vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/2019 I called cash app to this customer service number : XXXX because I sent money to the wrong person ( {$20.00} ) so I was trying to get that money back, when I called them they asked me to download an app ( viewer quick support ) through that app he ( XXXX ) got into my cellphone. Once he got into it ( my phone ) he asked me to verify my account by taking pictures of my id, debit card and my face. Then he said that " he was going to send me the {$20.00} that I had sent to the wrong person in order to end the verification process '' He ended up sending me {$200.00} accidently instead of the {$20.00} and it " failed ''. So he asked me to go to the store and buy a XXXX gift car of {$200.00} and give him the code in the back which I did and as soon I gave him the code he hung up the phone and when I tried calling back claiming to him, he kept hanging the phone up. I went to my best friends house so she could try calling for me since het english is better than mine. They ended up saying a lot of profanities. I still have the ebay card and the receipt just in case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These fraudulent accounts are reporting negatively on my credit report XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I purchased a sofa with my XXXX credit card the sofa costs me over {$1200.00}, I noticed issues with the sofa the moment I put it together. I noticed the quality was bad and how hard and uncomfortable the sofa was. I contacted XXXX and the gave me a {$300.00} adjustment. As time went on, I continued to have more issues witht he sofa. The back pillows are deformed and deflated, the stitching on the sofa is terrible and the sofa is coming part at stitching. XXXX won't offer a resolution to these issues, I will not pay for a sofa that is not even 5 months old and its already falling apart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
I processed a balance transfer to my Chase Amazon card in the amount of {$3900.00} on XX/XX/XXXX. The balance transfer was offered at 0 % until XXXX of XXXX. I also had purchases on the card. I have made payments in the amount of {$3600.00} since the balance transfer was processed. Chase has been applying the minimum payment ONLY to the purchases at 24.49 % APR and then applying the remaining payment to the balance transfer at 0 %! The statement reads under how to avoid paying interest on purchases, " Because we apply payments in excess of your minimum payment first to HIGHER rate balances, you may not be able to avoid interest charges on new purchases if you have another balance at higher interest rates unless you pay your balance in full each month. '' Therefore they should be applying these large payments to the purchases at 24.49 % APR, however they are applying to my 0 % balance transfer. I have contacted them 5 times since XX/XX/XXXX as I have been charged interest on purchases made. Their response is that " If you pay your minimum payment, it will be generally allocated : - First towards any flexible financing offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods. 

- Then to balances with the lowest APR - Then to balances with the highest APR This is contrary to what the statement reads and predatory lending in my opinion. I have requested several times that they adjust my bill to process the payments made to the higher interest purchase balance but they just keep responding with the above statement. I can not pay the full balance or I would have never completed the balance transfer in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I've leased the car and I've paid {$900.00} per month but I just shut down my business because of the lack of business. 
Since then I haven't been able to pay this amount and my car will be towed away soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I applied for mortgage assistance with my lender since I have been struggling to pay my mortgage since my husband XXXX XXXX XXXX XXXX XXXX. I asked my lender for help and they denied the mortgage assistance because of my age they are not extending my loan which is possible because I have a XXXX XXXX loan they are assuming if they extend my loan I will die before the maturity date. That is age discrimination. I need assistance I am all alone with no one help. I lost my Husband and our household income was cut in half, I would like my lender to consider me for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a transfer through XXXX to my Wells Fargo checking account. With XXXX, funds are typically available immediately as I have set up XXXX on my account. I received an email from Wells Fargo stating that the funds have been received but the funds have not been made available to me. I have spoken with representatives from Wells Fargo and no one can tell me when the funds would be available. Wells Fargo representatives suggested I contact XXXX despite an email I received from Wells Fargo stating that Wells Fargo has received the funds.

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 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
RE : Revocation of authorization for debits Company : OPP Loans To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX/XXXX XXXX located at XXXX XXXX XXXX. in XXXX, TX XXXX, regarding an unauthorized hard credit inquiry that was performed on XX/XX/XXXX. I asked the company to immediately investigate the unauthorized inquiry and to remove it within 15 days once the investigation supported that I was not the party applying for an auto loan. On XX/XX/XXXX, an employee of XXXX XXXX called me and stated that he saw where an application was submitted on XX/XX/XXXX for someone with the same name. Upon asking him to provide me with a copy of the application that shows I completed the application and signed it, he stated that their company did not have a copy due to it was a verbal application in which another employee entered the information. After the employee argued with me for more than 3 minutes, his end sentence was that he will not submit for the inquiry to be removed due to a valid social security number was entered. After I expressed several times that I did not submit an application and requested for verification within 15 days, the employee still refused to adhere to my request. Before I submit a suit against the company I wanted to make the Bureau aware of car companies that feel that they can pull anyone 's credit without their consent. This has affected my credit score in which I've worked very card to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I moved from Florida to XXXX Georgia on XX/XX/XXXX. That was the closing date on the property. I had funds leftover from the closing and use that money to fund my SunTrust account. Today XX/XX/XXXX I am being advised that the account is closed but I do not have access to the over {$2000.00} that I have in the account. I don't know anyone here. I can't borrow any money this is all the money I have and I need it now.

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 2019-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: TN

Complaint narrative:
Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 

They Have Allowed XXXX  XXXX, XXXX XXXX XXXX, And XXXX XXXX to Post incorrect And unverified information on my credit report for over 5 years.

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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo sends out next payment form shortly after making a payment. I had gotten in to the habit of sending another payment shortly thereafter. Got ahead in my payments. My next mortgage payment is due XX/XX/2019. 
I've been looking into refinancing and Wells Fargo was in consideration. Last week I asked what happens to the payments I already made if I terminate the loan and refinance with Wells Fargo or another lender. My statements reflect that my payments and the extra I always add to payments has reduced the principal. However, I want to know what happens to the payments in advance regarding interest. Some lenders have said they would have to reimburse others are not sure. The Wells Fargo representative has been trying to find an answer. After telling them I was filing with CFPB, I received a XXXX from XXXX XXXX, Senior Vice President Wells Fargo Home Lending. It states : " It's our goal to complete the necessary research and provide you with a response by XX/XX/2019. '' Why does it take so long to provide an answer? I'm reluctant to re-finance until I have an answer.

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 2019-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
Obtain the loan from Avant on XX/XX/XXXX for {$6900.00} with payments being made thru ACH beginning XX/XX/XXXX. I contacted Avant and requested that my due date be change to the XXXX of each month as soon as I received the payment schedule. I asked if there would be a problem and was told no. I paid the off the loan with the final {$270.00} being deducted on XX/XX/XXXX. When I checked on line last week, it showed my balance as XXXX. Then I received an email, showing the XXXX balance but stating to contact them because I still owed additional monies. I called and spoke to an operator who would only give me his first name, XXXX. I explained why I was calling and expressed my concerns about receiving the notice. He explained that when I moved my due date, they charged me {$100.00}. I asked why wasn't that explained to me and was told it's in the contract. I replied, you mean for adjusting my due date for 5 days you charged me and no one pointed that out to me when I made the request? He replied it's in the contract. I was totally upset at that point and let him know that doesn't make any sense and send me something in writing. On XXXX I received an email from Avant Resolutions stating that I now owe {$140.00} and interest will continue to accrue on my unpaid principle balance. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is not letting me access my account. I verified all the information name, address, ssn, dob, etc but I am still denied access to my account because I failed the security questions regarding payment amounts in the past. I've had over 10 accounts with different payments, I can not possibly remember each account. Agent XXXX - XXXX was very rude and had very nasty attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These items below do not belong to me at all. 

XXXX XXXX XXXX # XXXX {$1500.00} XXXX # XXXX {$1400.00} XXXX XXXX # XXXX {$1300.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$930.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$300.00} Collection # XXXX {$230.00} Collection # XXXX {$230.00} Collection # XXXX {$220.00} Collection # XXXX {$220.00}

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 2019-06-06 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: NJ

Complaint narrative:
I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 
They Have Allowed XXXX XXXX, and XXXX XXXX XXXX, to Post incorrect And unverified information on my credit report for over 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION
State: VA

Complaint narrative:
XXXX XXXX continues to harass myself, my mother and now are attempting to contact my friends to discuss loan repayment options. My loan is in the process of being consolidated and therefore I do not even have a loan through Sallie Mae any longer. A man named XXXX XXXX continues to call my mother at her place of employment as well as my best friend. He is violently rude and discusses confidential loan information each time he calls which is multiple times a day. 
Sallie Mae itself also calls myself and mother a handful of times a day leaving automated messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NQM Funding, LLC
State: FL

Complaint narrative:
The mortgage company had the date of XX/XX/19 to close with a commitment to finance date of XX/XX/19. Because it only submitted the commitment on XX/XX/19, the closing date was extended to XX/XX/19. However, the closing did not take place! No reason given, except that they are not ready. On XX/XX/19, the seller relisted the property. I informed the mortgage company and was told that it did not mean anything and that they would close soon. On XX/XX/19, when I realized that the company could not come up with anything concrete, I informed them via email that if by XX/XX/19, they did not at least give me a concrete date to close, it would mean that they can not and will not close and it would be time for me to move on. That same day of XX/XX/19, at about XXXX XXXX, the loan processor responded by email stating that she has sent all my documents to underwriting for clearance ... Again, XX/XX/19 came ... and I heard nothing from them! The seller wants me to sign a release canceling the contract and forfeiting my {$3000.00}. EMD. Having heard nothing from the mortgage company in terms of the underwriters ' decision, on XX/XX/19, I printed out the email where the loan processor informed me that my documents were sent to underwriting and attached it to an email to that loan processor demanding a written response from underwriting without delay. I got no response. On XX/XX/19, I informed the loan processor via email that a complaint would be filed against her with this agency on XX/XX/19 unless she responded and the email would be used as reference. A few minutes later, she responded, but only to tell me " to forward that email to the branch manager ... '', to which I responded by advising her that it was her duty to do so, even if she no longer worked there. I also told her that my deadline of XX/XX/19,,, still stood! To this very minute, I got no response!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was offered a sign on bonus for a credit card. And after applying for the card ( requiring a credit check ), making the minimum spend requirement, paying the annual, fee, I was denied the sign on bonus due to closing too many accounts. This was after I have been using the card for 3 months. Usually, there is a warning prior to applying for the card that they may you deny your sign on bonus, I was given no such message/warning. 

After multiple complaints and internal investigations the last 2 weeks and explains to them I closed other accounts for person reasons and trying to fix my bad credit score, i was still denied the points.

Company response to consumer: Closed with non-monetary relief