vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, Bank of America froze my account of over {$10000.00} and sent most of it to my client who accused me of forging her checks. However, in XX/XX/XXXX I obtained a document from the District Attorney, proving that I am not guilty. The institution stated that I would be unable to re-open an account anywhere for 10 years. Therefore, my business has failed and gaining employment has been difficulty without the means of accommodating their direct deposit method.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Dealer Service has charged me an interest rate of 15.999 % on a used vehicle that was purchased in XX/XX/XXXX. When asked to refinance in XX/XX/XXXX, I was denied. I asked for the money to go towards the loan and not the interest rate, in attempt to make my {$290.00} payment of a XXXX XXXX XXXX base a little lower since I was also a XXXX XXXX XXXX XXXX, I was denied the option to put the money towards the base and not the interest. When I spoke to a representative about six months ago from Wells Fargo, I was told I would be able to pay it off with a settlement of about {$6000.00}. When I called back today, I was told that there was not settlement option and then that information was changed to a little of {$7000.00} for a settlement. The numbers provided to me during my phone conversation today were not accurate. When stated the previous conversation and the numbers were wrong, I was put on hold and nobody came back to the line. I will be calling again tomorrow but it is ridiculous how they have handled this situation, the ridiculously high interest rate, the fact they would not let me refinance after a year, and the confusion with numbers and data of my account is astonishing and crook like.

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 — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today I Bank of America at XXXX and spoke with a female claiming to be XXXX XXXX who said that she had submitted the request to remove all the late fees for a total of {$100.00}. I had to repeat the reason for non-payment a 4th time which has not changed. I did not get my statement. They were put in the wrong mailbox. Instead of XXXX it was placed in XXXX. The 1st female who cancelled the 1st card I never received took the information. She was rude claiming it's not a Bank of America problem, it's a postal problem. I made a complaint to the Post Office. I made a request on XX/XX/2018 to XXXX XXXX who probably never attempted to put the late fees in, then XXXX a late fee was added

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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
I have a new loan with Freedom Mortgage ( started it XX/XX/XXXX ). Starting on XX/XX/XXXX I requested the removal of PMI with my payment of an extra $ XXXX toward my loan. I was first told I'd need 2 years of payment history before they'd remove. But, after I asked them to put that in writing they called back on XX/XX/XXXX and said they were wrong, and if I paid another {$7500.00} then they would remove it ( by XXXX # XXXX ) & would not need another appraisal as it was within the grace period ( since it was a new loan ). I paid the extra {$7500.00} assuming he told me correctly. On XX/XX/XXXX & XX/XX/XXXX I sent follow up emails to see if they'd removed it & as of XX/XX/XXXX they did not respond to either email. On XX/XX/XXXX I called in and was told by XXXX ( # XXXX ) that it would be processed by XX/XX/XXXX and to call back. On XX/XX/XXXX I called back and spoke to XXXX ( # XXXX ) who said I'd need to send another appraisal before they'd remove PMI. When I told him XXXX ( # XXXX ) said that wasn't true, he said he would call back once he spoke to XXXX. As of now, I still have PMI even though I've requested the removal of PMI, and have more than 20 % paid toward the principle. I keep getting told different things each time I call.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Good Evening, I spent a money order from myself to myself. A validation was required. The person validating this call cancelled my order because I did NOT sufficiently grovel and make nice to him. You really must listen to that conversation.

For instance, I was told, " am talking, DO! NOT! INTERRUPT! ME! WHEN! AM! TALKING! The person then kept quiet for a full 2 minutes to see if I would interrupt him. Any thing I said during those 2 minutes was met with a repeat of same words in capitalized letters.

Then the person cancelled, with glee, my order. [ MTCN ] is : XXXX Quick Recap.

Information given accurately for validation purposes was Name, Date of Birth, email. All identifying information.
Because of my circumstances, being in public, using a public phone, I had no choice to minimize the release of my personal information. That seems to be what set him forth. The idea that I will not willing yell out ( on a public phone in public ) information that can later be used to hack my accounts.

A quick change in protocol might be needed for Western Union. For instance, if the person can't say his name out loud, a choice of possible names could be read out to him. Same as birthdays. Makes no sense to release publicly the very identifying information Western Union itself guards, as a condition of using their services. Unless they believe it is impossible to find oneself in a public place needing your services?

But that still does not change the nature of the tone of the conversation and word choice, which I find very demeaning. Now, I did NOT have a phone with me, but if I did, I wouldn't have needed their services in the first place. I simply would transfer money by phone. That requirement of phones is going to make you them extinct. Used to send thousands of dollars thru Western Union, till they put a cap on amounts. And now, the very few times I use their service, I ended very upset and without the service?

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted disputes with Experian, and XXXX XXXX, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact? 
My credit reports from Experian and XXXX report as a charge off, not sold to anyone, only under the company XXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My student loan was discharged in bankruptcy nelnet is reporting to the credit bureaus that it was discharged in bankruptcy yet they send me bills and call me so I keep paying it but they are not reporting the payments to the credit bureaus. They update the trade line every month as bankrupt but do not report the payments. I have written and called nelnet and I get no response. Im worried about a negative report or that they will take some other action so I keep paying {$120.00} a month. This is extortion in my opinion and a violation of bankruptcy laws.

I filed a cfpb complaint previously about this I disbursed their response nothing was fixed and here we are 2 years later and they are still reporting wrong and extorting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX dba Mr. Cooper completed a loan modification on our primary mortgage. The modification was offer to us because NationStar levied an amount of {$17000.00} as an outstanding amount due immediately after the discharge of our chapter XXXX bankruptcy ( 60 months ) on XX/XX/XXXX. We original had 10 year fixed arm loan with ( XXXX but sold to NationStar ). NationStar was unable to adjust payments after 10 years because of the bankruptcy court ordered payments. On XX/XX/XXXX we contacted NationStar & informed them of discharge. They sent us a demand letter for immediate payment of {$17000.00}. We still don't know how this amount was established but payment was due immediately. We tried to work out payment plan to pay this amount by installment payment but was refused. What we were offered was a loan modification which we gladly accepted. Never were we informed that it was a hardship loan. No documentation received indicated Hardship Loan. We are now trying to re-finance our loan but NationStar is informing our lender XXXX that the modification was a hardship loan. The loan modification was offer to us by customer service rep & we were never informed it was a Hardship Loan. We are about to be turn down a second time because this modification has been labeled Hardship.

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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I called TransUnion to have my credit unlocked for one day so my XXXX XXXX XXXX XXXX rep XXXX could view and raise my available credit card amount. I paid {$10.00} and was given XXXX. I provided this to XXXX and he calls me back saying that number does not work. I call Transunion and tell them the number did not work. Their rep says he double checked and it was valid. I called XXXX back and he tries it and it does not work. I tell him I do not know any other recourse but for him to try hourly. I call TransUnion the next day, today, and repeat my request to have my credit unlocked for free because the number I was given did not work the day before. He did not understand though I repeated it 4 times. His method was for me to pay again and get another unlock code. I then spoke with his supervisor who said since I did not call back when card did not work he could only charge me again to reopen. I pointed out that I did call back and because Transunion did not follow their own rules in documenting my calls was no fault of mine. The fact remains I paid {$10.00} for a valid code and Transunion does not feel they have any responsibility to hand out working codes for the fees they accept!

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is denying me access to do my disputes on line. I have submitted all accurate personal information and they keep saying that the information does not match their records. I have initiated a lawsuit as they are breaking the law by not allowing me access to submit my dispute of fraudulent information on my credit report. Due to this denial, I have been denied credit and have sustained XXXX   XXXX. Equifax was breached and my information was compromised and they are barring me from submitting my disputes. I am entitled to have fraudulent information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
On XX/XX/2018 I received a message from a credit monitoring program to which I belong. The notification said that The Waypoint Resource Group in XXXX, Texas has put us in collection for an apparent {$76.00} debt. Neither my wife nor I know anything about this debt. This notification from XXXX and XXXX are the first notification we have of this alleged debt. We have no idea what it is for or what it is about. We tried to contact but I could not reach a person and I am afraid that the company might be a scam company. The phone was answered by a computer generated voice and wanted me to put my information in over the phone so they could find my account. I do not want to give any information to anyone unless I know who I am speaking with. We have not had any bill collectors calling us and to the absolute best of our knowledge, neither my wife nor I know of any money we owe to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen. I filed a police report and now I pulled my credit report and someone has obtained a auto loan in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
I have submitted disputes with XXXX, and Trans Union, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact?

My credit reports from XXXX  and Transunion report as a charge off, not sold to anyone, only under the company XXXXXXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.

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 — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I have made multiple attempts to submit my income verification information to Navient over a period of three months. Each time I submit my information I receive confirmation that the materials have been received then vague communication if any stating items are missing but not outlining what is missing. After submitting several documents outlining my gross pay, I called Navient on three occasions to verify that they did in fact have what they needed to verify my income. Each time I was told I need one more thing then I was told that it would be expedited in 1-2 business days to keep my payment from tripling and consuming almost half of my income which I can not afford. I confirmed receipt of needed information with nothing outstanding only to receive notification that items were missing again two weeks later. This is delaying my payment calculation and I feel it's intentional as I fight with Navient every single year. They claim XXXX XXXX XXXX is not a valid site to verify income yet they have it listed on their site and it is widely used by many employers. I have taken the necessary steps multiple times, and have no clue how my payments are being applied as my total balance only increases despite never missing a payment. I want to leave Navient and their crooked business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I initially disputed Account # XXXX with XXXX XXXX XXXX, XXXX via the 3 credit bureaus on XX/XX/XXXX. I received notice from the bureaus stating that the account was verified and proven to be mine yet I was never sent validation from XXXX XXXX XXXX, XXXX. I then disputed the account again and received the same response and no validation. After a 3rd attempt, I was finally sent 3 different billing statements to verify my mailing address but I had asked for validation that the debt was mine with proof of signed contract and agreement to pay the original creditor and/or PRA. All 3 statements that I was sent had different amounts from the amount that PRA was attempting to collect. This really made me feel like this was a scam. I had spoken with someone on the phone from PRA and was yelled at everytime I called. I informed the person that I had spoken with each time that this account did not belong to me. When I email this company, they advise me to call them. All of my attempts to communicate effectively with this company have been unsuccessful. PRA is violating my rights as well as the laws of the Fair Debt Collection Practices Act ( FDCPA ). These violations fall under sections [ 15 USC 1692f ] 808 ( 1 ) and [ 15 USC 1692g ] 809b for misrepresenting the amount owe and failure to validate before reporting to the credit bureaus. I sent PRA a validation letter on XX/XX/XXXX and I've received 6 letters stating that they have already responded to my dispute and will no longer investigate. This has been their response throughout this whole process and I still have not received any validation just billing statements for amounts that do not match the balance that they state is owed. One statement states there's a {$0.00} balance but {$1000.00} is due. There's three other statements with balances of {$3100.00}, {$3900.00} and {$3300.00} but Portfolio Recovery is collecting on a balance of {$4000.00}. None of this makes sense and it has not been validated and must be removed from all 3 of my credit reports immediately.

Company response to consumer: Closed with explanation