality. My name and email address were shared with other leads by a mortgage sales person who didn't know how to securely and privately send emails. This again occurred when the message was " recalled '', which only works on internal email systems.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: WA

Complaint narrative:
I began tracking my credit more proactively towards the end of 2017. When I first reviewed it there were so many errors! I actually will show proof of the binder I began keeping when starting out. Experian alone can review all dispute records as well, since I have a experian account along with retaining copies of prior disputes since. I also have copies of certified letters I had sent to creditors and the credit agency. I finally just last week got Experian to listen after almost 2 years of explaining there were fraudulent accounts on my report, multiple disputes, letters and phone conversations. I have asked for different information multiple times in regards to disputes on accuracy, account ownership and more. More recently before deciding to take the route of filing a complaint through here I disputed again through Experian. It only took a few days before they AGAIN came back with everything being updated. Nothing changed except the status. I have received no validation of any of these items and some are just corrections to balance, payments, and/or status. I am requesting for all information pertaining to what they have on file in regards to these accounts enacting my FCRA rights. If this is not done, I will be reaching out to the attorney general for the state of Washington. As a XXXX XXXX XXXX who is constantly being called to duty/training, it should not have to take multiple years to correct information across my reports just because I do not have constant means to fight their responses to get things corrected.

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 2019-06-10 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: NJ

Complaint narrative:
While investigating if I was eligible for a loan discharge on a XXXX private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted XXXX right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but XXXX continues to add interest to the account and call incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
On XX/XX/2019, my debit card was overcharged by XXXX XXXX XXXX XXXX at a gun show. At the time of sale ( XX/XX/2019), the vendor verbally informed me that the total was {$40.00}, then had me sign a signature pad that did NOT display the total information. I was also asked to write down my address on a piece of paper on a clipboard. However, after the transaction, the vendor did NOT provide me with a receipt. When I went home, instead of a charge for {$40.00} for the muzzle break I brought home, XXXX XXXX XXXX XXXX had charged my account {$560.00}. I immediately went online to try to find contact information for the vendor, but I could not find a website, email or phone number anywhere. I contacted my bank and they gave me a temporary credit for the purchase and initiated an investigation. On XX/XX/19, I received a letter from my bank explaining that the vendor sent my bank a receipt. The receipt shows the total as {$560.00} for a " NonInventory Item '' and my signature beneath it. I never signed any document for this amount, only the blank signature pad. My bank has accepted this fraudulent receipt and is going to reverse the temporary credit they issued me.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.

Company response to consumer: Closed with explanation