vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
After having my wages paid into a different account, US Bank kept honoring automatic transactions for which there were no funds in the account to cover. To add insult to injury they have, as of todays date XX/XX/XXXX, levied over {$180.00} worth of overdraft fees on my account. I am currently on the phone for the second time in less than an hour to their customer service number, XXXX XXXX XXXX, the first time having been hung up on by one of their associates. I am now speaking to XXXX, XXXX ID XXXX, who has said she has no supervisors available to speak to me and who has refused to reverse the fees. I am asking you to ask US Bank to waive the entirety of those fees immediately.

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 2018-08-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XX/XX/XXXX regarding old incorrect addresses on my credit report with Experian they dont remove them. I tried to file another dispute over the addresses and it said i couldnt dispute because a creditor told them this address was correct.

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 2018-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2018, I received a mortgage statement, total payment requested was {$9600.00}. In an attempt to bring my mortgage current, on XX/XX/2018, I sent by XXXX to Wells Fargo N.A. a check in the amount of {$11000.00}. The check was received by Wells Fargo on XX/XX/2018 at XXXX XXXX and was signed by XXXX XXXX. There was no communication from Wells Fargo N.A. after the cashiers check was sent. Today, XX/XX/2018, Wells Fargo returned the check for {$11000.00} to me by XXXX   with a letter stating that they would not accept the payment. The letter simply stated that Wells Fargo N.A. apologized for the inconvenience. 
On today, XX/XX/2018, I made an attempt to contact Wells Fargo by phone. When I explained the situation, the person stated she would have to transfer me to someone else. I stayed on the line but no one ever picked up the phone to speak to me. This has been a recurring situation with Wells Fargo N.A. They have consistently been difficult to transact business with. I did not apply for the loan with Wells Fargo, N.A. My original mortgage company was XXXX XXXX XXXX. Wells Fargo, N.A. brought the loan from XXXX. It has been a nightmare every since. I am a veteran and concerned about becoming homeless due to the practices of Wells Fargo, N.A.

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX of nationstar has not responded to any of the letter sent from XX/XX/2013 to now. 
I have repeatedly call this company wrote this company and they have failed to keep accurate records. This servicer nationstar is committing fraud and they are using a cloak to cover themselves. After reporting to CFPB. CFPB stated that, " the corporation responded '' But, the corporation did not respond. The nationtar corporation sent a response saying they would respond by a certain date and did not. 
Its a shame how this corporation have destroyed lives, off lies and fraud. when this corperation was paid in full and still act as if they wasn't paid. Even when reporting this to company 's like CFPB it is still sweeped under the rug as if the complaint isn't worth hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: PA

Complaint narrative:
I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

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 2018-08-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted investigation requests to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

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 2018-08-08 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: MI

Complaint narrative:
On XX/XX/2017 I received a hard inquiry from XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX  XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX : Mortgage Loan Payments for the month XX/XX/XXXX were sent XX/XX/XXXX : received a call from Flagstar Bank that I didn't pay XX/XX/XXXX payment XX/XX/XXXX : 20 mins  later received a call that XX/XX/XXXX payment was received but they applied it as a Payment for XX/XX/XXXX ( which was made in the beginning of XX/XX/XXXX ). I made it clear to them that no one should be calling me or my wife before the 15-day grace period. Per the representative, it was notated that it wont happen again. 
XX/XX/XXXX : My wife & I are still receiving calls that we have to make XX/XX/XXXX and XX/XX/XXXX payment since yesterday even though I explained them the XX/XX/XXXX payment will be within the grace period for them to understand that its a XX/XX/XXXX Payment.

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 2018-08-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from CHASE, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from CHASE in connection with this request ( as I already have one and do not desire anymore at this current time. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent in a dispute letter to Experian that was received by them on,XX/XX/XXXX. Got an update regarding my bankruptcy stating That the date was verified, and it remains on my report. I called Experian today on XX/XX/XXXX and  spoke to XXXX, Experian employee, explained to him that the dates were wrong. He said they were accurate from the third party that they use, could not give me the third party information, or who he spoke to. Said its a lot of companies they pull information from, asked him for all the numbers, said he does not know the numbers. Dont think its right that they verify information from anyone and not able to tell me who they got it from so I may call them and speak to them regarding the wrong date on my bankruptcy. Please advise this happens all the time.

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 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
XXXX XXXX XXXX is trying to file motions in the XXXX County Circuit Court against me and my co-signer for this loan. They have filed misleading and false documents to put this in the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear CFPB I submitted a short sale to my lender which they informed me if sent 14 days before the foreclosure sale date, they would review but there are telling me now they can not review. Attached is my fax confirmation with proof of my short sale submission

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 2018-08-08 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: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX of 2017 I received a hard inquiry from XXXX XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request.

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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
The company Load Depot ( XXXX ) XXXX https : //www.loandepot.com calls me continuously all day long, at least 4-5 times a day from various numbers that include area codes XXXX, and other parts of the country. When I block a number, they generate a new one. I have blocked and blocked and yet they still call. I have not called them back because I do not have an account with them and have never done business with them and do not want to give them any more information than they already have, which is my cell phone that is supposed to be on the do not call list. It's a robo-call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am a victim of identity theft and this account was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
On XX/XX/XXXX. of 2017 I received a hard inquiry from FNB OMAHA, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from FHB OMAHA in connection with this request.

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 2018-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Your choices of " best describe '' does not cover my issue. I have made an application for a new HELOC with WELLS FARGO BANK where i have been a loyal customer for 40 years. When I made the application, I asked specifically for a full appraisal so that I could obtain the largest line available. They paid no attention to this request ; simply obtained a value and told me what they could do without a full appraisal. ( very much what they have been guilty of in that THEY decide what you need/want without listening ) In addition and most importantly they send me my credit score monthly which last month was XXXX yet the score they use when THEY want to lend me money is XXXX - five points below the score that gives me the best rate! Why do they TELL me that I am an excellent credit risk and that I have the BEST score - UNTIL they want to loan me money and charge me a higher rate! I'm sure there is some fine print somewhere that exonerates them from this practice, but as a consumer when you send me my score and then use another score to charge me a higher rate it seems " bait and switch '' tactics! I don't need this line. I have plenty of assets and I will be moving my relationships and tell everyone about this! I felt this agency should know - little has changes with WELLS FARGO! My banker did the best she could against the big bank that calls the shots!

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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} interest

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Sir I wish to complain about my escrow account from XXXX and XXXX which was reported from Wells Fargo a {$7200.00} shortage. 
When I first learned of this issue this year, I immediately contacted Wells Fargo on XX/XX/XXXX, and was told that they would start investigating my escrow account from the past two years. I paid last years shortage, but when this year was short as well a red flag went up. However, now we are approaching XX/XX/XXXX with no progress resolving the issue. My mortgage has a {$500.00} increase with the new calculation from Wells Fargo. I am looking forward to your assistance in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union did an unauthorized transfer payment from my checking account with them to my installment account that I have with them also in the amount of roughly XXXX. The installment account was not 30 days past due. And I did not authorized any type of transfer to be make from my checking account. The bank processing this unauthorized transfer resulted in me having to pay returned check fees and other fees due to me writing a check expecting those funds to be in the account. But they were not because Navy Federal Credit Union processed that unauthorized payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have numerous disputes on this card, I have taken it as far as their Executive offices and had no help. Because of the number of disputes where I have been charged double for hotel stays. Once on the online booking sites and once at the hotel where I paid my bill.

I am now trying to reconcile this but it is very difficult as I have about 4 different account numbers due to them cancelling my cards numerous times. My credit score has dropped from XXXX to less than 600. I have spent hours trying to reconcile these charges and will continue until this is fixed. 

As the result of your previous investigations got me nowhere and they are saying I owe them the money. I will reconcile this account and then pay only what I owe. If Chase continue this they can take me to court. I've had ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
Accelerated Financial is reporting that I have an outstanding collection balance with their organization for {$1600.00}. I have informed them, and provided proof, that I resolved this balance with the original creditor back in XXXX of 2018 ; but they refuse to correct the account on my credit report. I am uploading a copy of my final resolution sheet from the original creditor, showing the account was settled, and I have no outstanding balance.

Company response to consumer: Closed with explanation