vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I have already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo debt scam. They stole money from me and want me to pay overdraft fee I don't have.

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 2018-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Creditor Name XXXX XXXX XXXX Original Creditor 12 SPEEDY CASH 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MT

Complaint narrative:
XXXX XXXX have not verified my information nor did they validate the date. I have NO contract with them whatsoever. still put on my credit report and refuse to verify any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Derogatories disputed and verified as accurate on Transunion XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  XXXX {$940.00} 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 explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
I took out some partnership loans when I was first out of high school to help assist with tuition and book expenses for college. I have five partnership loans that were opened in XX/XX/XXXX and XX/XX/XXXX. I never did finish college, however, I have been paying on my student loans for over 10 years. I have never been late on payments. I have five partnership loans that are all 8.4 % interest and most of the payments have been going to interest. I did file bankruptcy in XX/XX/XXXX, which I knew it would not discharge the student loan debt, so I continued to pay these loans. It has been enough time that my bankruptcy should be close to if not already removed from my credit reports. I have tried three times now to consolidate these five loans into one, so I am not getting robbed on all the interest. I understand interest needs to be paid, but I have been seeing not very much movement in over 10 years and I am just tired of it. I can afford the payment, that is not the problem. I am juts tired of paying over {$300.00} a month and only paying {$75.00} in principal payments. Every time I call in and talk to them and tell them I have been paying then for more than 10 years, I have shown I will pay, but they still will not consolidate these loans into one. It is very frustrating!

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 2018-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I closed on a HELOC with Santander last fall. It was a 30 year loan with a 20 year draw period and a ten year repayment period. I signed up for interest only payments for the draw period, with an eye towards locking the interest rate at some point. 

On XX/XX/XXXX, I called Santander to lock the interest rate on my HELOC. I spoke with a consumer lending supervisor out of Pennsylvania by the name of XXXX XXXX. 
XXXX explained to me that my interest rate would go up from 5.75 % to 5.94 %. I specifically asked him what my new payment would be and he estimated it at {$500.00} for 15 years. I asked him what the interest rate would be after that period. He said he was not sure and that we would cross that bridge down the road. 

Flash forward to XX/XX/XXXX. I am online looking at my accounts for another reason and I see that my next monthly payment has more than doubled. My payment in XX/XX/XXXX was {$460.00} and my payment for XX/XX/XXXXis {$1100.00}. 

I am surprised and call Santander to find out what happened. It is explained to me then that when the interest rate was locked, this automatically restructured the loan as a 15 year fixed interest rate loan. XXXX XXXX never explained this to me and, in fact, was seemingly unaware of this ( to think he knowingly misled me is ghastly to consider ). Recorded phone conversations will confirm my account. I also never received documents to sign or any correspondence from Santander regarding the rate lock and the terms. 

Conversations with Santander agents were less than helpful. I was told that research could take 5 business days or more and the resolution time beyond that varies. 
On XX/XX/XXXX, when I mentioned to a supervisor named XXXX that I would be submitting a CFPB complaint, I finally made some progress. XXXX called me back and told me she could reverse the rate lock on her screen ( why didn't the several other supervisors and agents that I spoke with realize this? ). XXXX told me that my terms would return to what they were before the rate lock ( which would be interest only payments during the draw period ). The caveat, she explained, was that my XX/XX/XXXX payment would still be {$1100.00}, which is significantly higher than the {$460.00} payments ( there and about ) I am used to. 

Given that the mistake was egregious ( a supervisor either willingly misled me or was grossly negligent in how he handled the rate lock conversation and, then, request ), I do not believe that I should be forced to make the {$110000.00} payment. I would like to have my XX/XX/XXXXpayment recalculated to be an interest only payment based on the original loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
On XX/XX/2018 my mortgage company ( Loancare ) reversed one year of mortgage payments and additional principle payments and showed my account as 12 months past due. My principle owed went up to where it was 12 months previously. After a month and 4 phone calls, they concluded my account was fixed. During this " resolution '' time period, the company did not honor my pre-set auto payment plan ( without notification to me ) and once again showed my account as past due and applied a late fee charge to my account. After 2 more phone calls and escalations, they accepted my payment and said they would wave my late fee. This was on XX/XX/XXXX and my account still show a due late fee. 

I have since called again as, after their modifications to my account, as my outstanding principle on my XXXX statement is HIGHER than what was on my XXXX statement prior to their incorrect activities on my account. I was told that my issue was being passed to another department and I would be notified of the status. No additional activities have taken place that I've been made aware of and my account still shows a higher principle balance owed in XXXX ( {$210000.00} ) than it did in XXXX ( {$210000.00} ), despite never missing a payment AND applying additional principle payments. 

I submitted a request via email to their customer service department ( I wanted to document the communication ) requesting a fix to my account and a description of the activities they have performed so that I can feel comfortable that my mortgage has been correctly handled. I have followed up 3 additional times and have yet to hear anything at all from my original request despite automated acknowledgement of receipt of my communication. 

I am not confident that Loancare is handling my loan properly and that all the payments I've made since loan origination have been applied to my account. I also want to be sure that I was not charged additional interest due to the missteps of Loancare.

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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am trying to close my PayPal account associated with email XXXX. 
When I submitted complaint XXXX PayPal responded that I have an outstanding balance of {$380.00}. 

However, when reviewing my account balance there is no evidence available to me that demonstrates I have an outstanding balance of {$380.00}. PayPal may prove with an itemized account statement the outstanding balance PayPal is referring to. 

When trying to review transactions these are not available, please review enclosed video. There is no evidence that I owe money to PayPal. 

I also request that PayPal to provide a toll free number for calling PayPal customer service outside the United States. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: NY

Complaint narrative:
Please remove the following fraudulent inquires from my TransUnion credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC
State: FL

Complaint narrative:
I have been trying with Lender 360 mortgage, but I am behind so they will not accept partial payments only full payments with prearranges included also. since XX/XX/2016 they called me every two weeks to remind that they newer a debit collector and gave the new behind payment amount. Consumer law says they are on the lead of this to stop sale but the same questions of payments and intent of property are first and not take a payment. Now three weeks later we are still doing a hard ship letter again with same reasons but further explained as if the circumstances have changed much. But I have now got bad credit with giving up on credit score to keep home and now two weeks to sale I don't believe they have or even care of the impact this will have on my psychological state I have no other recourse due to college students [ children ] need expensiveness and garnishment for child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union To Whom It May Concern, I sent a letter to you disputing 6 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
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 explanation
Consumer complaint received 2018-05-17 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: OH

Complaint narrative:
I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TX

Complaint narrative:
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.

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 2018-05-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE XXXX CARD AND I REPORTED THIS TO CHASE XXXX BACK WHEN IT HAPPEN AND THEY DID NOTHING TO HELP ME.. I WILL LIST THE CHARGES ; XX/XX/XXXX TIMESHARE XXXX XXXX-XXXX OLD CARD ENDING XXXXXX/XX/XXXX TIMESHARE XXXX XXXX OLD CARD ENDING XXXX XX/XX/XXXX TIMESHARE XXXX-XXXX OLD CARD ENDING XXXX PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME.. THIS IS SENIOR CITIZEN ABUSE, AND ITS SAD THAT THEY DONT BACK THERE CLIENTS..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello, I have had worst and bad experiences with Westlake Financials and the used car dealer worst companies ever, In XX/XX/XXXX of last year illegally they repo my car from a private parking, at XXXX XXXX XXXX XXXX where Local securities and police intercepted, and i have had the agent from Westlake on line informing the towing company to drop the vehicle but i was informed once hooked they will need to drive away by the police and the Westlake agent " a ripe off artist '' informed not to worry was an error car will return the same morning, but never did and ended up in a repo yard forced entry messing with private and personal belonging, damadged the car estimates close to 2500 , they did not allow me to pick up the car only after the weekend when i needed to pick up the car only following Monday with damages, i immediately informed the yard and the police before pick up, Police informed i need to file a small claims court which i did since the tow company damaged my car, i have brought to a repair shop and got myself an estimate, but lost for a fabricated or fraudulent document indicating that i have signed and received the car with no damages, the yard informed me to sue them they don't care, i lost the case Judge informing that it was an expensive lesson to learn, now since then i call to pay off the car they do not return my calls i have had a balance of XXXX XXXX the legal rep of westlake financial the biggest lier " XXXX XXXX '' i think ever i have seen promised that as soon as he returns to his office will adjust the pay off and remove the fees and authorize the payments to be collected, ever since they do not return my calls been 6 months until i have called 10 times in a single day, now they tell me it's XXXX with recurring interest, now they tell me they have charged off the vehicle in XX/XX/XXXX and massively damaged my credit report, i need your assistance to deal with these fraudulent act and rip off charges, I am not able to settle and cant get my Title, contacted DMV investigation no help, contacted others but no help each department informs to contact the other

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian To Whom It May Concern, I sent a letter to you disputing 4 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
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 explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday. 
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.

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