Date received timestamp[ns]date 2011-12-01 00:00:00 2019-05-10 00:00:00 | Product stringclasses 18
values | Sub-product stringclasses 75
values | Issue stringclasses 159
values | Sub-issue stringclasses 212
values | Consumer complaint narrative stringlengths 9 31.4k ⌀ | Company public response stringclasses 10
values | Company stringlengths 3 67 | State stringclasses 63
values | ZIP code stringlengths 5 5 ⌀ | Tags stringclasses 3
values | Consumer consent provided? stringclasses 4
values | Submitted via stringclasses 6
values | Date sent to company timestamp[ns]date 2011-12-01 00:00:00 2019-05-10 00:00:00 | Timely response? stringclasses 2
values | Consumer disputed? stringclasses 2
values | Company response to consumer stringclasses 8
values |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2013-08-30T00:00:00 | Bank account or service | Checking account | Deposits and withdrawals | null | null | null | WELLS FARGO & COMPANY | MI | 39206 | Older American, Servicemember | null | Phone | 2013-09-17T00:00:00 | Yes | No | Closed with explanation |
2018-02-26T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According ... | null | EQUIFAX, INC. | PA | 171XX | null | Consent provided | Web | 2018-02-26T00:00:00 | Yes | null | Closed with explanation |
2018-02-08T00:00:00 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Subject: RE: Credit Card Charge Disputed for XXXX Order XXXXGreetings,After examining the merchant and the amount on my credit card statement provided by Chase, I disputed a charge in the amount of $XXXX posted on XX/XX/2017 because neither I, nor anyone authorized, ordered, or signed for the merchandise. In addition, ... | null | JPMORGAN CHASE & CO. | MI | null | Servicemember | Consent provided | Web | 2018-02-08T00:00:00 | Yes | null | Closed with explanation |
2018-09-22T00:00:00 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment.
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail.
XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MD | 208XX | null | Consent provided | Web | 2018-09-22T00:00:00 | Yes | null | Closed with monetary relief |
2018-09-10T00:00:00 | Mortgage | Conventional home mortgage | Trouble during payment process | null | null | Company believes it acted appropriately as authorized by contract or law | Ditech Financial LLC | VA | 23139 | null | Consent not provided | Web | 2018-09-11T00:00:00 | Yes | null | Closed with explanation |
2013-12-16T00:00:00 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | null | null | null | OCWEN LOAN SERVICING LLC | GA | 30022 | null | null | Postal mail | 2013-12-19T00:00:00 | Yes | No | Closed with explanation |
2019-02-04T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 338XX | null | Other | Web | 2019-02-04T00:00:00 | Yes | null | Closed with non-monetary relief |
2014-12-23T00:00:00 | Debt collection | Federal student loan | Improper contact or sharing of info | Contacted employer after asked not to | null | null | National Enterprise Systems, Inc. | FL | 335XX | null | null | Web | 2014-12-23T00:00:00 | Yes | Yes | Closed with explanation |
2017-11-29T00:00:00 | Debt collection | Federal student loan debt | False statements or representation | Attempted to collect wrong amount | On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6... | Company believes it acted appropriately as authorized by contract or law | GREAT LAKES | DC | 200XX | null | Consent provided | Web | 2017-11-29T00:00:00 | Yes | null | Closed with explanation |
2019-03-12T00:00:00 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FLAGSTAR BANK, FSB | NV | 890XX | null | Consent not provided | Web | 2019-03-12T00:00:00 | Yes | null | Closed with explanation |
2018-01-30T00:00:00 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | Purchased a car from a dealer. Dealer did not pay the floor plan company for the car which made it difficult to get a tag for the car. Before the paper tag expired, the dealership closed down. While speaking with the finance company about the issue with the tag, I contacted the finance company to inquire about having t... | null | Coastal Credit, LLC | SC | 293XX | null | Consent provided | Web | 2018-01-30T00:00:00 | Yes | null | Closed with explanation |
2017-11-15T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | Company believes it acted appropriately as authorized by contract or law | ERC | NC | 287XX | null | Consent not provided | Web | 2017-11-15T00:00:00 | Yes | null | Closed with explanation |
2016-07-14T00:00:00 | Credit card | null | Transaction issue | null | null | null | AMERICAN EXPRESS COMPANY | CA | 91744 | null | Consent not provided | Web | 2016-07-14T00:00:00 | Yes | No | Closed with non-monetary relief |
2015-01-15T00:00:00 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | null | null | AFNI INC. | FL | 32765 | Older American | null | Web | 2015-01-15T00:00:00 | Yes | No | Closed with explanation |
2017-02-04T00:00:00 | Credit card | null | Delinquent account | null | null | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 76132 | null | Consent not provided | Web | 2017-02-08T00:00:00 | Yes | Yes | Closed with explanation |
2019-01-01T00:00:00 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.
Please see the following.
( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing... | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 907XX | null | Consent provided | Web | 2019-01-01T00:00:00 | Yes | null | Closed with explanation |
2018-02-19T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 112XX | null | Consent provided | Web | 2018-02-19T00:00:00 | Yes | null | Closed with explanation |
2017-11-16T00:00:00 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TN | 379XX | Servicemember | Consent provided | Web | 2017-11-17T00:00:00 | Yes | null | Closed with non-monetary relief |
2017-07-14T00:00:00 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed ... | null | Navient Solutions, LLC. | OH | 441XX | null | Consent provided | Web | 2017-07-14T00:00:00 | Yes | null | Closed with explanation |
2017-03-01T00:00:00 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | Ocwen send me a notice that i need to send {$1200.00} for escrow which I did to keep my payment at XXXX per month, then they sent me a new payment of XXXX per month when i asked them way the increase they had no answer. This is my second time filing against this company, why they are still alowed to contunie in busines... | null | OCWEN LOAN SERVICING LLC | NY | 117XX | Older American | Consent provided | Web | 2017-03-01T00:00:00 | Yes | Yes | Closed with explanation |
2017-12-06T00:00:00 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This debt is n't even mine and needs to be removed immediately. I was told via phone with original company I was not liable anymore for this as it was paid for. Please remove this for my credit report. | Company disputes the facts presented in the complaint | United Revenue Corporation | MT | null | Servicemember | Consent provided | Web | 2017-12-06T00:00:00 | Yes | null | Closed with explanation |
2016-02-29T00:00:00 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | null | null | GRYPHON CORP. | MN | 558XX | null | Consent not provided | Web | 2016-03-02T00:00:00 | Yes | Yes | Closed with explanation |
2016-06-27T00:00:00 | Debt collection | Mortgage | Cont'd attempts collect debt not owed | Debt is not mine | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MA | 02302 | null | Consent not provided | Web | 2016-06-27T00:00:00 | Yes | No | Closed with non-monetary relief |
2019-03-29T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | CAPITAL ONE FINANCIAL CORPORATION | MO | null | null | null | Web | 2019-04-03T00:00:00 | Yes | null | Closed with explanation |
2015-10-23T00:00:00 | Credit reporting | null | Credit reporting company's investigation | Problem with statement of dispute | Equifax began reporting a judgment on my credit report XX/XX/2015. I disputed this and received a copy of an unsigned unfiled judgment. An unsigned unfiled judgment is not a legally binding judgment. Equifax states that I did not respond within the 30 day period but this is incorrect as I was not notified by Equifax of... | null | EQUIFAX, INC. | MT | null | null | Consent provided | Web | 2015-10-23T00:00:00 | Yes | No | Closed with explanation |
2017-01-20T00:00:00 | Mortgage | Home equity loan or line of credit | Credit decision / Underwriting | null | ON XXXX XXXX XXXX WE CALLED WELLS FARGO MTG WHO CURERNTLY HOLDS OUR MTG TO REFINANCE AND GET SOME EQUITY WE HAVE AVAILABLE TO CONSOLIDATE SOME BILLS AND DO SOME HOME IMPROVEMENTS. I WAS DIRECTED TO A XXXX XXXX XXXX WHO WAS VERY SHORT WITH HIS EXPLANATIONS TO THE LOAN WE WERE REQUESTING AND STATED BEFORE WE APPLY FOR TH... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 774XX | null | Consent provided | Web | 2017-01-20T00:00:00 | Yes | No | Closed with explanation |
2017-05-14T00:00:00 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I reques... | null | Ability Recovery Services, LLC | MO | null | null | Consent provided | Web | 2017-05-14T00:00:00 | Yes | null | Closed with explanation |
2016-07-26T00:00:00 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | null | null | FIRST NATIONAL BANK OF OMAHA | WA | 988XX | null | null | Referral | 2016-07-29T00:00:00 | Yes | No | Closed with explanation |
2012-10-20T00:00:00 | Student loan | Non-federal student loan | Getting a loan | null | null | null | WELLS FARGO & COMPANY | CA | 91350 | null | null | Web | 2012-10-22T00:00:00 | Yes | No | Closed with non-monetary relief |
2018-09-17T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee # XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is ... | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 606XX | null | Consent provided | Web | 2018-09-17T00:00:00 | Yes | null | Closed with explanation |
2013-09-18T00:00:00 | Credit reporting | null | Credit reporting company's investigation | No notice of investigation status/result | null | null | EQUIFAX, INC. | NC | 28560 | null | null | Web | 2013-09-18T00:00:00 | Yes | No | Closed with non-monetary relief |
2016-10-07T00:00:00 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | null | null | DLC, LLC | NV | 89117 | null | Consent not provided | Web | 2016-10-31T00:00:00 | Yes | No | Closed with explanation |
2013-06-23T00:00:00 | Bank account or service | Checking account | Making/receiving payments, sending money | null | null | null | WELLS FARGO & COMPANY | CA | 94122 | Older American | null | Web | 2013-06-25T00:00:00 | Yes | Yes | Closed with explanation |
2019-02-24T00:00:00 | Mortgage | Conventional home mortgage | Trouble during payment process | null | I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | WA | 993XX | null | Consent provided | Web | 2019-02-24T00:00:00 | Yes | null | Closed with explanation |
2014-01-28T00:00:00 | Credit card | null | Advertising and marketing | null | null | null | CITIBANK, N.A. | VA | 20170 | null | null | Web | 2014-01-27T00:00:00 | Yes | No | Closed with explanation |
2018-08-08T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90016 | null | null | Postal mail | 2018-08-08T00:00:00 | Yes | null | Closed with non-monetary relief |
2019-04-02T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | null | DISCOVER BANK | WA | 988XX | null | null | Web | 2019-04-02T00:00:00 | Yes | null | Closed with explanation |
2018-04-12T00:00:00 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10303 | null | Consent not provided | Web | 2018-04-12T00:00:00 | Yes | null | Closed with explanation |
2018-01-05T00:00:00 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | null | null | Alliance Data Card Services | FL | 32218 | Servicemember | Consent not provided | Web | 2018-01-07T00:00:00 | Yes | null | Closed with explanation |
2017-07-07T00:00:00 | Mortgage | Conventional home mortgage | Trouble during payment process | null | My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank ... | null | NEW YORK COMMUNITY BANK | TX | 750XX | null | Consent provided | Web | 2017-07-07T00:00:00 | Yes | null | Closed with explanation |
2014-02-26T00:00:00 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | null | null | Seterus, Inc. | GA | 30115 | Older American | null | Phone | 2014-02-28T00:00:00 | Yes | No | Closed with explanation |
2015-11-11T00:00:00 | Credit reporting | null | Credit monitoring or identity protection | Billing dispute | I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on ti... | Company chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WV | null | null | Consent provided | Web | 2015-11-11T00:00:00 | Yes | No | Closed with explanation |
2017-04-04T00:00:00 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not b... | null | Navient Solutions, LLC. | NY | null | null | Consent provided | Web | 2017-04-04T00:00:00 | Yes | No | Closed with explanation |
2016-05-04T00:00:00 | Bank account or service | Other bank product/service | Account opening, closing, or management | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OH | 43232 | null | null | Referral | 2016-05-09T00:00:00 | Yes | No | Closed with non-monetary relief |
2017-05-08T00:00:00 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | null | Company believes it acted appropriately as authorized by contract or law | Sunset Management, Inc | SC | 29693 | null | null | Phone | 2017-05-08T00:00:00 | Yes | null | Closed with explanation |
2018-03-12T00:00:00 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | null | null | CAVALRY INVESTMENTS, LLC | CA | 92392 | null | Consent not provided | Web | 2018-03-12T00:00:00 | Yes | null | Closed with non-monetary relief |
2017-06-30T00:00:00 | Mortgage | Conventional home mortgage | Trouble during payment process | null | Tried to do loan modification and Ocwen sends back last payments so it wo n't become valid. Both Ocwen and their attorney never returns phone calls so I could find out why checks were returned. Was told by XXXX XXXX XXXX to file a Chapter XXXX bankruptcy, followed all directions to stop sale and that failed. Per commis... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | OCWEN LOAN SERVICING LLC | HI | 967XX | Older American, Servicemember | Consent provided | Web | 2017-06-30T00:00:00 | Yes | null | Closed with explanation |
2017-10-12T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have submitted multiple requestes written requests and even spoke with an Representative named XXXX at Experian regarding having the following inquiries removed because I didnt not authorize them and have been unsuccessful in doing so.
XXXX.
XXXX XXXX Dated : XXXX XXXX, XXXX Mortgage Reporters XXXX XXXX XXXX XXXX,... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 761XX | null | Consent provided | Web | 2017-10-12T00:00:00 | Yes | null | Closed with explanation |
2015-04-23T00:00:00 | Mortgage | Conventional fixed mortgage | Loan servicing, payments, escrow account | null | null | Company chooses not to provide a public response | U.S. BANCORP | PA | 18974 | null | Consent not provided | Web | 2015-04-29T00:00:00 | Yes | Yes | Closed with monetary relief |
2016-12-29T00:00:00 | Credit reporting | null | Incorrect information on credit report | Account status | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08043 | null | null | Postal mail | 2016-12-30T00:00:00 | Yes | No | Closed with non-monetary relief |
2018-12-07T00:00:00 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | null | null | JPMORGAN CHASE & CO. | WI | 54901 | null | Consent not provided | Web | 2018-12-07T00:00:00 | Yes | null | Closed with non-monetary relief |
2015-09-02T00:00:00 | Credit card | null | Billing disputes | null | I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know... | Company chooses not to provide a public response | CITIBANK, N.A. | CA | 921XX | null | Consent provided | Web | 2015-09-02T00:00:00 | Yes | Yes | Closed with explanation |
2015-02-17T00:00:00 | Credit reporting | null | Incorrect information on credit report | Account status | null | null | CITIBANK, N.A. | AZ | 85711 | Older American | null | Fax | 2015-02-23T00:00:00 | Yes | Yes | Closed with monetary relief |
2016-11-21T00:00:00 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake ... | null | Southwest Credit Systems, L.P. | OR | 972XX | Older American, Servicemember | Consent provided | Web | 2016-11-21T00:00:00 | Yes | No | Closed with explanation |
2014-06-19T00:00:00 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | Works & Lentz, Inc | OK | 73506 | Servicemember | null | Web | 2014-06-19T00:00:00 | No | No | Closed with explanation |
2015-01-22T00:00:00 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Frequent or repeated calls | null | null | Diversified Consultants, Inc. | IL | 619XX | Older American | null | Web | 2015-01-22T00:00:00 | Yes | No | Closed with explanation |
2015-09-14T00:00:00 | Credit reporting | null | Incorrect information on credit report | Account terms | null | Company chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89131 | null | Consent not provided | Web | 2015-09-14T00:00:00 | Yes | No | Closed with explanation |
2013-06-04T00:00:00 | Bank account or service | Other bank product/service | Account opening, closing, or management | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | GA | 313XX | null | null | Web | 2013-06-05T00:00:00 | Yes | No | Closed with monetary relief |
2018-04-03T00:00:00 | Money transfer, virtual currency, or money service | Virtual currency | Fraud or scam | null | ***** XX/XX/XXXX just log in only .. Think sometime in XX/XX/XXXX I purchased lite coin 2 ) Please list any actions that were not authorized by you, including the amount and timing of any transactions.
***** XX/XX/XXXX roughly {$1200.00}, amount of lite Coins XXXX 3 ) Do you have any information on how your passwords... | null | Coinbase, Inc. | NJ | null | null | Consent provided | Web | 2018-04-03T00:00:00 | Yes | null | Closed with explanation |
2016-10-20T00:00:00 | Credit reporting | null | Incorrect information on credit report | Information is not mine | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75703 | null | null | Phone | 2016-10-20T00:00:00 | Yes | No | Closed with non-monetary relief |
2017-11-03T00:00:00 | Checking or savings account | Checking account | Closing an account | Company closed your account | My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 334XX | null | Consent provided | Web | 2017-11-03T00:00:00 | Yes | null | Closed with explanation |
2015-11-08T00:00:00 | Credit reporting | null | Incorrect information on credit report | Account status | null | Company chooses not to provide a public response | Experian Information Solutions Inc. | CT | 06512 | Older American | Consent not provided | Web | 2015-11-08T00:00:00 | Yes | No | Closed with explanation |
2018-02-17T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | PORTFOLIO RECOVERY ASSOCIATES INC | NV | 89509 | null | Consent not provided | Web | 2018-02-17T00:00:00 | Yes | null | Closed with explanation |
2017-04-15T00:00:00 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Don't agree with fees charged | On XX/XX/XXXX, letter received time to recertify under the Income-Based Repayment ( IBR ) plan and that the application must be received by XX/XX/XXXX. I submitted the required online application XX/XX/XXXX. A letter dated XX/XX/XXXX indicated I was denied for IBR because it was not time to recalculate my payment and t... | null | AES/PHEAA | FL | 338XX | null | Consent provided | Web | 2017-04-15T00:00:00 | Yes | No | Closed with non-monetary relief |
2017-09-27T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter | null | EQUIFAX, INC. | MS | 387XX | null | Consent provided | Web | 2017-09-27T00:00:00 | Yes | null | Closed with explanation |
2016-12-14T00:00:00 | Credit reporting | null | Incorrect information on credit report | Information is not mine | null | null | EQUIFAX, INC. | GA | 30188 | null | Consent not provided | Web | 2016-12-14T00:00:00 | Yes | Yes | Closed with explanation |
2013-01-01T00:00:00 | Student loan | Non-federal student loan | Repaying your loan | null | null | null | WELLS FARGO & COMPANY | NM | 87114 | null | null | Web | 2013-01-03T00:00:00 | Yes | No | Closed with explanation |
2014-12-04T00:00:00 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | NV | 89113 | null | null | Referral | 2014-12-09T00:00:00 | Yes | No | Closed with explanation |
2019-02-05T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32246 | null | Consent not provided | Web | 2019-02-05T00:00:00 | Yes | null | Closed with explanation |
2017-11-01T00:00:00 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 91504 | null | null | Referral | 2017-11-03T00:00:00 | Yes | null | Closed with monetary relief |
2017-02-14T00:00:00 | Mortgage | FHA mortgage | Loan modification,collection,foreclosure | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 288XX | null | Other | Web | 2017-02-17T00:00:00 | Yes | No | Closed with explanation |
2017-12-05T00:00:00 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I have an account with citibank, and I mailed a check to XXXX in the amount of {$500.00} which was cashed, but never received by XXXX. This caused problems going through tolls and I incurred fees for this. I have contacted citibank and they said that the check was cashed but they are unable to find out who cashed the c... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 109XX | Older American | Consent provided | Web | 2017-12-05T00:00:00 | Yes | null | Closed with explanation |
2013-09-05T00:00:00 | Consumer Loan | Installment loan | Managing the loan or lease | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11743 | null | null | Postal mail | 2013-09-06T00:00:00 | Yes | No | Closed with explanation |
2014-10-24T00:00:00 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Received bad information about my loan | null | null | Navient Solutions, LLC. | MN | 551XX | null | null | Web | 2014-10-24T00:00:00 | Yes | No | Closed with explanation |
2012-08-17T00:00:00 | Bank account or service | Checking account | Problems caused by my funds being low | null | null | null | TCF NATIONAL BANK | CO | 80229 | null | null | Web | 2012-08-17T00:00:00 | Yes | No | Closed with monetary relief |
2016-03-24T00:00:00 | Mortgage | FHA mortgage | Credit decision / Underwriting | null | I send Chase JPMORGAN XXXX online they took the cash, and XXXX online and today they have failed to apply the cedit to the account, the currently have the property in Foreclosure status. | null | JPMORGAN CHASE & CO. | NJ | 070XX | Older American, Servicemember | Consent provided | Web | 2016-03-25T00:00:00 | Yes | No | Closed with explanation |
2014-03-17T00:00:00 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | null | null | Eastern Account Systems of Connecticut, Inc. | WI | 53224 | null | null | Web | 2014-03-20T00:00:00 | Yes | Yes | Closed with explanation |
2014-07-01T00:00:00 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | null | null | ProCollect, Inc | MI | 48167 | null | null | Web | 2014-07-01T00:00:00 | Yes | No | Closed with explanation |
2015-03-28T00:00:00 | Bank account or service | Other bank product/service | Making/receiving payments, sending money | null | null | Company believes it acted appropriately as authorized by contract or law | NETSPEND CORPORATION | OK | 73135 | null | Consent not provided | Web | 2015-04-02T00:00:00 | Yes | No | Closed with monetary relief |
2016-03-07T00:00:00 | Credit card | null | Billing disputes | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | UT | 840XX | null | Consent not provided | Web | 2016-03-07T00:00:00 | Yes | No | Closed with monetary relief |
2017-01-24T00:00:00 | Debt collection | Auto | Communication tactics | Called outside of 8am-9pm | A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the repres... | null | Innovate Managed Holdings, LLC | TX | 752XX | null | Consent provided | Web | 2017-03-03T00:00:00 | No | No | Closed with non-monetary relief |
2016-07-12T00:00:00 | Credit reporting | null | Incorrect information on credit report | Account status | null | null | EQUIFAX, INC. | NY | 14626 | Servicemember | null | Phone | 2016-07-13T00:00:00 | Yes | No | Closed with explanation |
2018-01-05T00:00:00 | Mortgage | Other type of mortgage | Trouble during payment process | null | null | null | JPMORGAN CHASE & CO. | CA | 94117 | null | null | Referral | 2018-01-06T00:00:00 | Yes | null | Closed with explanation |
2015-08-26T00:00:00 | Bank account or service | Checking account | Deposits and withdrawals | null | null | Company chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 79424 | null | null | Referral | 2015-08-30T00:00:00 | Yes | No | Closed with monetary relief |
2013-05-06T00:00:00 | Mortgage | Other mortgage | Application, originator, mortgage broker | null | null | null | CITIBANK, N.A. | PR | 00738 | null | null | Web | 2013-05-13T00:00:00 | Yes | No | Closed with explanation |
2016-10-11T00:00:00 | Credit card | null | Closing/Cancelling account | null | null | null | TD BANK US HOLDING COMPANY | IL | 60653 | null | Consent not provided | Web | 2016-10-11T00:00:00 | Yes | No | Closed with explanation |
2013-02-12T00:00:00 | Mortgage | Conventional fixed mortgage | Application, originator, mortgage broker | null | null | null | TIAA, FSB | WA | 982XX | Older American, Servicemember | null | Web | 2013-02-13T00:00:00 | Yes | No | Closed with explanation |
2014-05-06T00:00:00 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | null | null | ENCORE CAPITAL GROUP INC. | AZ | 853XX | null | null | Web | 2014-05-06T00:00:00 | Yes | Yes | Closed with explanation |
2019-01-23T00:00:00 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 75035 | null | Consent not provided | Web | 2019-01-23T00:00:00 | Yes | null | Closed with monetary relief |
2016-11-23T00:00:00 | Mortgage | Conventional adjustable mortgage (ARM) | Loan modification,collection,foreclosure | null | Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 338XX | null | Consent provided | Web | 2016-11-23T00:00:00 | Yes | Yes | Closed with explanation |
2019-02-11T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Personal information incorrect | I have had this issue with experian time and time again. they keep using my current address as an old address. I can not remove or lift the freeze from my credit report when i need to because they are using information that is not mine. I can not even verify identity using their system because their system is asking me... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SD | null | null | Consent provided | Web | 2019-02-11T00:00:00 | Yes | null | Closed with explanation |
2019-01-20T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 185XX | null | Consent not provided | Web | 2019-01-20T00:00:00 | Yes | null | Closed with non-monetary relief |
2017-10-24T00:00:00 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | OR | 977XX | null | Consent provided | Web | 2017-10-24T00:00:00 | Yes | null | Closed with monetary relief |
2016-03-23T00:00:00 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt is not mine | PORTFOLIO RECOVERY REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION | null | PORTFOLIO RECOVERY ASSOCIATES INC | FL | null | null | Consent provided | Web | 2016-03-23T00:00:00 | Yes | No | Closed with explanation |
2018-08-02T00:00:00 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | null | null | AmerAssist A/R Solutions, Inc. | MO | 63111 | null | Consent not provided | Web | 2018-08-02T00:00:00 | No | null | Closed with explanation |
2019-02-25T00:00:00 | Payday loan, title loan, or personal loan | Installment loan | Problem when making payments | null | null | Company believes it acted appropriately as authorized by contract or law | GreenSky, LLC | MA | 01611 | Older American | null | Phone | 2019-02-25T00:00:00 | Yes | null | Closed with explanation |
2018-11-29T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 436XX | null | Consent not provided | Web | 2018-11-29T00:00:00 | Yes | null | Closed with explanation |
2016-06-30T00:00:00 | Mortgage | FHA mortgage | Loan servicing, payments, escrow account | null | null | Company believes it acted appropriately as authorized by contract or law | Ditech Financial LLC | FL | 32712 | null | Consent not provided | Web | 2016-07-01T00:00:00 | Yes | Yes | Closed with explanation |
2019-01-30T00:00:00 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 44146 | null | Consent not provided | Web | 2019-01-30T00:00:00 | Yes | null | Closed with non-monetary relief |
2014-05-26T00:00:00 | Debt collection | Federal student loan | Communication tactics | Frequent or repeated calls | null | null | URS Holding, LLC | FL | 32244 | Servicemember | null | Web | 2014-05-26T00:00:00 | Yes | No | Closed with explanation |
End of preview. Expand in Data Studio
MUL_TEXT_CONSUMER_COMPLAINT
Part of MulTaBench, a benchmark for multimodal tabular learning.
- Target:
Company response to consumer - Rows: 100000
- Original source: https://www.kaggle.com/selener/consumer-complaint-database
Load the benchmark splits with multabench.load_split("MUL_TEXT_CONSUMER_COMPLAINT", fold=0).
| Column | Type |
|---|---|
| Date received | datetime |
| Product | categorical |
| Sub-product | categorical |
| Issue | string |
| Sub-issue | string |
| Consumer complaint narrative | string |
| Company public response | categorical |
| Company | string |
| State | categorical |
| ZIP code | string |
| Tags | categorical |
| Consumer consent provided? | categorical |
| Submitted via | categorical |
| Date sent to company | datetime |
| Timely response? | categorical |
| Consumer disputed? | categorical |
| Company response to consumer | string |
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