vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had opened a retail credit card to pay for an engagement ring on XXXX XXXX  XXXX. I doing so, I put money down and was under the impression that there was no interest within the first 12 months, as long as I paid it off. They stayed true with that. What I thought was sly and misleading was the fact that after those 12 months, they didn't charge the regular interest rate on the remaining balance. No, instead, they charged the regular interest rate on what the FULL AMOUNT the ring cost me. I was {$1000.00} shy come the day of the interest charge ( XX/XX/XXXX ). I got married 2 days after that charge ( XX/XX/XXXX ). I didn't notice the charge until I got home on XX/XX/XXXX, which is when I was going to make the final payment, or so I thought. I expected some interest, because I saw the notification that interest would be charged, but I did not realize it would be based off full amount of the item. If I had known that, I would have scraped every dollar possible to avoid that from happening ( on top of wedding payments ). With that said, I paid {$1000.00}, and called to speak with Wells Fargo. After talking to FOUR different people, hung up on ... TWICE, and on hold for a total of 45-60 minutes, I finally was able to speak to the correct person about the issue. I explained the situation and told him I didn't expect to take away all the interest, just not the amount that would have been charged to the remaining {$1000.00}. All he could say is " I can't do that ''. He was no help. So I tweeted about it. They responded and asked me to DM, I explained it to them. They gave me a Case #. This was 2 weeks ago. They told me the person that was handling the case would reach out to me. They also said the case would be resolved come XX/XX/XXXX. I have not heard ANYTHING from them about the case or anyone, for that matter, from Wells Fargo since that call on two weeks ago. Considering I am likely going to get charged interest again soon on the {$1400.00} that they charged me, I need this resolved 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 2020-01-21 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: NC

Complaint narrative:
On XX/XX/XXXX-2020 a method of verification letters were sent to both XXXX   and Transunion. XXXX has failed to even respond and Transunion replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.

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 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was sent invoices in the mail from JCpenny 's. In 2019, I had a roommate who had stolen my information and had opened lines of credit. I don't know which one, as it was 2 and both parties denied it, but I did file police report, etc. For our household, we all had copies of the mailbox key, front door key, etc. As of now they no longer live in my home due to this however, it was going on for months and I had no clue regarding it. This is one of those accounts. I did not open this account and with respect, would never. Not for a few hundred dollars when I have credit cards with large limits.

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 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: SC

Complaint narrative:
I am an XXXX XXXX military member ( XXXX XXXX ), I entered XXXX XXXX in XX/XX/XXXX and am currently stationed at XXXX XXXX XXXX in South Carolina. 

I was in need of furniture for my apartment and visited XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, SC XXXX - XXXX ) in XX/XX/XXXX. I worked with a female sales associate at the store. During our time together, she asked about my profession and I verbally told her that I was in the XXXX XXXX. After selecting my new furniture, the sales associate set me up on a computer at the store to apply for financing. On this online application, it also asked about employment, monthly income and the pay schedule. On the application I documented that I was in the XXXX XXXX and received pay on the XXXX and XXXX. 

On XXXX XX/XX/XXXX, I was approved for a loan of {$2800.00} with an APR of 145.09 %. The furniture was delivered to my home on XXXX XX/XX/XXXX and my first payment ( {$180.00} ) was paid on XXXX XX/XX/XXXX. My payment schedule is {$180.00} twice a month. The loan is through American First Finance Inc ( XXXX XXXX XXXX, XXXX, TX XXXX - XXXX ). 

After purchasing the furniture, my supervisor reviewed the contract with me. It was then that I realized the severity of the 145.09 % interest rate. Including the finance charge ( {$5900.00} ) and the amount financed ( {$2800.00} ), the total amount of payments is  {$8700.00}. 

My supervisor referred me to work with a Financial Counselor at the XXXX and XXXX XXXX XXXX on base. She informed me of the violation of the Military Lending Act by American First Finance Inc. The approved APR should not have been above 36 % because I am an XXXX XXXX military member. I informed both XXXX XXXX and American First Finance Inc of my status as an XXXX XXXX member. 

I have submitted a written letter of notification to American First Finance Inc of this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX  XXXX  - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
XX/XX/2019 I filed a dispute online today in reference of a wrong credit report to 3 credit reporting Companies by Specialized Loan Servicing LLC SLS I relation to my mortgage No. XXXX reported to your Company as paid in XX/XX/2019 when in fact it was paid by wire transfer from the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. The wire in the amount of {$100000.00} as listed in the written payoff demand submitted on XX/XX/2019 by SLS Mortgage. A dispute ensued between SLS and XXXX over a small amount due on insurance ; finally SLS agreed to accept the settlement and sent a statement with XXXX balance due on XX/XX/2019 ( see copy attached ) SLS reported the mortgage unpaid for XXXX, XXXX XXXX and XX/XX/2019 although they received the total settlement funds on XX/XX/2019 and this has been impacting my credit score on my credit report. The mortgage was paid on XX/XX/2019 and the past due mortgage reports for XXXX, XXXX, XXXX and XX/XX/2019 must be deleted and my credit score restored to the same number it was before SLS negative reporting. Supporting documents from XXXX are available for review ; several letters to SLS mortgage requesting revision on the credit reports remain as of today unanswered. Please advise, 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 2020-01-21 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Chex systems have me in their system as having some form of misconduct. I've never bound a check in my life. 

I have tried calling them with no success, they simply won't pick up. I've faxed them, email them and sent a letter US Postal service, they have been totally unresponsive.

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 2020-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot did not follow closing documents. 
Date Issued XX/XX/2020 Loan Closing XX/XX/2020 Disbursement Date XX/XX/2020 Check received to borrower XX/XX/2020 At closing with a notary the closing disclosure it shows money to borrower {$20000.00} but I received a check today for {$19000.00}. This was after the mandatory 3 days on which to cancel. I would have cancelled if I had known that Loan Depot would do this, but they do this after it is impossible to cancel, very poor company. When I called Loan Depot was given all sorts of excuses about credits, etc. Loan Depot is very hard to obtain customer service, previously with XXXX and they respond immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: MN

Complaint narrative:
Premier Student Loan Center ( PSLC ) contacted me stating they could reduce my student loan because they had an agreement with the United States Department of Education Fed Loan Servicing If I made payments to them they would negotiate my student loan repayments and so long as I made these payments for 20 years, consistently, the remainder of my student loan would be forgiven. They took from my checking account {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX. Starting XX/XX/XXXX of XXXX until XX/XX/XXXX they took {$40.00} from my checking account. I noticed the payments were no longer being taken. I called PSLC and to my surprise found out they were put out of business and there is a lawsuit against them. XX/XX/XXXX The Consumer Financial Protection Bureau suspended their operations due to suspicion of fraud in Minnesota and 2 other states. The message said to go to XXXX to find more information. There was very little information and it said I should have received an email including me in the lawsuit against PSLC. I did NOT receive any email stating this. I called the United States Department of Education and was informed that PSLC was a scam. To my shock I found out that PSLC lied to The Department of Education and told them I had 3 dependents, to lower my payments. I do not have any dependents and NEVER stated I did. Not a penny of what I paid has gone towards my student loan, the balance has continued to increase. NOTHING WAS PAID TOWARD MY STUDENT LOAN!! THEY HAVE STOLEN ALL OF MY HARD EARNED MONEY!!

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21 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: Capital Link Management, LLC
State: MO

Complaint narrative:
I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were CLM, capital link management and were a mediation company and not the debt collector. The debt collector was actually XXXX XXXX. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Attach is question that need to be answer concerning any violation of the servicer.

BSI and XXXX. After reviewing your company webpage I do not see any of my question have been answer before concerning a advanced escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NOTE SERVICING CENTER, INC.
State: MI

Complaint narrative:
I fell behind on my mortgage payments due to XXXX XXXX   placing a collateral loan on my truck for insurance. At the same time extra payments was being made to XXXX XXXX my job cut hours down by 10 hours weekly. I received mortgage statements from Note Servicing  account number XXXX asking for {$1200.00} to cover my XXXX XXXX and XXXX payments. I mailed {$1200.00} before the end of XXXX to cover the past due payments. Note Servicing even sent me an email asking for my payments to come directly out of my bank account. On XX/XX/XXXX I received a check from Note Servicing stating my money was being returned being returned because it wasnt enough to reinstate my mortgage. Today I called Note Servicing to find out why the payment was refused and was told the payment arrived XX/XX/XXXX and I had to include XXXX payment in for a total of {$1600.00} in order to bring the account current. I told the representative I would pay it on Friday and she said she would notate the file. 5 minutes later she called back and said the mortgage owner XXXX XXXX wanted the full mortgage balance of {$14000.00}! Stating he has the right to initiate foreclosure process on my home! My home was purchased by XXXX XXXX and XXXX XXXX  at {$20000.00}. The property value went up to {$120000.00} so I believe he and his company are trying to push me out of my home to sell it for a profit. I feel this practice is inhumane especially sinceI had the payment sent out to make me current. I wasnt offer no payment solution or loan Modification to bring a resolution to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke with Experian on XX/XX/2020, XXXX a representative. She stated that they received my police report, and that a department that does an investigation deemed the report invalid. Please advise how the a credit bureau organization will deem a report invalid. As a victim of fraud how are we suppose to protect ourselves if the credit bureaus will not follow the guidelines.

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 2020-01-21 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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX  'S ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
Letter dated XX/XX/2020 from Professional Choice Recovery , Inc says, in part, " You have not responded to our previous request for payment in full. It appears you are failing to cooperate '' Towards the middle of the letter states " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose '' There is no language, wording, or indication that I can dispute the validity of the debt anywhere in this letter. The failing to cooperate sounds as if I have a legal obligation to cooperate with this debt collection agency which is shady since they are failing to cooperate with the laws around debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Midland Funding LLC Date opened XX/XX/2017 Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting an incorrect address on my credit report. I have no association with XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XX/XX/2019 I reach out to Equifax by Certified mail requesting for this address to be deleted from my file. As of today this is still showing on my credit report. Per the FCRA unverified information is not allowed to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTE : I am a CFPB employee. 

i applied for a loan with my XXXX XXXX, XXXX on XXXX XXXX, 2020. My credit was run with Experian, with an excellent credit score.  I was denied because i have a fraud alert on my credit report with no phone number. 

I had previously run into this problem and corrected it. Forgive me, i do not remember how. I recently applied and received an auto loan from XXXX XXXX. 

So it appears to be Experian only. I was given a phone number by XXXX. It had no options relevant to my situation, and it hung up on me. I tried to go on Experian 's website. The log in I had failed. When i requested my username, it said it sent to an email address that was NOT mine. 

I tried another phone number. No options for me. No representative available. I can not find an option anywhere that allows me to add a phone number to my fraud alert. 

It seems a simple thing. Add a phone number to my fraud alert. it must only be wtih Experian since I recently received a loan. 

Please help. thank you very much.

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