vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2018 around XXXX XXXX I called quicken loans to make a full mortgage payment over the phone on the last day of my grace period due to unforeseen circumstances. I was advised by two quicken loans managers that they could not process my payment in full today because we were paying from 2 separate XXXX XXXX accounts. I was told that quicken loans had to split the payments and process one today and one tomorrow. In doing so that scenario would automatically generated a XXXX dollar late fee because one of the payments would now get posted past my grace period because of the way their payment process system is set up. That is not my problem! and I shouldn't be penalized for your payment system or IT department not being able to figure out how to process different types of payments to the same account on the same day. And the worst part is having the audacity in charging me a XXXX dollar late fee due to your limited customer service payment processing shortfalls I'm demanding a refund. I felt i was being gouged scammed into fees that were designed to pad your companies bottom line, The question is how many other innocent borrowers that didn't speak out that have also been taken advantage of by your so called split payment system. 
XXXX Dollars times Ten million borrowers let 's say makes a nice profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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:
inaccurate information on credit please correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
inaccurate information on credit please correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am currently in the stages of disputing 2 ATM transactions- third party ATM. The 1at incident the ATM machine went into collaboration a phase and no monies dispensed i waited and tried it again I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCFs customer service number and was told the transaction should fall of as it is in pending status. The transaction did not fall of and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated TCF is investigating this dispute and you will hear from us by XX/XX/XXXX. A few weeks after opening the dispute I had the same issue. I called TCF and this time even while the transaction was in Pending status the representative opened a dispute. FIRST fact 2 identical issues 2 different processes. 
On XX/XX/XXXX I called for an update on my 2nd dispute. I have not received any communication nor have I received a credit. I am not rich and depend on my money to survive. On XX/XX/XXXX around XXXX central I spoke to a representative in the customer service department who called the dispute team and told me on a recorded line ( TCF pulled the actual call and confirmed their own representative said that ) you will receive your provisional credit today and if you do not call us back. I have not received the credit and called at around XXXX central time and was told that I will not be receiving anything and the prior representative provided me inaccurate information. Not one team lead would escalate not one had any compassion nor any remorse for the actions of their own wrong doing. I could not find a corporate phone number or a corporate email for an escalation / office of the president. Please tell me which honorable, customer based, loyal, company would not provide this information to the public or have it listed on the web? 
What made me write this review is that today the initial provisional credit has been deducted making my account negative that exact amount. I called the customer service number and was informed that a letter was mailed on XX/XX/XXXX but wait I was on the phone with several representatives XX/XX/XXXX no one advised me of any such finding. Letter from TCF dated XX/XX/XXXX, envelope stamped XX/XX/XXXX, and received at the USPS XX/XX/XXXX. I have the proof in my hands. 
I forewarn other hardworking individuals to avoid TCF at all costs- this is not a legit financial institution. This bank discriminates against customers and has no skills to work with the public or be trusted with money. You have been warned- watch out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Im trying to avoid foreclosure. I've tried to do a loan modification on my home but Penny Mac wont open it up or even review it. Now I would like to do a short sale. I just really want to avoid foreclosure. but I feel like lender wont give me a chance for either option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/18 Wellsfargo Bank unfairly revoked my debit card after filing claims for non received merchandise from merchants transactions without ANY warning This is defamation & slander. I demand IMMEDIATE reinstatement of card ending in XXXX, or if not possible issuance of new card.

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 2018-12-18 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: CA

Complaint narrative:
Again I come to you, because the agencies are not help me with this even after I applied all my documents and reports. Please review this information again. over the last two years I have been fighting the banks and credit agencies for fraud information on my account. I am still fight them on these issue. Here attached is a copy of my original report. The accounts are charged off and sold to credit collection agencies now. 

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since XXXX. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all three credit reporting agency and alert was placed on all my credit reports with all 3 agencies. I complained to each lender and as of this day I file this report back in XXXX until this day I have gotten any resolution and all those accounts are still open in my name and are chargeoff on my credit which is very damaging at this point after 30 years in the military and coming up on retirement now. There was never a resolution to this matter. None of the company can provide me with any evidence that I ever signed for anything with my original signature. I have my military location an time these report and credit was established. I have disputed with creditors and the bureau 's take this information down. I submitted the attachment back in XXXX to your board and nothing ever happen at the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
My account was charged XXXX on XX/XX/2018 by XXXX. 
I contacted XXXX on Saturday XX/XX/XXXX and was told the money would be back in my account on Monday XX/XX/XXXX. 
I called XXXX 3 times on Monday, I was finally told I had to contact Mastercard to dispute the charge. 
I havent gotten any kind of help or response from XXXX to resolve the issue. 
Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/18 I had {$21.00} in my account after my {$10.00} and {$7.00} transactions cleared I had {$3.00}. I then had a payment for {$82.00} come out of my account. this should have put me negative {$78.00} however regions changed the timeline of the transactions to make it so that I would over drawn multiple times and receive multiple fee 's. they made the {$82.00} transaction come out first even though it was the last transaction made that day resulting in me receiving over {$100.00} in overdraft fee 's. I am a XXXX XXXX with medical issues and feel completely taken advantage of. this is literally making it so I can not get my children groceries. when I asked regions for information on how to submit a complaint I was told I would be transferred to the department however was transferred back into the automated voice system. I want the fee 's refunded asap.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a business account with Bank of America and there was some fraud on the account outside of my control. My account was closed without an explanation and it put great financial difficulty on my business.

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 2018-12-18 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 requested that Bank of America correct my credit file to something other than a payment status of 120 PAST DUE. Evidently they feel that because the loan was transferred while past due, that it should be designated as past due forever by them even though the loan was brought current with the new loan. The loan was transferred in XX/XX/2015, yet they refuse remove a status that shows a current derogatory on my files with XXXX  and 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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: OR

Complaint narrative:
I NEVER had an XXXX XXXX Account ending in XXXX. I do NOT owe XXXX XXXX any money. The Account Balance is XXXX. XXXX XXXX has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that XXXX XXXX has sent after me. I wrote to XXXX XXXX XXXX, explained that XXXX XXXX Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

XXXX XXXX just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.

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 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX. I called and said I wanted to voluntarily surrender my car due to high repair expenses and high payment, and moving out of state and car would not make the trip.i was sent a form to fill out and send back, did that 2 weeks later was told they couldnt except that form and had to do another ( no explaination as why ) filled out second one and mailed back. 2 weeks later was told couldnt except that one, filled out another and faxed back, finally excepted. Told them car had to be picked up by XX/XX/XXXX as house sold and was closing date, I had already left for a different state. XX/XX/XXXX was called by realtor told car was still there buyer wouldnt close if car wasnt moved, had friend go get and take to his house. Explained car could be picked up any day after 5. Kept getting calls saying they couldnt pick up they refused to listen to instructions, it seems as if they were trying to stall, they then sent me a notification they were repossessing the car and went right away and grabbed it without the keys, they now listed on my credit report as repossessed and just called a few days ago asking for keys, can explain better with more space, it was a long drawn out process with many many phone calls. I also wanted to turn it in because Wells Fargo kept adding amounts to my monthly payment and I could never get an explanation, Id pay my payment and the next month Id owe a 100 more than payment and this went on until I was notified if my past due balance wasnt paid they would take action, my experience with Wells Fargo has been a serious nightmare

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 2018-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX  to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: American First Finance, Inc.
State: IL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a  fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Contacted all 3 credit bureaus by phone ; I notified them of the wrong addresses and inquires reporting on my credit report. The representative changed my address but couldn't change one because a business was listed under the address ( not my business or my address ). She corrected the addresses she could but stated I would have to contact each individual business who placed a inquiry on my report. This is a lot of work for something I did not authorize. I have place fraud alert on my report so this will not happen in the further.

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 2018-12-18 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
Wednesday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX * I have more calls coming from this Debt Collector that keeps calling and harassing me on a regular basis. I had asked him to stop and he continues to call me and harass me with attitude about a debt collection I owe. He is now contacting my family without consent and just wont stop after I had asked to stop. His name is XXXX/ XXXX . When you call back it goes straight to him. This is a scam and I would like it to stop. The harassing is getting to be too much for me especially that Im pregnant and dont need the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I rented a car and paid with my credit card. Merchant lied to my face at the desk, saying a certain insurance was required by Nevada law and would not allow me to rent car without purchasing. After it became apparent that was a lie, merchant ( and Citi ) say I signed the paperwork so any prior fraud is not relevant. I disagree, as fraud is not a contractual remedy and the contact is in fact invalid if induced by fraud. Citi refuses to even engage on this premise and just keeps sending me the same stock letter with a scan of the rental agreement ignoring the entire premise of my dispute.

In one letter, Citi even endorses the bad behavior of the merchant and says " discerning the merchant 's integrity '' is my problem and not something they deal with. I disagree - one of the main premises of a credit card is that you are protected from fraud and improper behavior of the merchant. It is gross that Citi endorses this behavior to such an extent that they even refuse to get a response from the merchant that is applicable to the dispute.

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