vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk to me?

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 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: MO

Complaint narrative:
I spoke with someone at Transunion for the fifth time on  XXXX / XXXX / XXXX  about fraudulent inquiries on my credit report. I have placed fraud alerts on all the credit bureaus because I found activity and have been receiving denial letters for things I never applied for. I was told to file a police report. Went to the police station here in  XXXX   XXXX , Missouri. The sergeant on duty stated to me that if there was no balance nor account opened, that no criminal actions was really committed. She told me that the credit bureaus should remove them do to me supplying information and showing that there is some form of fraud going on. These are the unauthorized/unverified inquiries that I have asked to be deleted.  XXXX   XXXX / XXXX / XXXX  ;   XXXX   XXXX    XXXX / XXXX / XXXX  ;  XXXX   XXXX / XXXX / XXXX  ;   XXXX     XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  ;  XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , &  XXXX / XXXX / XXXX  ;  XXXX   XXXX / XXXX / XXXX  ;   XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX . According to the FRCA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the my phone call and as well as received a new report with no change nor verification, one can assume that there was NO investigation into the matter. I plan to purchasing a home this year and having this many hard inquiries on my credit report, that I did n't authorize, is a sign of financial risk, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have included ALL supporting documentation.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We owned  XXXX  CC a balance of {$8000.00} o  XXXX   XXXX   XXXX   and we were told to pay {$2700.00}, by   XXXX   XXXX  , so I wo n't be penalized to pay the interest promotion which was {$800.00}. We decided to close the account and pay the full balance which was  XXXX , On   XXXX   XXXX  . I was told since I paid the full balance that I was going to receive {$860.00} for the interest adjustment. However in order to get this I was told I needed to request by calling them and they would post it in the computer and mail me the check within  XXXX  days. I have called several times to send my check of {$860.00} that I was told by several customer service representative that they would mail me the check. However, all I got from them on the   XXXX   statement was an account statement with a credit of {$810.00}.  XXXX  towards my close account. When I called on   XXXX   XXXX  , about this their reply was the money went toward the account, and can not be mailed to us.

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 2017-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
My wife and I opened a new checking bank account with Charles Schwab. T o do this we provided our  XXXX  expecting that this would be used for a identity verification and result in a soft credit file hit.  Ch   arles Schwab has done a hard credit file hit. We did not apply for any credit and we do not want any credit with Charles Schwab.
We have requested Charles Schwab to remove it and they refuse. We have disputed it with  XXXX . The hard credit hit is only with Equifax. Charles Schwab has done soft credit hits with  XXXX  and  XXXX . Soft credit hits for identity verification are fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: IN

Complaint narrative:
In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Keep receiving letters from them saying I owe a loan from Citibank which wad paid in full in   XXXX   loan for school. I called  Citibank  and was told I owe them nothing. Their student loans were sold to another company which I called as well.     W hen you call Credit Control, there 's several numbers, no one answers, just voicemail. They buy debt that is closed, ghost debt and expect consumers to j ust pay with no proof until asked, that is, if they can provide.

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 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My loan balance does not seem to be going down at all and I 've been paying in it for almost 10 years now. The interest is ridiculous. I 'm a single mom, work full-time, did n't finish school, my fault because I got pregnant and ran into hard times. But I still do n't think I should be struggling to pay off this loan. They are making money off of me, that 's for sure. I understand everyone and businesses need to make money, but this is a little out of hand and ridiculous. It would be nice if they would wipe away my loan debt and use it as a charity write off .... please!     Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a payment that payed off my synchron y Walmart a ccount. Then 8 days later an auto debit payment pulled more money out of my account resulting in my account being credited. So the n Walmart issued me a check f or  XXXX  dollars and I brought the check into  Walmart  to cash it and they charged me  XXXX  dollars to cash it. They charged me  XXXX  dollars to cash their own check. What an unfair way to make money.

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Ba nk,  XXXX   XXXX  credit card continues to be a problem. They do not show an upcoming payment in their website ( account management ), and then with only a few days advance notice, demand a payment which they show as " past due. '' On   XXXX   XXXX   I wrote to them, asking when my next payment would be due and for how much. They responded and said they did n't know. Now, today,   XXXX   XXXX  , I logged into the account and they show the payment as past due and request {$380.00}.     The payments they request are excessively high and beyond the amount that I can pay, both for this card and the  XXXX   XXXX  account ( approximately 10 % of the total balance ). They do not show a payment due, and then only show a payment as past due, charging additional fees and penalties. Using this scheme, I will never be able to pay off the credit card and I can not keep up with these payments.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB management calls me ove r 10 ti mes a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am not satisfied with seeing an tem that hasnt been validiated on my credit report with accurate information and demand for the bureaus to remove it. If a collector is in power of any debt that needs attention, first it needs to be validated and ask that what is reporting on my credit to remove it ASAP.     All I expect is to hear back from the CRA 's that my item is off..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
XXXX  management calls me over  XXXX  times a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu  ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed.
Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t  owards the following month 's normal payment schedule.     In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In  XXXX  I effectively closed my account with Ban k of America after mult iple fraudulent checks were cashed in my name without proper verification of identity. I went through the proper channels, filed a claim and once the claim was resolved closed my account.     In  XXXX  I went to a  XXXX  branch to open an account and was told there were " disparaging remarks '' on my consumer report saying I had abused privleges at that bank. I was never called or sent any letters in regards to a debt, no was I sent to collections for anything.   I than visited  a Bank of America branch and was p ut in touch with the claims department who asked me if I would pay the outstanding amount of about {$4000.00}. I was never sent any letter saying I owed them money and my account had been closed for over   three years. I was than forwarded to checks and balances who again asked me if I had any intention of paying the outstanding amount. I was forwarded again back to claims who told me that since the claim was over three years ago I would need to file a new claim in order to get any information regarding why there were disparaging remarks on my account that were preventing me from opening with another bank.
I have given them all of my contact information and was not contacted. I went back to the Bank of America and was told again that nothing could be done except to open a new claim and that the files from the original claim were n  ot accessible to me.

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 2017-04-25 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 have debts on my credit report from chase,   XXXX   XXXX  , home furnishings,  XXXX  and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

Company response to consumer: Closed with explanation