vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: TN

Complaint narrative:
i went online and call all three major credit bureaus ( XXXX XXXX and Transunion ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need to grant access to an outside party to verify my account once I Sign in with my username and password

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
On XX/XX/2018 i spoke with a Supervisor and i paid my balance that was left for my payment. Then on XX/XX/XXXX a regular employee XXXX XXXX called saying oh my supervisor didnt collect the right amount so i need you to pay the rest. I advised him if a supervisor made a mistake he should fix it and now i will be charged a late fee because of his mistake.It was lates fee supposed to be remove. This company has made it to where i dislike doing business with them. I had told them for over 2 years for them to not call me because so many people say different stuff. Between my husband and i been in and out of the hospital. Like now my husband is under the doctor care after XXXX.I dont need to have any more XXXX behind this company.This company has t o be the worse i have ask for some services to be done instead they do the opposite. When XXXX was here they moved the payment but then report it to the credit bureau is late, if it is being moved to the end of my car payment. Every other company that i had dealt with do not do business like this.I have 2 late payment right now reported in XXXX and XXXX that they moved but still report it olate to the bureau. If they are helping me out why not help all around. I have been dealing with my husband and i health then also deaths.So please help i want all this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a GAP credit card, for use at GAP-branded stores ( Gap, XXXX XXXX, XXXX XXXX, XXXX ). Nothing is wrong with that credit card account. However, on 2 separate occasions within the last year, Gap has opened a second credit credit card account ( GAP Visa - for use at any place where visa is accepted ) without my knowledge or consent. I did not apply for a Gap Visa, and I don't want a Gap Visa. I have had to log in and cancel the visa account and destroy the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Because I can now afford to do so and with the belief insurance of any kind should only be used in a catastrophe, I believe selecting the highest deductible possible makes the best economic sense. I recently increased my deductible for my rental property to the maximum XXXX insurance offers to {$10000.00}. Soon thereafter Chase, the mortgage holder informed me, and I quote " your insurance deductible is higher than the maximum we are allowed to accept ''. Please see attached letter from Chase. I called to Chase to inquire about this and after several minutes and switching from many departments, Chase said the letter is only a " suggestion '' and I will continue to get these letters.

1. The wording is misleading in that I felt I was required to lower my deductible, which is untrue.

2. I do not want to keep getting these letters. 
This is a misleading and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I used XXXX to help me settle some credit card debt. I have a contract with Wells Fargo that stated they agreed to except {$3600.00} in payments which I have and canceled checks by Wells Fargo to show this was paid in full. Their lawyer has now filed a suit against me for the outstanding amount which was an amount that Wells Fargo agreed to write off. I have all the canceled checks as well as a copy of the contract by Wells Fargo showing this was paid in full. I have placed multiple phone calls to The lawyer of Wells Fargo and he refuses to call me back.

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 2018-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Around XX/XX/2017 my account was closed by BOA for suspicious activity on funds that were deposited by an authorize person I had given my card to due to my illness. My account was then closed by BOA. I called several times to follow up and even disputed the fact that I was not the person who deposited the funds so I was unaware of the situation that had occurred. When closing the account, a charge I dispute months early due to debit card fraud was placed back on to my account stating I owed them. I then asked to dispute it again and they said I could not due to the account being closed. Now I have negative reporting on my consumer report.

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 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead!

Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid.

I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX  years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc.

Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX  enough to take out a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
In the last 2 weeks I attempted to send money to XXXX to a friend of my mothers because my mother is in hospital. The information was missing the middle name. I called to add it and have been told the system had errors and offered a refund. I ended up sending it to my mother in her name. We had an ambulance service take her to a payout location. The information is correct because in the past I have sent her money. Today she was taken to retrieve it and the payout location told her the information was correct, that her middle name was showing as her last name. I sent the confirmation ( MTC ) to her to show the name is correct. In calling western union, they could not offer a reason and would not help further resolving the issue and again offered to cancel the transaction and refund. This will be the 3rd time they would have had to cancel the refund. Now my mother is unable to pick up the money without scheduling another ambulance ride to western union pickup location. I repeat, the information matches her ID exactly and they would not get her the money ... In the last few months, western union has given my conflicting information that does not match from one representative to another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
About 1 year ago I froze my credit with all three beureus. I now Tried to temporarily lift The credit freeze with equifax so that XXXX XXXX XXXX could check my credit to start a new account with them. Equifax employees now say that they can not find my file, despite me providing all requested information ( freeze pin, ssn, address, etc ) Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Around end of XX/XX/XXXX, we made a reservation for kitchen gas stove top repair service for XX/XX/XXXX Saturday appointment. The merchant guarantee that there would be no fees collected if repairman can not make the appointment. On Saturday, repairman couldn't make it, so  reschedule for the following Monday, then canceled and reschedule for the follow Wednesday. The repairman finally came to our house for checking our gas stove, and he said he needed to order several parts from the manufacture ( XXXX  ) and promised to provide us with quote. He provided us a quote for almost $ 1K, and we decided not to get the repair service instead we ordered a totally new gas stovetop from a local store and installed it.

During our credit card reconciliation, we noticed that that repair man charged {$100.00} for the first visit, which should've been free according to their guarantee. So I tried to contact the merchant several times without success, so I opened a credit card dispute with Chase Credit card. The customer service called me and I explained what happened, and they tried to contact the merchant while I was on the phone to resolve, but merchant was not responsive. So I kept explaining what happened with the merchant, but the customer service needed to get more details. Few days later, Chase Credit card dispute team left a voice message so I called them back several times, and left voice message for further detail information like date of the first visit of the repairman, etc. After that I never got their response back. So I was waiting for the resolution, and yesterday XX/XX/XXXX, I received a letter from the Chase that they found no evidence of billing error and closed the case in favor of the merchant claiming that they sent a letter for further information, but I have not received the letter. I fully explained what happened with the merchant, but they didn't seem to understand what's going on. I voiced my frustration of their dispute process, but they kept saying the definition of " service '' I received. Merchant clearly guarantee that the first visit would be free if their repairman can not make the appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for Chase Bank, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was affected by Hurricane Irma. I applied and recieved a forbearance. After the forbearance, I applied for a loan modification and was told I was approved. I have made all of my trial payments but now when I call the service can't tell me when I will get modified. They keep saying it's been escalated or its worth the underwriting team. I called today, XX/XX/XXXX, and spoke with XXXX XXXX who said the same thing as everyone else. US Bank has sent me no documentation about the loan modification and are unable to give any solid answers except.its been escalated.

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 2018-06-05 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: Early Warning Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted TransUnion on several different times including today XX/XX/XXXX. I Have been contacting them because I am a VICTIM of the " Inquiry Issue '' I have been trying to get this issue resolved for many months now. All i get is the run around and promised phone calls to have the Inquiries removed from my credit report. I you look at the dates on all of these hard Inquiries there is a pattern.

Here are a list of the Inquiries that were supposed to be removed but have not : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX) XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX ) XXXX (XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) XXXX XXXX ( XX/XX/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