vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, My current property was in the process of foreclosure with Wells Fargo Bank, ( WFB ).  XXXX XXXX ( Real Estate Agent ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) approached me to bring the WFB Loan current by paying the arrears of XXXX. In lieu, of this transaction, XXXX and XXXX XXXX requested the title of my property for collateral. Hence, during this transaction of the title transfer, XXXX and XXXX XXXX, were in agreement to remove my name from the WFB Loan and the Home Association. Since XX/XX/XXXX, I have paid XXXX and XXXX XXXX {$1800.00} to make payment to WFB. I contacted WFB, and they notified me that this was transaction was a prohibited title transfer and predatory lending by this institution. I made the bank aware that this was a transaction made by a California licensed real estate agent. WFB, educated me on the kind of loan that was attached to the property. Conventional Loans are not ever able to be transferred to another title without the bank approving ; in addition, a conventional loan CAN NOT be assumed if the loan is over 30 years, if the loan is transferred without the entire loan being assumed or if the conventional loan was transferred to someone else other than a immediate family member. I contacted both XXXX and XXXX XXXX and made them aware of this prohibited title transfer. I explained to both, what WFB explained to me and how this was a fraudulent transaction per WFB. WFB has demanded that the title be transferred back, or the entire loan be assumed before the foreclosure process. WFB, also explained to me that if I make the home mortgage, the property will continue to foreclosed if the title is NOT transferred back. In addition, to rectify this I agreed to give both XXXX and XXXX XXXX the {$20000.00} that was paid to WFB. They rejected that proposal, and stated that they were not going to comply with what the WFB had requested and expressed to me that they have done this prohibited title transfer with 4 other properties with no repercussions. I have obtained from the XXXX XXXX Fictitious Business records portal the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX OWNERS NAME ( S ) :  XXXX XXXX XXXX AND XXXX XXXX, CERTIFICATE NUMBER XXXX, A GENERAL PARTNERSHIP, FBN FILING EXPIRED XX/XX/XXXX. 
In retaliation, XXXX XXXX XXXX and XXXX XXXX have now filed an Unlawful Detainer Action against me in the XXXX XXXX XXXX Superior Court, Case No. XXXX. 

NOTE : ON THE OPTIONS GIVEN, IN REGARDS TO THE WFB LOAN, NONE ARE APPLICABLE BUT I HAVE CHOSEN ( CO-SIGNER ) TO PROCEED WITH THE COMPLETION OF THE COMPLAINT.

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 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NJ

Complaint narrative:
Three subsidized loans are causing my credit report to show 15 late payments when there should be only five late payments. All subsidized loans have been combined in the past to make up sum of loan debt, not separate loan debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE DISPUTED THE FOLLOWING WITH XXXX  : REPORT # XXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY EQUIFAX CREDIT REPORT & MY XXXX/XXXX CREDIT REPORT. 
**XXXX UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : XXXX  XXXX XXXX  XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I filled, in person, a job application to work with XXXX XXXX XXXX XXXX, base at XXXX XXXX XXXX XXXX XXXX, IN XXXX, at the XXXX XXXX in XXXX  Florida. I consented for a background check. A week later, I received a letter from First Advantage XXXX XXXX XXXX XXXX XXXX, iN XXXX. In their Letter they said I have a criminal record dating to XX/XX/XXXX that I was sentence to a XXXX XXXX XXXX. Letter was dated XX/XX/XXXX the date after I applied.I have never been arrested, never been in trouble with the authorities And never been on XXXX. This record is false, I dont know what is the purpose of this, or the meaning. If this is a tactic utilized by XXXX XXXX XXXX XXXX to denigned employment shame on them this need to stop. I need your help because I dont want them to forward erroneous information to my future employer.

I contacted them, ( First Advantage ) they couldnt give me any information of who gave them this information or why or what was in the report. All he was interested was getting my social security. I assumed that XXXX XXXX XXXX XXXX, provided them with this information.I was told to contact The XXXX  Court System. I went in person to get a copy of my criminal record they couldnt find anything not civil, no criminal, no probation, nothing. there wasnt any record. When I showed them the letter send by First Advantage, I was informed that this letter is a fake, fraud, the case number mentioned in the letter is non existent thats not the format use by the court systems. Im very concern, upset and confused by the way the private information I gave XXXX XXXX XXXX  was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX  inquiry on my credit report to determine who authorized the inquiry.

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 2018-04-05 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: AES/PHEAA
State: FL

Complaint narrative:
My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. 






See : Kentucky Court of Appeals Case 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 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This complaint about XXXX cobranded credit card issued by XXXX XXXX. The payment is due by XXXX XXXX EST on the due date and there is no way to pay before XXXX and NOT incur a late fee. General practices for financial institutions is to effective date payments received after the cutoff time to the benefit of the customer. But this bank does not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation inaccurate sent ftc and po report to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. 

Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated as paid in full. I am requesting to please remove from the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: MB FINANCIAL, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired on XX/XX//18 and I noticed an unauthorized inquiry had been made. I contacted mb Financial, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into mb Financial inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Premium Credit Bureau
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Innovis
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Return Transactions Tran Type Check Check Balance Information : Month/Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Balance {$0.00} {$0.00} {$1000.00} Check Number Amount Return Reason Account Closed Account Closed where is my retuned check?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2018 a company requested my SSN for credit check. I refused and did not provide my SSN. The inquiry appeared on my credit report regardless and I disputed it with Equifax. I checked today the status of the investigation and it says completed however I was not notified of the result and the inquiry is still not removed Investigation reference is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: CA

Complaint narrative:
I spoke with XXXX XXXX when the account was originally delinquent, then closed over 7 or 8 years ago I believe. The reason that I am not sure of the date is because I thought it was resolved until another collection company popped up, then another, and another, then the account was somehow reopened. I paid them and had closed out the account so I was confused by this. Now they have another collection agency saying it open and under 2 years old which is absurd and ruining my credit on equifax, which always has a problem with their website when I try to dispute, I requested forms which I never got, none of the other agencies report this. It is killing my credit.

Company response to consumer: Closed with explanation