vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Several years ago I got a line of credit loan with Wachovia.They have since bin bought out by Wells Fargo.Years ago I applied to increase the amount.I was denied because my home does not rest on a permanent foundation.I did n't argue due to the change of regulations with the stock market crash.I have recently acquired about changing the amount again.I was told they could not prevent me from filling out the application but the result would be the same.I find it aggravating that I spent my life paying bills and maintaining a good credit score ; only to be judged by my house not being on a permanent foundation.I told them I felt I was being discriminated against.They replied it was about equity.My house has bin paid off for several years and is worth more than I am asking for.I believe this is a one size fits all policy and is not fair to the individual.

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 2017-03-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,

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 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was charged twice {$35.00} overdraft fee ... I believed I had opted out of this and do not want this service ... If the $ $ is not in the acct, the transaction should be rejected. 

Secondly, on the 1st overdraft, the bank held a {$1500.00} ach transfer from XXXX, which should have been in the acct. 

Third, the XXXX charge that created the next {$35.00} over draft should have been rejected. Not my issue the bank processed a payment they should have known better to process. This corrupt banking service is bleeding the American Consumer of Billions of dollars a year when they have the ability to rectify the accounting issues creating the timeliness of certain deposits/debits ... in reelationship to these " fees '' ... Legalized extortion is why the CFPB was created!!

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 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I borrowed a loan in XXXX for a year in college, the burden of the loan was too high and I withdrew from the program. They were unable to collect payments from me since I was not working then in XXXX I started XXXX and the loan was in collections or default, due to the aggressive collection efforts, I suffered from fear and XXXX and had to with draw from my program. I filed for bankruptcy but this loan will not go away and has affected my ability to get a job or move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I was XXXX and when I got out I went to check my balance on my card and I looked online and it said that someone had ordered a new card while I was XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX that they called the XXXX and they just said I was n't there which is it said that someone had ordered a new card while I was in XXXX and spent all the money off of the card I filed a dispute as soon as I found out I sent in proof of XXXX and they said that they did n't believe I was XXXX and they 're refusing to pay back the money they 're saying I thought they 'd think I was in the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Uptain Group, Inc.
State: AL

Complaint narrative:
i disputed a debt with XXXX for XXXX dollars and it was closed and removed from my credit in XX/XX/2016. I received a letter from uptain group. inc trying to collect on this debt again after it was removed from my credit. I contacted these people and they tell me they will report it on my credit again they do n't care what I say.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CFM Group
State: FL

Complaint narrative:
These people wont stop calling me or my family members, friends and work. They even harrass me on facebook. Telling me I 'm going to jail, they 're suing me etc. They call 100 times a day and night.They say that I 'll lose my home etc. This cc was my ex husbands from over 15 years ago and the bank says they charged it off years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hello, I have been a credit card member of Discover since XX/XX/XXXX. I just noticed that as far as I can go back ( about XX/XX/XXXX ) they have been charging me for a Payment Protection Fee which I never signed up for adding up to about {$2000.00}. 

I researched this matter and see there have been many complaints from customer who were also signed up for these fees without their consent and that the FDIC found Discover 's practices deceptive and there was a class action suit filed against Discover for this. 

I called Discover today with this complaint to cancel future charges and to request a full refund for the amounts charged without my consent. I was told they could only refund me about {$320.00} for the last 6 billing cycles. After requesting a Manager, he kept on with the same rule and added that they have recording of me opting in for this service and that they have done their " due diligence '' in making sure their customers know about this fee by putting it in the statement and sending communications by mail/email. I NEVER signed up for this service and when I requested to hear the recording of me agreeing to opt in to the Payment Protection plan, I was told they could n't share those recordings with their customers for " legal '' reasons. 

I 'm very disappointed and upset that a reputable institution would go about these tactics to seamlessly add small charges to customer credits cards which add up to their hard earned money over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed this account with Equifax. These bureaus continue to report an account on my credit report that is indeed not mine. See attached documentation. I submitted a dispute to the company and they sent the attached documentation that reflects the patients name. This account is not mine and therefore, it should not be reflected on my report. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was denied for a loan modification on XX/XX/XXXX due to a Negative NPV test. I really didnt know what this meant so i called Wells Fargo and they informed me that i could request the NPV results by faxing in a letter requesting the information as stated in the letter. I faxed the request on XX/XX/2017. On Thursday, XX/XX/2017 I spoke with a Representative who confirmed the request was received and the NPV results will be faxed over to me and to give them until Monday. On Tuesday XX/XX/2017 I spoke with a Representative, XXXX, who informed me that the request was not submitted and he would escalate this matter to the person assigned to my file and advised i call back within 24 hours. Today XX/XX/2017 when i called Wells Fargo and spoke with XXXX, she stated that they can not provide this information and because they use an outside source. I am now nearing the deadline and i still do not know why i have been denied and no one there will tell me. The only thing they tell me is that it was denied due to a negative NPV. What does that mean??? I am now going to miss the deadline to appeal because i still dont know why i am being denied.

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 2017-02-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting XXXX inaccurate items on my credit report and has refused to resolve the issues. 
First is a bankruptcy report that should have been removed 2 years ago when both XXXX and XXXX removed the reported information from my credit reports as the reporting requirment for this item had passed and no longer should appear on a credit report. 
Second Equifax is reporting a collection report that is not mine I am currently a XXXX XXXX member in good standing and do not have any collections against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX with XXXX and IRS. Received paperwork and was told to send to each credit reporting bureaus to have deleted from records which I did on XX/XX/XXXX. Received updated copies of credit reports from everyone except equifax. Received a letter from equifax with information on IRS still on letter and contacted them by phone. Was told I did n't ask for an updated copy of report and had to contact superior court in XXXX to get erased. The agent and supervisor were very rude and when sent me a copy of report, did not update information. I contacted superior court and was told normally the credit reporting agencies contact them directly for information but would send me the information at a charge. I got copies and sent to each credit reporting companies so everyone would same information on XX/XX/XXXX. Did not have a problem with the others but just wanted to make sure nothing came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I requested Equifax to verify a tax lien on my credit report. Case No. XXXX. I tried to verify this information with the court as well as the county auditor and was told that they do not verify information. Both the court and the auditor told me that Equifax received this information from a third party reporting agency. Because they are unable to verify the information, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
In XXXX XXXX Specialized Loan Services ( SLS ) assumed servicing of my mortgage Loan XXXX. Such time, SLS has misappropriated funds, charges misc. fees never explained, raised payments without justification, payments have not been posted to my account properly, I 've been reported to the credit bureaus for late payment when not late and most recent, they have increased my principal balance. For almost 4 years I have filed complaints like this, I 've spent over {$200.00} in certified mail communications to SLS and every week a new issue arises. This week, per a recent CPFB complaint filed, I received an accounting ledger from SLS from XXXX XXXX to present of their payment history which differs greatly from mine. XXXX documents are attached to this complaint along with a screen shot of my account on SLS 's site showing increase of principal. I provided their account ledger to my accountant who notified me that she can not make heads or tells of their accounting. She stated that it is so convoluted and there is no pattern to the way they apply and note funds. In addition, they never recorded my XXXX XXXX payment which was paid to SLS by Check # XXXX and cashed by SLS on XXXX/XXXX/XXXX. 
If someone from SLS does not contact me to review my account in full, line item by line item, within 30 days of the submission of this complaint, I will retain legal representation and SLS will reimburse for all costs involved in reclaiming my lost funds and correcting my account status.

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 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC
State: KS

Complaint narrative:
This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I made a payment of {$7400.00} to CitiBank on my credit card. They dated stamped my check. It was honored on second submission to my bank. The first submission was declined as a security matter by my bank. Citi charged me with a late payment, reduced my lines of credit, and has failed for 12 months to fix the problem, despite many phone inquiries.

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 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i

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