vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
XX/XX/XXXX payment made. Company credited account for bill on XX/XX/XXXX. Credit for payment was revoked on XX/XX/XXXX. I was not notified of this. Charged NSF check fee by lender on same day. Late fee was added to payment two days later. Company contacted me on XX/XX/XXXX to tell me payment was late and my credit score would take a hit if I didnt pay it. 

Lender advertised same day ACH payment services. When I contacted the lender, I was originally told it was due to my account at the bank being insufficient. After explaining that I work at the bank and offering to show statements, I was told that they could open a ticket to reverse part of the fee, but that I would receive no help on the other portion. Transferred to manager after 15 minute hold. Manager agreed to open a ticket to return a larger portion of the fees, but Im still docked the other portion. 

Company uses XXXX XXXX to process ACH payments and it can take up to 12 business days to receive credit for payments. I asked how I could make my payment and it post in a reasonable amount of time. Payment can be made through POS system with clerk for {$10.00} convenience fee, or online for a {$2.00} convenience fee. This would not be waived either. 

Im still being charged two fees, one to make my payment so that they will not take negative action against my credit, the other for a late fee because the service isnt as advertised. 

Fee structure, payment options, payment processing delays, and lack of communication to consumers seems intentionally deceptive and abusive. The only way to know your bill is paid is to pay a fee. The free method can result in over {$40.00} of charges ( which is greater than 20 % of my note ) due to a processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I called XXXX XXXX XXXX to make a mortgage payment around XXXX/XXXX/XXXX. They informed me that my mortgage was sold to Carrington Mortgage on XXXX/XXXX/XXXX. Carrington never called me. I called Carrington on XXXX between these dates to get information to make a payment. They told me that they were going to mail me paperwork. I received their paperwork on XXXX/XXXX/XXXX. Thank goodness I made a payment on XXXX/XXXX/XXXX through their automated phone system because I was concerned I would n't get their mail before the 30 day period. I called Carrington again today XXXX/XXXX/XXXX because I noticed they did n't report to any credit agencies of their mortgage acquisition. They told me they ca n't report until 60 days because of the RESPA laws. I asked them to provide me information about this and they said they could n't and that I should just research the RESPA law. My credit score has been negatively impacted because of insufficient  information being reported to the credit agency. Please help me get Carrington to  report to all credit agencies regarding my on time XXXX payment by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: TN

Complaint narrative:
Yes my middle initial is incorrect with TransUnion, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with TransUnion. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.

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 2017-11-28 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. 
This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. 

I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. 

Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Nelnet, Inc.
State: VA

Complaint narrative:
nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.

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 2017-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
open escrow on XXXX-17 this was a 20 day escrow I paid for appraisal and inspection, seller got termite and hoa inspection done purchased home warranty. On friday XX/XX/XXXX at XXXX I was told I didnt have a loan and I loss the house because I was not fully qualified. I also gave notice to my apartment to be out by XX/XX/XXXX. I had put gas and electricity in my name already as I was told too, purchased a home insurance as well. 

I signed disclosures of rate, had rate locked, amount of all expenses to buy house

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am disputing the following ; Account Name : XXXX XXXX XXXX XXXX Account Number : Account # XXXX Dispute Reason : Balance Amount is Inaccurate Dispute Reason : Past Due Balance Amount is Inaccurate Correction Is : Balance and Past Due Amount = {$0.00} Dispute Reason : This account was sold to 2 different collection agencies. The above account was sold to two different collection agencies ; therefore, there is no balance amount owed to XXXX XXXX XXXX XXXX ( See Attachment ) XXXX XXXX XXXX  XXXX sold the account ; therefore, there is no Past Due balance or Current Balance owed to XXXX XXXX XXXX. The FCRA states that 100 % accurate information must be reported on my credit file ; therefore, due to the inaccurate information this account must be removed from my credit file immediately. The 3 credit bureaus are stating that XXXX XXXX XXXX is verifying that the account balance and past due balances are accurate which is impossible. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX ( See attachment ). 

XXXX XXXX XXXX CAN NOT Verify or Update a debt that they no longer own and sold twice to two different collection agencies. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX I have exhausted means to settle this debt with XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX is currently in  violation of the Federal Debt Collection Act and I demand this account be removed immediately from all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, CapitalOne sent me a text message that is suspicious transaction about my card ending in XXXX. 
" Hi, it 's Capital One. Di you just spend {$640.00} at XXXX XXXX XXXX w/ card ending in XXXX? Text CONFORM if yes or DENY if no. Std carrier chrges apply '' I replied " DENY '' Then, I got confirmation text message from them. 
" Got it. We 're stopping all purchases on your card. Sign in to start your fraud claim now : XXXX XXXX XXXX XXXX  carrier chrges apply '' So, I thought that problem was resolved because Capital One detected the fraud and stopped it. 
On Posted transaction of capitalone oneline, it shows a transaction {$640.00} at XX/XX/XXXX and a transaction - {$640.00} at XX/XX/XXXX. 
So, I thought that is good. 
But, later, I got a mail to say that I should pay {$640.00} because CapitalOne found no indications of fraud. 
And I checked my XXXX account, there shows a XXXX  Tracking XXXX which delivered something to XXXX XXXX, NJ and signed by XXXX ( I have no idea who it is ). 
I tried to contact CapitalOne about this fraud problem. But, there is no message or email on their website. And, when making phone call, I waited long time and they just keep transfering my call to another person without resolving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I pulled my Equifax credit report and noticed several ( 37 ) unauthorized credit inquiries on the Equifax report and ( 21 ) on the XXXX report. I mailed a multiple inquiry removal letter to both agencies the following day requesting that the inquiries be removed as I did not authorize them. On XX/XX/XXXX, I received a generic letter from both Equifax and XXXX basically stating what inquiries are and what they contain..They failed to remove the inquiries which is why I have decided to file this complaint. I am fully aware of my consumer rights and have every right to dispute inaccurate and unauthorized information on my credit. Please investigate this as quickly as possible as these inquiries are preventing me from obtaining credit with new creditors. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RGS Financial, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc
State: WA

Complaint narrative:
I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.

Company response to consumer: Closed with explanation