vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I contacted fed loans in regards rehabilitate my student loans. I was informed that they transferred to department of education over 6 months ago. I contacted department of educate and they advised they do not have any record of the loans being transferred and that fed loans has my student loans. I contacted fed loans again and talked to a representative who advised me the loans were stuck in the system while being transferred and they do not have a timeframe for the transfer to be complete. I am trying to solve this matter but I am not able to due to fed loan and department of education not knowing where my loans are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank offer the XXXX payment service to its customers, which allows direct transfers to 3rd parties. The " limits '' stated on their website for the XXXX service indicate there is a daily transfer limit of {$5000.00} and a {$10000.00} limit in any rolling 30 days. I requested a {$5000.00} transfer to a party on XX/XX/XXXX at about XXXX XXXX PST. I had no previous transfers in the previous 30 days, so the {$10000.00} limit was not triggered. I tried on XXXX. XXXX  to make another transfer in the amount of {$3900.00}, but got a prompt indicating I could not do so as I had reached the " daily '' limit. I contacted Ally Bank and was told that a " day '' is 24 hours from the prior exchange. On XX/XX/XXXX, I tried again to make a transfer of {$3900.00}, and again got the " daily '' limit prompt, indicating I could not make the transfer. I contacted Ally Bank again on XX/XX/XXXX and this time was told the initial {$5000.00} transfer would not clear XXXX systems until Monday, XX/XX/XXXX, and I would not be able to make a transfer until then. This means the " limit '' language on Ally 's site is false and misleading. A " day '' is apparently defined as a week. Customers are misled and falsely believe they have the ability to make a daily transfer up to {$5000.00} with the option to make another option the following day, so long as the {$5000.00} daily limit is not reached and so long as the rolling 30 day {$10000.00} limit is not reached.

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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: MN

Complaint narrative:
I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
I contacted Amsher on XX/XX/2020 ; to notified them the balance of my debt was incorrect on my credit report. The outstanding balance on this account was {$300.00}. They are reporting {$700.00}. They informed me that there was {$390.00} of interest on my account. This totals out to be 56.19 % of interest. I believe they are in volition of the Military Lending Act. I am an XXXX XXXX service member and under that Law I can not be charged a rate of grater than 36 %. I would like the negative credit reporting removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have checked my credit report with XXXX, XXXX, and XXXX  and discovered a fraudulent account in my credit report. I am a victim of identity theft, and Bank of America account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from XXXX  reporting agency that Bank of America is reinserted back to my credit report.

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 2020-01-15 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: VA

Complaint narrative:
I placed a dispute on a purchase on XX/XX/22 about a credit card purchase made where the product was not delivered, on XX/XX/22. I purchased an account for a virtual game service on XX/XX/22, and have no access to the account as of this day. I have not received the product that I paid for and have not been able to correspond with the company. I would like this to be remedied and get my money back. 

I can provide evidence of being unable to log in, but I have not gotten anything from them about how to correct this issue.

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 2020-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX, I started a VA streamline refinance with Freedom Mortgage. I was originally told it would take only a few weeks to close the VA refinance. The last communication I received was from their contractor that performs the title work, who said everything was good to go around XX/XX/XXXX. Since that time, there has been zero communication from Freedom Mortgage. I have reached out and spoken with my customer advocate multiple time since XX/XX/XXXX and his response is that he doesn't know what is going on with the account or what is taking so long every time I speak to him. My interest lock-in agreement expired on XX/XX/XXXX. It's been two months since this whole process has been started.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.

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 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: CA

Complaint narrative:
XX/XX/XXXX On XX/XX/XXXX, I received my results from dispute 's I started on the telephone I started a new investigation to dispute the account on my credit report, to a XXXX balance, and would receive results of the investigation online in my email. I got my mail on XX/XX/XXXX and received my results from my investigation, which was supposed to be emailed to me, stating there is a balance due, in collection, and will be removed on XX/XX/XXXX, from XXXX  XXXX   XXXX  for {$1400.00} ; XXXX XXXX XXXX  XXXX XXXX for a charge off of {$1800.00} and will be removed on XX/XX/XXXX ; XXXX XXXX XXXX  for a charge off of {$1100.00} and will be removed XX/XX/XXXX and XXXX XXXX XXXX for a charge off of {$5300.00} and will be removed on 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 2020-01-15 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:
I have a joint mortgage with this institution with my ex-husband. The dwelling has been transferred to solely me since XXXX as it was decreed in the final divorce agreement. My ex husband filed bankruptcy, but I was in no way involved with his bankruptcy claim and am currently ( and  have been ) paying on the debt that he defaulted on so have not been able to refinance. Every time I contact my bank, for any reason, I have to be transferred to the bankruptcy department, which always takes an inept amount of time and I never filed bankruptcy. I have to explain it every time I call the bank. On XX/XX/XXXX, I spoke to a representative named XXXX who said I could go through the Assumptions department and get my ex-husband 's name removed from the loan, so I was transferred to XXXX XXXX in the assumptions department. She explained that his name could be removed and gave me a list of estimated fees that would be associated with it, that totaled nearly XXXX. I asked for a written estimate detailing all of these fees, to which she stated she could not provide it, she could send me an email with " what to expect '' in the loan process, but that was the only thing she could provide in writing to me. She stated that none of the parameters of the loan would change, the interest rate, date that payment is due, etc. would change, the only change would be that his name would be removed from the loan, and the fees would be an out of pocket expense for me. I think this is an extremely unfair business practice, as I am already paying the debt he defaulted on, have not missed a payment on the mortgage and have remained in good standing with the bank throughout the entire process. I don't think that a written estimate is an outlandish request, and think that it is ridiculous to request almost XXXX to remove a name from a loan when the dwelling is not listed in his name anymore and has not been since 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 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2020-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have repeatedly been harrassed by ProCollect in XXXX, Texas for an amount that they say I owe for an apartment. I have been sent to collections for an amount due for XX/XX/XXXX. I have not lived there since XXXX and have tried contacting them in XX/XX/XXXX to fix this issue but the agent refused to communicate with me and answer my questions. I believe they are using false information against me.This collections account is seriously affecting my credit and they are being negligible in the way they are handling it by not providing me with a notice or settlement option.

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
National Credit Adjuster keeps calling my place of employment after being requested not to. They keep harassing me on my job. They called from XXXX over 10 times and always leave a return call back number of XXXX. This is the same company that lost a lawsuit in the past but yet they continue with their unethical practices and do not honor the cease to desist orders to stop calling the place of employment, personal references, church members, and family members. They refuse to honor consumers ' rights. They call the place of employment everyday at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

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 2020-01-15 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
RECENT AND STILL UNRESOLVED COMPLAINT/CLAIM NUMBER XXXX I received a call from XXXX XXXX, Executive Resolution Specialist, Wells Fargo Auto, Office of the President, XXXX XXXX, XXXX, TX, XXXX, phone, XXXX, fax, XXXX, on or about the time I filed the complaint, ( XXXX ). He promised he would work with me and subsequently sent me a fraud package which I have been waiting for for over ( 2 ) years since I first bought the matter of " Fraud '' and " Identiy Theft '' of my personal details back in XXXX. I received the fraud packet with a letter dated XX/XX/XXXX from Wells Fargo, Office of the President requesting I send my supporting documentation, including verification of my address at the time of the fraud etc., by XX/XX/XXXX, which I did via fax to XXXX. I sent ( 42 ) pages as I had done before in XXXX. I phone Wells Fargo Dealership Office of the President on XXXX on XX/XX/XXXX at XXXX to confirm safe receipt of my fax and spoke with XXXX who informed me the matter with your organization had in fact been closed and XXXX XXXX, was no longer handling the matter which in no way resembles the company 's response to my complaint with you, the CFPB. It clearly states the company Wells Fargo needs more time to look and research the matter but that is a lie and they have closed the case and XXXX confirmed there were no notes on the account of safe receipt of the ( 42 ) page fax I sent them on XX/XX/XXXX as XX/XX/XXXX was a XXXX. I have a confirmation the fax was sent and received. This is exactly what Wells Fargo has done in the past, the person I or my  attorney was dealing with suddenly is no longer working on the case which confirms why it's taken over ( 2 ) years to resolve. This is their MO and has been for some time, including the blatant lack of transparency and purposefully breaking US Consumer Law/s. They are not pursuing the matter and gave false information to the CFPB as to their motives and what they clearly stated in their letter to me on XX/XX/XXXX. They lied and have been misleading me for years and now your organization as well.

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 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
I received a letter dated XX/XX/XXXX that says I was past due on a pay day loan taken out on XX/XX/XXXX. The letter stated that {$1800.00} was outstanding and due. My husband passed away last summer and therefore neither he nor I took out this loan. I called ACE Cash Express and they explained that this loan was taken out online. I called again with my brother the next day and they refused to provide any information about the loan including where the money was actually sent. My brother informed them that the call was being recorded and they still refused to provide any information.

Company response to consumer: Closed with explanation