vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on 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 non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2017 I letting my bank know that I travel to XXXX and I will used my Debit/ATM and my Visa Platinum and they conform that ok however after using my debit card 3 time my bank stop my card for two week to the time I can used it I call them they ask me to fax my info the picture of my driving id and my card and my ticket I did that but they want me to sand one more time bcuz I my signature was on all the XXXX paper I fax I fax one more time they ask me I did XXXX XXXX time and never have my card on to work I have to ask people for money I ask to my brother the family of my wife I need the money for my wedding on XX/XX/XXXX in XXXX but I cant get no money that time I have to ask my wife family to take the bus so they give me money I have to ask for money to call and the bank people was hard to talk to same of them they not nice to help you after 15 days they have my card work I call in XXXX and I have to pay {$28.00} for my XXXX {$40.00} money to fax {$100.00} money to go to the city 4 time to fax my paper its was the time I am on my honeymoon but I have to go to look for office to fax them all the time I have money in my bank but I cant take any and I cant go where I want to go with my wife my time was so sad and bad its hard to have place to used Visa only Cash my wife give her necklace to same one to get same money to get to XXXX {$500.00} then we pay after two weeks {$520.00} but its not the money its in the same day we have the wedding she have to do that to get the Cash we need its the sad thing about it people who work there they not nice to talk to I do n't know its my name are they have bad day

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a checking account with Wells Fargo Bank and my bank account was assessed by the NC Dept of Revenue for XX/XX/2014 taxes. I worked out a payment plan with the NC Dept of Revenue for $ XXXX/month and I was waiting for the remainder of my money to be credited back to my account to find out Wells Fargo charges a {$120.00} fee when your account has a lien or hold placed against it. This is grossly unfair because all I had in the account was {$120.00} and now my account is - {$4.00} in the negative. I 'm between jobs and struggling financially and have asked can they credit it back to my account and they 're telling me it 's their policy. This is a grossly unfair policy.

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 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has yet to send a hard copy of my credit report to my current address.

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 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2007 WELLS FARGO BANK.N.A. Committed loan fraud. 
XX/XX/2007 Wells Fargo sent crafted uniformed instrument documents to sign - exhibit- A as a security agreement endorsable for funds. 
Wells Fargo clearly makes a statement that a loan was made, this is false. 
Wells Fargo does n't and has not shown any accurate records according GAAP where the said loan came from after repeated inquiries. 
Wells Fargo has cleverly crafted the reading to make you believe that a loan was made to you. The wording usually goes like this in the beginning of the contract : " In return for a loan that I have received, '' I promise to pay .... 
Wells Fargo brought nothing to the table as collator for a loan. Wells Fargo even required XXXX Dollars just to get the loan papers brought me to sign, which I paid. 
Then Wells Fargo took the created a securitized note with my signature and stole it to XXXX or Stole it as a derivative on the stock market. Either way Wells Fargo did make a loan but made copies of a securitized promissory notes and has a past practices of selling them as toxic loans to other investors.

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 2017-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: MS

Complaint narrative:
Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens bank allowed my bank account to continuously overdraft for weeks adding up to {$1000.00} in overdraft fees and return payments. When I spoke to a supervisor, He said the best he could do was refund me XXXX @ {$35.00} fee. When I asked for corporate numbers, he refused. I have had this account for 15 years and now Its overdrawn {$800.00} due to their {$1000.00} in fees. I will be seeking legal council but I hope someone will reach out and address this issue before having to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We opened a secured credit line with Wells Fargo for our business for {$2000.00}. After a year, they declined to move it off a secured line. We chose to close the card because there 's no point in keeping a secured line if they refuse to graduate it to unsecured, it 's just a debit card with cash you ca n't withdraw at that point. On closing it, we were offered the choice between depositing the cash into our business checking, or having a cashier 's check mailed. We chose to have it deposited to our checking account and were told it would take 7-10 business days. 11 business days later, we still do n't have our money. I returned to the branch and the same reps that closed it tell me their credit team put it in to be mailed to us as a cashiers check, and that it will take 30-45 calendar days. They offered no reasoning for why they switched methods, and no restitution for the fact that we will now be going up to an extra 21 days without our money.

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 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A medical bill was transferred to this company after the doctors office filed it incorrectly. I started making payments in good faith while I fought with the insurance company over the payment of the bill. Upon the successful discussion with the insurance company, I was notified that the insurance company paid the bill in full. On XX/XX/2017 I spoke with Transworld and it was requested that I send the notification ( EOB ) from the insurance by fax. I sent it at XXXX that day. I called back on XX/XX/2017 and was told the faxed document had been received and I would be contacted on XX/XX/2017 and told the status of my refund of the payments that I had made up to this time. I never received a call back. I called again the morning of XX/XX/2017 and was told that they had no record of me or my account. I called back again and was told the fax had not been transferred to the needed department and they asked if they could call me back in a couple of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i disputed inquiries with Transuion to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Transuion several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 2017-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
-Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notification in writing, or by email, or by phone regarding investigation was ever sent to me. No communication from Barclaycard regarding dispute -Contacted customer service again. Barclaycard claimed they had notified me in writing to say the dispute was ended. They ( conveniently ) had nothing to show that they had contacted me. No record of a letter sent to me. No email. No recording of a phone call. 
-They did not contact me. 
-I therefore called customer service regarding the most recent bill, with the disputed amount added back on, with no explanation -Customer service told me to pay the amount not in dispute and that I would not be charged interest on amount still in dispute -Next bill arrives : they have charged interest and a late fee. 
-I contact them via social media, because there is no other way to get Barclaycard to respond other than by shaming them in public. Barclay card social media XXXX emails me with a phone number to call. 
-Someone from Barclaycard US calls me, due to my contacting Barclaycard XXXX . Claims they resolved the dispute in their favor, and sent me a letter about it. Again, she has no record of this letter, no record of any email or contact with me regarding the dispute. 
-Says she will look into it further and email me the next day -She does not contact me, the next day or ever -They are continuing to charge me interest. Needless to say, I have stopped using this card and will be closing this account and ending all further business with Barclaycard. 
In the meantime, they are trying to grab more money from me over this dispute which they continue to neglect to investigate, charging me interest and late fees. 
-I will be hiring a lawyer. The only thing these people at Barclay US respond to is forcible legal action or bad press.

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 2017-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
By XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which held a 2nd Against our home, had gone out of business. Four for years ( since XX/XX/XXXX ), not a single legal entity contacted my for payment for this the 2nd lien ; thereby surpassing the four year statute of limitations as defined by California State Law ( California Code of Civil Procedure 312-366 ). To wit, the 2nd Lien Held by XXXX XXXX XXXX XXXX is mute as it was never collected upon during that four year period after the company went bankrupt due to many of the company executives being found guilty of embezzlement and perjury in Federal Court ( see the attached documents for a complete explanation ).

Company response to consumer: Closed with explanation