vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a call this morning at approximately XXXX am est from Wellsfargo trying to get a payment on my account. We worked out a plan for making a payment and catch up and the gentleman was very courteous and helpful. However, when we went to set up the payment I don't have my checking account information on me and he said he pulled it up and I had a lot of money in my accounts. I made the Assumption he was talking about my daughter 's account which has around {$800.00} and she is saving for a car and also has my name on it because she is only XXXX. Then he said I had a second account that had {$25000.00} in it. I was very confused I definitely do not have an account with that much money in it. So I questioned him and found out that it was my mother 's account and I am listed as a beneficiary. 
My concerns are : 1. I am not an owner on this account and was given personal private information which my mother did not consent to. 
2. An offer was made to take my payment from an account that I did not own which I believe is stealing.

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 2019-04-24 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I WAS CHARGED FOR 2 CHARGES ON MY XXXX CITI VISA CREDIT CARD THAT I HAVE NO IDEA WHO THESE COMPANIES ARE AND I NEVER DID BUSINESS WITH THEM AND I DID NOT AUTHORIZE THESE CHARGES. THE CREDIT CARD WILL NOT PROCESS MY REFUND AND I DONT UNDERSTAND WHY.. I HAVE TRIED MANY TIMES. THE TWO CHARGES ARE XX/XX/18 XXXX XXXX- XXXX AND XX/XX/18 XXXX XXXX- XXXX ... THIS IS ALOT OF MONEY TAKEN FROM ME AND I NEED MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS SENIOR ABUSE. PLEASE HELP ME GET MY MONEY BACK

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 2019-04-24 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: NC

Complaint narrative:
Navient, years ago, had contacted me about consolidating my loans. I did so with them, but they still appear to be charged interest on BOTH loans separately. Not only that, but they convinced me to go into forbearance at the beginning, so I had several years of not paying the loan without accruing interest. However, once I started repaying the loan, the interest came into play with a vengeance, and turned my {$10000.00} ( approx. ) worth of owed money into almost {$15000.00}! I began paying Navient in XX/XX/2017, and had made a significant amount of payments on the loan and the interest ... or so I thought. After over two years of consistent and costly payments -- ie. paying more than the required monthly amount for more than a year -- I still have over {$12000.00} owed. I have attached the report of my payments per the life of my loan as something is not adding up and I believe Navient is not using my payments to actually pay off the loan or the interest I originally accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX for the amount of XXXX and XX/XX/XXXX in the amount of XXXX, I made payments through my online bill payment to Cabelas MasterCard. I received a notice that my account was past due. After some investigation a couple weeks ago I found out that they never received the checks my bank had sent. After contacting my bank, XXXX XXXX XXXX XXXX, they told me that those checks were cashed and cleared my account. After they sent me copies of the checks I see that my Cabelas account number on the top of both checks was crossed out and an account number was hand written on the checks as youll see in the photos I submit. The checks were also deposited by XXXX XXXX which youll also see on the back of the checks. I have no account with XXXX XXXX and I have no clue as to why they ended up with my money. So I called them last night and they would not help me or give me any information. So at this point Im out a total of XXXX dollars and my credit is being affected for late payment to Cabelass. Im not making any further payments until this is resolved. I would greatly appreciate any help. My bank told me to contact you guys for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I own an Amex Platinum Card that promises certain benefits to induce you to pay a hefty annual fee. Among them is a XXXX XXXX XXXX membership. 
I have been trying since last XXXX, online and on the phone with Amex, to receive this benefit. Until today I have been unsuccessful and Amex always tells me it will be resolved in 5 days and then nothing happens. No resolution, no information. 
Every time you talk with a different person on the phone, are put on hold, get cut off, have to tell the same story multiple times and waste a lot of time. 
Amex should deliver the promised card benefits or refund my fee. 
Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
This account was taken over by a relative and is no longer mine. Also it's been closed and still shows as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My wife and I refinanced our home in XX/XX/XXXX by way of a {$70000.00} simple interest note from XXXX XXXX, which later became XXXX. Servicing was transferred to XXXX and finally to Ocwen. My wife recently passed away and I am on XXXX from the XXXX. Nonetheless, I have never missed a mortgage payment. The loan has very rarely been late and, if so, only a few days. Often its paid a few days early. 

The promissory note says : I will pay this loan in 240 payments of {$560.00} each payment. My first payment is due XX/XX/XXXX and all subsequent payments are due on the same day of each month after that. My final payment will be due on XX/XX/XXXX, and will be for all principal and all accrued interest not yet paid. I am told that despite making all my payments timely under the note -- - I will still owe around {$5000.00} after making my last scheduled payment in XXXX. At one point, the payment due date changed to the XXXX of the month. 

I telephoned Ocwen in XXXX XXXX and requested a payment history. I am uploading the following documents : a ) mortgage b ) promissory note c ) XX/XX/XXXX letter from Ocwen responding to notice of error d ) Payment history provided by Ocwen I believe one of two things have happened : This loan was at one point, perhaps when it was with XXXX, was converted to a fully amortizing loan and Ocwen failed to account for this and misapplied all the monies I paid on the loan resulting in an over collection of interest which is resulting in a principal balance that is not actually owed. Alternatively, if the loan was not converted, Ocwen may have  otherwise boarded the loan incorrectly with flawed data when it acquired it or maybe when it changed the due date. Or maybe it has made some other mistake. Whatever the case, I made all the payments as required but I am told that I will still owe {$5000.00} or so after making the final required payment. 

Please process my complaint and help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
Sent Dispute to Equifax certified mail regarding dispute. See CFPB compaint # XXXX. The CRA has failed to respond within 30 days regarding investigation. CRA recieved certified letter on XX/XX/2019 XXXX am. Equifax has failed to respond to dispute within 30 days. Under current regulations, in reference to response time, I am now requesting a complete deletion from my credit report and requesting that a full report be sent to me stating that this entry has been deleted and reflected in a full report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
XXXX XXXX XXXX has been mailing me bills for years that is not mine. I have returned to sender items and written that it is not mine as I AM NOT XXXX XXXX. 

I have moved XXXX times and the debt has followed. They recently reported it to the credit bureaus and negatively effected my credit. I disputed it. The company continues to bill me. This needs to be removed from all three bureaus and they need to cease mailing 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 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I contacted the Consumer Financial Credit Protection Bureau on three accounts that are not due by me I submitted documents and Meridian Financial answered the complaint and removed from my credit now the same account are in my XXXX   credit report and were never removed. Attached is the proof on a previous file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened. 

I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
{$2900.00} check to XXXX and XXXX XXXX was deposited via ATM at Bank of America on XX/XX/XXXX to business account of XXXX XXXX dba XXXX XXXX and put on hold for ten days. No previous insufficient funds or account problems. The payer was XXXX XXXX who verified that this check cleared on XX/XX/XXXX, subsequently Bank of America held funds that had already cleared for 10 days for no reason, aka outright theft, before funds were finally available on XX/XX/XXXX. Calls to BOA to resolve the hold were of no help. BOA claims that they hold all checks before funds are available, but it is unknown if this is true. I would avoid opening an account with them at all costs.

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 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
applied for a loan with bigpictureloans.com on XX/XX/2019 to help with some bills, got approved but after the finalization was done received the information on repaying the loan in detail. will be repaying 3 times the amount I borrowed. loan amount was {$1900.00} the repay is going to be {$6900.00}, this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/2018, and 60 days late as of XX/XX/XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
A transaction was cancelled in the amount of XXXXThis was an order for a pair of shoes thru XXXX XXXX.The order was cancelled within 2 minutes after it was placed.The transaction went thru using XXXX. 
American express put a hold on my account for XXXX on XXXX XXXX.This was supposed to be released by Amex today XXXX.They have not.Now they are blaming XXXX XXXX for the hold. 
I spoke with multiple people from Amex, including a person maned XXXX that stated hes a supervisor.All he did was lied to me regarding the issue. 
There's no reason for Amex to lied regarding availability of funds. Its terrible that they DO NOT PROTECT credit card holders from fraud, when they are the guilty ones!!! The XXXX its fraudulent charge and I want the money back into my account. No excuses. 
In closing this is not the first time that I had this issues.10 days ago, I made a a purchased and they charged ( amex ) twice.I had to spend many hours with them to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended this school in XXXX, I was unable to complete the coursework because the school closed down. The institution is still charge me for the debt. The school advertised and explicitly promised being hired upon completion. However, they lacked credibility there after because I was unable to complete the course work and was left with the death. The company breached its contract by promising upon completion being hired however, closed down in the process leaving me with the predatory loan. I determinately relies on this process, I have been unemployed as of today and my loan debt accumulation keeps increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a list of accounts that were reporting incorrect information on my credit report, to the credit bureaus. There were supposed to investigate the accounts and respond to me within a month. It has now been two weeks over a month, and they have not 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 non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I believe this was discharged in my bankruptcy and shouldnt be with a collection agency. I already had XXXX remove this from my credit report. Chapter XXXX case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name 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 2019-04-24 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: PA

Complaint narrative:
I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This was a identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX   partial account number ****XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i attempted to purchase tickets to a show from someone online, used PayPal credit that assured me i was protected from a frodulent transaction. once i send the money, i realized that the profile the person used was fake, so i cancelled the transfer via text, replied that i do not authorize this transaction, the called PayPal and asked them not to release the funds, explained what had happened and was assured the funds would not get released and that they opened a case. A few hours later i received an email from PayPal stating that the case was closed and that the funds were released. I called them again, they charged me {$5.00} to protect the {$80.00} purchase but refused to reimburse/credit or do anything about it ...

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