vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The company, Wells Fargo, keeps failing to send me my monthly statements to make a payment. This is something I have brought up to their customer service department. The only statements I receive are the ones that charge me late fees ( when the payment is obviously part due ). 

I have informed them that I'm not getting the statements at all and have failed again and again to rectify this issue. So far I have had to pay 3 late fees of {$28.00} each for this issue. When I have spoken to their customer service representatives, they check my address and tell me that everything is fine. So far, they have failed to send me a bill at least 3 times.

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 2018-07-17 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: CA

Complaint narrative:
I was pre qualified for a XXXX XXXX XXXX  card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called XXXX XXXX and told them I was not happy about this and to cancel my application and remove the hard 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 2018-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX Pacific Union Financial approved a short sale on Mr. and XXXX XXXX home located at : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Our home has been foreclosed on aftera Short Sale had been approved prior to Foreclosure XXXX XX/XX/XXXX for short sale price agreed upon by Pacific Union innthe amount {$390.00}, XXXX. 

I have attached the Short Sale Agreed approved by our mortgage company Pacific Union Financial on XXXX/XXXX/XXXX and the Trustee Deed upon Sale. 

Paragraph from Pacific Union Financial Short Sale Agreement XX/XX/XXXX Pre-Foreclosure Sale / Short Sale / Compromise Sale Arms-Length Transaction Addendum Loan Number : XXXX As relates to a certain real estate purchase contract dated concerning the following mortgaged premises ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Under which the existing mortgagee ( s ) has agreed to accept less than full payoff of the debt owed inexchange for release of the mortgaged premises ( a pre-foreclosure sale, short sale, or compromise sale, referred to herein as pre-foreclosure sale ), each of the signatories hereto hereby certify and affirmunder penalty of perjury, that to the best of their knowledge and belief ; '' I am filing a compliant against Pacific Union Financial because the mortgage company never provided any correspondence other than the Short Sale Agreement and approval for our home to be short sold in the amount {$380.00}, XXXX. 

I have never received any correspondence that the short sale had being withdrawn nor denied by Pacific Union Financial. The Short Sale agreement was approval on XXXX, however the foreclosure sale occured after the short sale had been approved on XX/XX/XXXX for the short sale agreed price. I was never provided written notice from the realtor, the attorney nor pacific union prior to the  short sale.

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 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I just tried to link my Capital One 360 debit card to my XXXX account to use their service called " Pay with XXXX ''. However, when trying to link my Capital One account using my Capital One credentials I got a message stating " Capital One is blocking you from enabling external applications ''. This is something that I didn't have issue with when I had my XXXX XXXX XXXXXXXX account. Capital One shouldn't be blocking this as many people out there utilize 3rd party services which allow them to keep track of their finances, help in paying off debt, budgeting, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Back in XXXX I had an issue with a freeze on out in my report years ago. I could not remember the code to unlock it so I had to fax my drivers license and a utility bill. After 8 faxes I finally was told the freeze would be lifted and the XXXX XXXX removed. Now I call to ask why they have items over 7 to 12 years old still on my report and they tell me there is a freeze on my account. Apparently they never updated the account and only preserved the first fax that they say was unclear. This. Implant is so incompetent that they couldnt even generate security questions. I had the same issue with XXXX and XXXX  and it was no problem to generate security questions. I cant get an auto kaon because of the freeze and Transunion does not do anything they say. They LIE! 
I have no utilities in my name. They are in my moms name.

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 2018-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I signed a contract for a used car loan on XX/XX/XXXX, before leaving the dealership I asked if the deal was closed, both the managers and financial manager said yes. I left thinking everything was great. I get a call XX/XX/XXXX that the loan was not approved and I need to return the car. I contacted the bank and theyre telling me that the dealer is not accepting their terms. I asked the dealer and theyre said that the bank did not accept their terms. I have reason to believe that the dealer is pulling a yo-yo scam on me. Please help. That car is my only means of transportation for school and work and I can not just return it, especially since I signed a previous contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NC

Complaint narrative:
On different occasions i called Experian, because there is always something random appearing on my credit report, that i did not authorize and when i try to resolve the issue i get transferred from call to call spending hours on the phone without anything being resolved. 

i had a hard inquiry i did not make which appeared as XXXX on XX/XX/2018, once i was aware of that hard inquiry i immediately notified experian to let them know i did not make such inquiry, i talked to different people even a supervisor and was told Experian does not dispute and remove unauthorized hard Inquiries because it factual information. this called took place back in XX/XX/2018 and still nothing has been removed. i talk to XXXX  back in XX/XX/2018 and they said they will contact Experian and nothing has been removed yet.

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 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I signed up for a payday loan, and whereas most agencies charge a reasonable fee, even for long-term payday loans. SpeedyCash is charging me {$1300.00} for a {$390.00} loan! According to the paperwork that's 634,88 % ... Isn't that a tad bit obscene? Most agencies charge like {$50.00} at the most for finance charge, even for longer term loans. Isn't that {$1300.00} just a tad bit excessive????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: FL

Complaint narrative:
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. These inquires need to be deleted from my credit reports as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX These inquires need to be deleted from my credit reports as soon as possible BECAUSE I DID NOT authorize them

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 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SEND THE COP TO MY HOME THREAT TO TAKE ME TO COURT.TRING TO SUE ME FOR A CREDIT CARD THAT I NEVER HAD.SOME ONE ELS OPEN A CREDIT CARD IN MY NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
Theres a collection on my credit report, the balance was paid in full by me to XXXX  office and was an insurance mistake, Im requesting this derogatory mark to be deleted asap because it wasn't my fault. I got a copy of receipt of the amount that was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Reviewing my credit card charges for the last few months I found a number of charges for " Experian Credit Report '' -- including two in one day for {$19.00}. Like many of the complaints about Experian indicated, it is VERY difficult to reach a human being ; clearly this is intentional because there is no option in the automated system to be connected with anyone. Doesn't this violate some regulation?? 

After finally reaching a person, it appears that when I put a freeze on our credit reporting account some months ago after a widely reported data breach involving one of the credit reporting agencies, we started to be billed for a " Premium Membership '' for {$19.00} for myself and the same charge for my wife. The man I finally connected with on the phone read a long list of services that go along with the " premium membership. '' As I told him, there is no way I intentionally signed up for ANY membership that would carry a monthly fee of ANY amount. 

He agreed to take off the most recent charges but said I had to fax in a letter to dispute past charges. I have submitted that letter by fax fo 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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC 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 non-monetary relief
Consumer complaint received 2018-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I filed a dispute with Experian concerning a collections account from XXXX XXXX XXXX ACCT XXXX. The company did not look into the collection and update as necessary. I have informed them during the dispute that I have received a letter from XXXX XXXX XXXX, on behalf of XXXX XXXX. I have provided them with a letter indicating the new collection agency. Experian has not done an investigation into the account, as I have received the results Tuesday morning, which shows that the problem has not been fixed.

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 2018-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ceannate
State: UT

Complaint narrative:
I have a debt with XXXX XXXX  XXXX XXXXXXXX. The company handling the debt is FMS XXXX. I am trying to establish written dialog with the company but they have refused to communicate via mail. I asked via mail, early XXXX, to send information on a loan rehabilitation program. I sent two more in XXXX. Every time I sent certified mail. The third time I expressly wrote on the document to communicate via mail. In all responses, I only received a typed notice with .... " If FMS has a phone number on file, we will attempt to contact you .... '' Is this something I can rebut and expect them to contact me via paper mail? It feels exploitative and hostile. Am I wrong? I have been working long term with single parenthood, homelessness, psychological repair, and other, I feel, unfair challenges. FMS seems to have only found me because I tried to work out a plan through an attorney and then contacted me after I couldn't afford the attorney anymore. I feel they got my information because I was trying to work out my debts? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted the currency to be kept in USD but instead it was changed to XXXX Dollars. I was told that the currency would be kept the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I processed two payments through outside merchants. One in the amount of {$220.00} with XXXX XXXX and one in the amount of {$72.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {$300.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Garcadia Financial LLC
State: OK

Complaint narrative:
On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. 
XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. 
XXXX stated on the call at least once that we could do both the deferment and modification. 
I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. 

On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. 

On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/2018 I spoke with XXXX XXXXXXXX XXXX and resolved that an account they was reporting on my credit report was not mine XXXX XXXX XXXX concluded in there investigation the account was opened fruadulantly and removed there account from my credit reports, I contacted XXXX XXXX as directed by XXXX XXXX XXXX and the phone receptionist assured me the account listed by them would be deleted within 72hours and still they're reporting negative inaccurate data on my credit report causing me to be denied credit and employment in my field of work, I sent direct dispute letters with no response. XXXX XXXX is knowingly and willfully reporting inaccurate incorrect information about this account that does not belong to me. The account reporting is incorrect in their files according to the receptionist it doesn't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The debt is from my sister 's education loan from XXXX ( now owned by wells fargo ). I am the cosigner. 
The loan was issued in XX/XX/XXXX and in repayment since XX/XX/XXXX. Its monthly payment has a due date on XXXX  of each month with a grace period of 10 days. 
However, since the beginning of XX/XX/XXXX wells fargo started contacting me, harassing me by phone and mail, demanding payment as soon as the XXXX of the month. 
The last harassing call I got was in XX/XX/XXXX, after I told them to stop or I would report them. 
The collection letters keep arriving in the mail. I am attaching the last one from XX/XX/XXXX. 
Since XX/XX/XXXX no monthly payment has been missed and made within the grace period. 
The loan is 2/3 paid.

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 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX  continues to call me regarding my daughters debt. I am not an authorized user on that account.

They are harassaing me, calling multiple times a week. They have all of my daughters information, no need to contact me. They are also threatning and state that she needs to find legal advice.

Company response to consumer: Closed with explanation