vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, MD XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states SYNCB/TJX DC. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is Syncb/tjx Dc XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is SYNCBXXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is SyncbXXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, PA XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, DE XXXX and the phone number is ( XXXX ) 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 2018-05-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for XXXX the date of the inquiry states XX/XX/XXXX and the institution 's information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX  XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX  XXXX and the phone number is ( XXXX ) 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 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I applied and received a XXXX Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted XXXX to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called XXXX back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because XXXX has been reporting me late every month. How can this be when they take the money automatically each month. I called XXXX that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called XXXX again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.

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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I borrowed money from XXXX XXXX XXXX  several times. Always I have paid my loan faithfully and diligently. I even pay extra each payment to try to pay down the principal sooner. This time I a struggling to make the payments due to loss of income. I reached out to them but because I have not defaulted they would not offer me any assistance with this. They said because I have paid my payments they can't help unless I have a returned payment. This seems contrary to what any reputable agency would advise. Why not help someone when they are trying to not default or cause an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XXXX XXXX contacted me via XXXX XXXX XXXX XXXX , XXXX XXXX XXXX with a threat to get a judgement against me for a collection debt. Although I had no other communication previous to this, I contacted the agency to make arrangements to pay the debt. This was accepted by the XXXX XXXX via the attorney and the payment made in XX/XX/2018. To date, the company has failed to notify the credit bureaus that the account no longer has a balance. I disputed the item with the credit bureaus and XXXX XXXX continued to deny the account was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have parent plus loans consolidated from XXXX XXXX XXXX in XXXX XXXX, WI and XXXX XXXX University combined for my XXXX children. When my daughter graduated from XXXX all loans were consolidated into one loan making a huge monthly payment. I have been on an income based repayment plan since 2015. The beginning principal balance of the loan on XX/XX/2015 was {$200000.00}. I have made every monthly payment requirement since then and my loan balance has done nothing but increase due to capitalized interest every year. The current balance is now {$230000.00}. As long as I live, I will never be able to repay this loan. Navient has put me in an unfair, impossible situation I will never recover from. My income will never be enough to support this payment schedule. Navient has told me that as long as I pay for the next 25 years, the loan will be forgiven. I am a parent who decided to help my children and now I will be financially burdened until I am XXXX years old! I do not want foreberance or deferrment, I am willing to pay this debt just not under these impossible terms ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX called my spouse on XX/XX/XXXX about my Walmart Credit Card debt. He disclosed how much I owed and this person is not an authorized person on my account. I feel this is illegal and my information should not be shared. 

The numbet he called from 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 2018-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loans [ QL - Rocket Mortgage ] XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX / XXXX XXXX XXXX QL refuses to refund my {$500.00} on their failure to deliver a VA loan as promised. 

XX/XX/XXXX XXXX XXXX advised he could provide me with a VA Loan for {$280000.00} at 4.375 %, for {$1700.00} per month. I specifically quoted : On that basis, lets go ahead with an application for a Loan. 

I sent {$500.00} for Earnest funds, submitted all necessary docs, with my XXXX XXXX XXXX XXXX. 

On the phone XX/XX/XXXX XXXX acknowledged he originally began a VA Loan as I requested. However, afterwards someone else at QL changed it to a Conventional Loan.

Prior to Closing I noticed that over {$10000.00} was proposed for PMI. I notified QL and demanded the PMI be removed. QL replied that the PMI would remain because the loan was processed as a Conventional Loan, not a VA Loan. Additionally, the Loan was only for {$270000.00}, including {$10000.00} of PMI, w/pmts {$1900.00}.

I had never been told of this change so the QL caller advised he would have QL review all recordings to verify my claim and find out where QL failed to advise me, and report back to me with the findings. 

I waited 7 weeks for the review of recordings, but never recd another word from QL during that period. They were obviously embarrassed. On XX/XX/XXXX I sent a msg to XXXX inbox asking the current status of the Promised review. 

On XX/XX/XXXX I filed a complaint with the Federal Trade Commission ( # XXXX ) because no answer was forthcoming. 

On XX/XX/XXXX XXXX XXXX called ( see above earlier paragraph ) On XX/XX/XXXX XXXX XXXX acknowledged he found there had been some conversation with XXXX about a VA Loan but it was not definitive. He admitted no one had ever discussed a Conventional Loan with me, He apologized that I had not noticed until the week of the Closing. 

In my opinion, Quicken Loans does not have the customers interest in mind. They unilaterally do as they deem is best for them and ignore the facts, even when the recordings prove otherwise. 

-- -- -- -- - I've given up trying to buy the house. But since the loan was not delivered as promised, it is reasonable to get my {$500.00} deposit back. Who do I contact to make them do so?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 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: TN

Complaint narrative:
Multiple transactions being charged for overdraft fees on XX/XX/XXXX due to a payment and deposit being pulled at the same time. Deposit was under {$100.00} and should have posted overnight. It was held until the debit had posted and until the overdraft fee was processed, then I was charged a second since my deposit was not enough to cover the first fee. Records on my end indicate that money was available prior to two overdraft fees of totaling {$72.00} being posted. After overdraft fees were posted available account balance was - {$59.00}. On XX/XX/XXXX two more overdraft fees posted during my direct deposited paycheck. Had the transaction in question posted with my paycheck there would have been no problem. Funds were held and processed all at the same time, but in an order that would post a negative balance to my account of - {$1.00} prior to my paycheck posting. Called bank and they stated they will hold funds and charge fees based on transactions, not based on the actual balance of the account. So out of the four overdraft fees posted, according to their policy I would get charged {$36.00} for overdrafting, then another {$36.00} because another transaction was moving through the account, regardless if it was a credit or debit. I have no problem with this bank prior and have been a customer for over 6 years. Money was in the account, however the order that they decided to post the transactions caused it to go over so they could milk overdraft fees from 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 monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX vehicle was Repossessed with out a right to cure letter. XX/XX/XXXX spoke to a representative over the phone advises to pay online witch was a balance of {$1700.00} witch was what was showing ( screen shot was taken ). When looking at bank statement they charged {$2000.00} witch was not aurhorized. When calling back they said they dont know how it happend and dont want to credit back the difference.

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 2018-05-18 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: OH

Complaint narrative:
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment on my credit card of {$1100.00} to pay off the balance on my credit card. On XX/XX/XXXX another payment was withdrawn from my checking account for that same amount showing a second payment of {$1100.00}. When I noticed the error I called Union Bank about a double payment made on the credit card. I requested the extra payment of {$1100.00} be deposited to my checking account, also held with Union Bank, from which the payment was made. Instead, the customer service representative insisted it was too late to reverse the payment to my checking account and a check must be mailed. A check was never received at either of the two addresses provided and it is now XX/XX/XXXX. I have made a series of at least three phone calls to Union Bank and I keep getting nowhere. Union Bank representatives keep resending the checks, but I have never received any of the checks allegedly sent. I again suggested the amount simply be directly deposited into my checking account, which is also with Union Bank, but Union Bank refuses to do so.

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have tried several different external apps like XXXX and XXXX  to combine my scattered finances into one place. Capital One makes it incredibly difficult for me to share *my* information with these trusted companies in order to help me manage my money, including paying my bill on time!

It would be very easy for them to connect with other services like XXXX - I know this because it was only recently that this problem started. Having to go to fifteen different website to pay fifteen different bills is difficult, especially for the disabled like myself.

If Capital One wants to make sure that those they lend to pay back their loans on time? They should make it *easier* by working with these companies, not more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened an account in wellsfargo XX/XX/XXXX and with out I knowing they did have me unroll me in a called XXXX XXXX XXXX XXXX I did signed for that but on XX/XX/XXXX I had an accident that stoped me from working social security give the benefits on XX/XX/XXXX in XXXX XXXX I couldn't work so I did have a place to stay so I end up in XXXX with my family I started the XXXX in XXXX XXXX. Few months ago wellsfargo send me a latter about this benefits would end soon then I knew about this benefits and that wellsfargo has been taken money from my account paying for a service I didn't know about charges or the benefits they told me that's if I get to be in XXXX they may help me. I talked to them about my health issues then they said it would work for me sinse im in XXXX I applied for the benefits but now they wanted a letter from doctor in XXXX XXXX I sent them my papers from social security that states im in XXXX sinse XX/XX/XXXX they asked for the first time I talked to them but now they wanted a letter from my doctor here in XXXX I'm a XXXX something year old lady who this bank wellsfargo is trying to take advantage of

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 2018-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
The situation is rather simple. I am attempting to sync my credit card account with the online service " XXXX   '' ( budgeting software plus a few other features ). The creditor has blocked access to said service due to " security reasons ''. The account, and the information associated with it, is mine to decide who to trust or not trust. I have the right to access my own financial information as I see fit.

Company response to consumer: Closed with explanation