vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
***To whom it may concern**** I have noticed that XXXX have placed an inquiry on my Equifax credit file dated XX/XX/XXXX and XX/XX/XXXX. I have contacted XXXX and Equifax several times to have this removed and deleted. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Equifax report that you XXXX pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XX/XX/2018 I made out check # XXXX to XXXX XXXX XXXX, for {$1100.00}. On XX/XX/2018 my Bank deducted amount from my checking account on XX/XX/2018. The back of the check indicates it went into, NAVY FCU XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX. 
I have called XXXX, 3 times, spoke to a XXXX. My daughter-in-law went to the credit union in XXXX VA. They insist they did not received this money. My Bank official XXXX XXXX XXXX also called this number an got the same answer, My bank has filed a Affidavit of Unauthorized Paper Drafts 0n XX/XX/2018. NO ONE KNOWS WHERE MY {$1100.00} debit went. I need help, I am XXXX years old and was just trying to help my Son and Daughter-in-law out on a fixed income

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a Credit Card with XXXX XXXX ( XXXX XXXX Credit Card ). The account was only opened for a few weeks before XXXX XXXX closed my account with no reason at all. This company should not approve customers if they are going to close the account weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
XXXX XXXX XXXX, previously XXXX XXXX, is the loan servicer for a PLUS loan I incurred while attending XXXX XXXX. Since XXXX, I have been timely making monthly payments on my loan via XXXXXXXX XXXX online website with no prior issues. On the evening of XX/XX/XXXX, I accessed XXXXXXXX XXXX website to log in and make my monthly payment. Upon entering my information and attempting to log in, I received a message that the " service was temporarily unavailable '' and to " try again later. '' I tried to access my account again on XX/XX/XXXX and XX/XX/XXXX and received the same message. At that point, I called XXXXXXXX XXXX  customer service phone line, only to encounter an electronic interface that would not recognize my account number or SSN. Despite best efforts, I could not get in touch with a representative of the company. I also attempted to use XXXXXXXX XXXX online email function to report my issue, but was met with the same problem, namely that it would not transmit my email. A quick Internet search revealed that many other customers are experiencing the same exact problem with XXXX. As such, I can not make my payment on my student loan -- which can only result in negative impacts to my credit score, late fees, etc. And evidently the company can not be contacted to resolve this issue on its end. In addition to this complaint, I have filed a complaint with the Connecticut Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: IL

Complaint narrative:
I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

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 2018-09-05 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: IL

Complaint narrative:
I have contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.

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 2018-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: VA

Complaint narrative:
Enclosure XXXX XXXX XXXX XXXX, VA XXXX Ref. Home Equity Loan XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Nations Lending Mr. XXXX XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX : Mr. XXXX XXXX XXXX Dear Mr. XXXX : SUBJECT : Loan Number XXXX In follow up to our XX/XX/XXXX telephone conversation, the purpose of this letter is to once again request the fulfillment of the loan services advertised by your company. 
On XX/XX/XXXX, the requested {$500.00} check made to your office, cleared my financial institution. Shortly thereafter, I received the enclosed letter dated XX/XX/XXXX from your office requesting additional documentation/outstanding information. I complied with your request for the additional information however ; I have not received compliance from your office as of this date. 
If you are unable to provide the service marketed by your company, please refund the initial {$500.00} as an act of goodwill and closure. Please provide a written response to this letter within thirty ( 30 ) days. 
Sincerely, XXXX XXXX cc : CFPB file

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 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I joined a bi weekly payment program at Wells Fargo bank and have found out that regardless of when money is recieved payments are applied once a month. Funds are held in an unapplied status. It was my expecation that they payments would be applied to my mortgage as recieved. Please see attached document which provides an example of this. 

Further I make additional principal payments those too are held by Wells Fargo as unapplied funds until my mortgage due date. 

This process seems to unfairly benefit Wells Fargo. Do they collect interest on my unaaplied funds? Do they use my unappllied funds to meet regulatory requirements? If so they are recieving a direct benifit from monies that do not belong to them until they are applied to my mortgage.

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 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
72-month used-car purchase loan for me ( a senior citizen ) from Wells Fargo and 72 payments made on the loan. 2 payments deferred until the end of loan as allowed by Wells Fargo. An insufficient disclosure was given to me stating that the deferments would require that more than 72 payments be made on the loan given how 2 months of interest payments would be deducted from each months payment subsequent to the deferment before reducing the principal balance. XX/XX/2018, statement received with a due date mentioned of XX/XX/2018. I was advised on XX/XX/2018, via letter that the remaining balance was due on XX/XX/2018. There was no " 10-day '' notice provided. Statements for XX/XX/18 reflect late charge may apply after XX/XX/18 and also indicate payment due XX/XX/18, statements for XXXX and XXXX reflect a similar pattern. I contacted Wells Fargo numerous times saying balance appears inaccurate. I contacted Wells Fargo on XX/XX/2018, and entered into an oral payment arrangement with Wells Fargo and made subsequent payment the next day in the amount of {$200.00} which they posted on XX/XX/XXXX. I was contacted subsequently by Wells Fargo who informed me that my account was in charge-off status. The accounting that Wells Fargo has provided to me does not agree with the balance as indicated on my statements or credit file ( charge-off ). Wells Fargo by placing me in " charge-off '' status has cut-off my access to my online Wells Fargo loan account so that I am no longer able to do any research into the balance on my own. Even the accounting that they provided to me ( please see attached ) when I questioned the balance yet again does not reflect the amounts they are reporting to the credit bureaus {$1000.00}. Also, the last due date reflected on their accounting was XX/XX/XXXX, so how could I be late on payments? They need to provide new due dates. Please see attached. I have asked to speak with the complaint department and was transferred to a telephone line where no one picked up and there was no way to leave a message. I tried online via the Wells Fargo website to locate a complaint address ( physical or email ) and was unable to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a postcard in the mail for my Citizens Bank One Deposit Checking account ( # XXXX ) The postcard offered a {$50.00} bonus for making three online bill payments with the new checking account between XX/XX/XXXX and XX/XX/2018. I made three such payments between XX/XX/XXXX and XX/XX/XXXX. 

Per the offer terms, that bonus was due XX/XX/XXXX. I have still not received it. I sent the company a secure message in XXXX and have still not heard back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact XXXX XXXX XXXX by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?

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 2018-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I bought an item that XXXX my XXXX, XXXX, and XXXX and Chase refuses to return the money in the amount of {$210.00}. I am scared to go back to XXXX XXXX because they may try to XXXX me. I need my money back from XXXX XXXX, they have sold me two things with dust on them that don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I tried sending money to a friend on XXXX XXXX XX/XX/XXXX and it was sent to the wrong user both the user and my friend had the same name. The only verification needed before sending funds was that my finger be on the button. I noticed it went to the wrong Person when i got the request from the right person. But by the time I Realize what was happening it was too late. I tried emailing the company but their customer service did a awful job answering my questions. Both me and my friend emailed back-and-forth with the company and they gave us both a different answers. Both me and my friend emailed back-and-forth with the company and they gave us both a different answer. Also the customer service I was talking to a robot not a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed for a small personal loan through what a I thought was a legitimate loan company " XXXX XXXX XXXX '' based out of California. I received a telephone call from the " representative '' clarifying the information on the application. In going over the information, the representative stated that he had my bank password, which he proceeded to tell me. Surprisingly, he did in fact have my password. At no time, did I provide my password to him. He transferred money from one account to another, making it appear that the loan was granted. However, TD Bank is stating that fraud was not committed as they are stating that I willingly gave the password to the caller and authorized the three separate transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, Ditech Financial LLC, asked us to do a modification loan thriugh them, but it would be extended to 40yrs.So we declined offer.Also we are only two payments behind on mortgage, although they claiming its over 120 days.I have bank statements .So on XX/XX/XXXX, we got letter from XXXX XXXX XXXX XXXX and XXXX , XXXX that theywill start legal proceedings, giving us 30 days to dispute.Ditech also is holding a payment check of XXXX that i sent on the XX/XX/XXXX. They wont apply it to mortgage.They claim we owe XXXX.We have been assigned account rep.by name of XXXX XXXX.at XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/2016, after reviewing my credit i decided to face that GIANT and do something. I began writing out letters to all outstanding debtors and asking to pay back at reasonable increments. Once one stone is gone I'll increase and knock down another. I was excited. Few months go by and I'm now receiving letters of garnishment, one agency was already garnishing me without notification. I fell ten flights backwards. My rent fell behind, i wasn't eating properly cereal or hot dogs, now getting sick medical bills, copays can't pay. I almost regretted my move BUT i knew there was a way better than the way these lenders and collection agencies were going about business. I have read that federal loan lenders can work with you. Private lenders are much harder once defaulted. I tried any way and federal and the privates spoke to me with such insensitivity. One agent actually told me to " STOP paying rent and eating for a year and my loan would be paid. '' I just want to pay back at a $ $ amount I can afford. No longer avoiding just resolving. 
I literally had to tell myself to breathe.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I believe that Chase Credit Card Company overcharged me for interest. I received my XXXX statement and the interest/fee was approximately {$25.00}. My balance is approximately {$2000.00}. I called to ask how they calculated the fee/interest. The man said they applied to interest rate ( approximately 14.50 % ) to the outstanding balance daily and arrived at the interest payment. I am really looking to understand how the contract changed.

Company response to consumer: Closed with explanation