vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IN

Complaint narrative:
They closed my account after 6 years of being a customer. I had a few disputes which were mainly this year because they sent me a recycled card and someone else was using but they turned it off before my husband could get his direct deposit. They also charged me humongous fees.

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
on XXXX XXXX XXXX furniture store in the XXXX had as big sale online, they promoted ACIMACREDIT, they stated you can get up to 2000 approved. so i apply and received XXXX   approved. XXXX furniture store told acima we received our merchandise and i have not received anything yet and today is XX/XX/XXXX. i called acima they were very unprofessional and didnt give 2 XXXX about them taking money out my checking account knowing XXXX is right around the corner. this is completely fraud! i need help with removing this off my credit and for them to stop charging me for things i dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
1. My wife and I and our businesses have XXXX accounts with Wells Fargo. One is an XXXX ( XXXX XXXX account in Colo. ), 2 are mortgages, 5 are personal savings and checking and XXXX are business accounts for various corporations and partnerships.

2. After noticing that the checking ( account # XXXX ) and savings account linked to one partnership ( XXXX XXXX ) had failed to receive funds, we began researching and founds that Wells had closed the account. We called Wells and they confirmed the accounts had been closed and a check was sent to me on XXXX XXXX. It is now XX/XX/XXXX and no check has been received. The total between the two accounts is about {$31000.00}.

3. I received phone messages ostensibly from Wells on XX/XX/XXXX and XXXX and returned them on XXXX XXXX, at the number given in the messages. The person answering the call asked many questions - username, birthdate, account number, debit card number - after answering these I told the person I was uncomfortable as this could be a phishing scam. They said to call the number on the back of my debit card. 
4. I called the number on the back of my debit card, and was advised that Wells had not tried to reach me, the calls were probably a phishing scam and to monitor my accounts closely.

5. I then called the number on the website to ask about the status of the {$31000.00}. They were unable to answer any questions and recommended I call yet another number. I called that number and a recorded message said to leave a message.

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SLM CORPORATION
State: CA

Complaint narrative:
loan amount {$35000.00} denied on XX/XX/XXXX I received an advertisement from XXXX XXXX to apply for a pre-approved {$35000.00}. When my credit was checked they said my loan was pre-approved. Because I am self-employed I provided 12 Months Bank Statements to support my income. I was told I was denied because my debt ratios are too high. This would be fine if the statement was true. 

The fact is that my Income for the year was met with very few debts as evidenced by my Bank Statements and remaining balance. The High Debt ratio is false and misleading. There is no system in place to appeal false information and in addition, this places me in a position where now I have an inquiry on my credit report. It is a frustrating waste of time and effort. 

I believe that lending criteria should be clearly stated so that a Consumer doesn't wast his or her time and inadvertently reduce their Credit Score by adding inquiries to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Today, XX/XX/2018, I spoke with a Wells Fargo Bank representative. There were unauthorized transactions on our bank account. I disputed them, and read my email today. It said investigation was complete and I would get a letter explaining more about it. After checking my account, I noticed a credit of only {$22.00}, from Wells Fargo. Like I said earlier, I then called and spoke with a Wells Fargo representative. The agent noticed the amount was low, and said the amounts disputed were a few XXXX dollars. He referred me to a claims specialist. I spoke with a claims specialist, and she said, Wells Fargo can only credit the first 60 days of unauthorized transactions. The other amounts will take 45-60 days to see IF Wells Fargo can get it back. She said it is because it is through the Merchant directly, that is why it takes so long. I felt like something was wrong with that Picture? That is why I'm reaching out to you, so I can have my claim expedited. Still {$400.00} that Wells Fargo hasn't credited me back. Again, my email from Wells Fargo, did say, that an error had occurred on my account, from unauthorized transactions. Please help me, and Wells Fargo expedite the situation! Thank you.

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 2018-12-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 after obtaining my credit report I contacted Experian Credit Reporting Agency via phone call regarding inaccurate information on my  report. Errors such as variations and misspelling of my name, addresses that belong to family members that i have never resided with and addresses i have no association with at all. In addition to inaccurate and outdated remarks, payment statuses and history on accounts that have been included in a bankruptcy that has been discharged, i also found unauthorized inquiries. The first representative i spoke to advise me that they do not investigate inaccurate information and i needed to contact the federal trade commission. I asked to speak to someone in a higher department who than said that some of the information can be disputed but not all. After some back and forth she agreed to transfer me to a department that handles disputes and was going to take care of my concern after she places a security fraud alert on my file. I resisted and she insisted that was the only way to dispute the errors and transferred me to a representative who than informed me that a security fraud alert has been placed on my report and that i needed a police report and i can not file a dispute. I ask to speak to a manager and one wasn't available although i was willing to wait how ever long.

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 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. 

My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. 

It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Refusal to comply to questions regarding Predatory Lending violations of CT Predatory lending law by telemarketing. 
No mortgage protection insurance offered to 2 elderly people aged XXXX and XXXX years of age. 
Refusal to release information of 2 telemarketers : XXXX XXXX XXXX XXXX XXXX. 
Refusal to release transcript of telemarketers. 
No offer of better program to suit an XXXX & XXXX year old couple except to offer a XXXX yr.refi. which an XXXX & XXXX yr. old would never live to repay and render the one survivor into foreclosure or homelessness on one monthly social security stipend. 
No attorney present to answer borrowers questions. 
Parents are now deceased & their home was quit claimed to me. I made payments for 3 and 1/2 years until learning of the loan 's fraudulent inception and began asking questions to no avail. That is when I ceased making payments. 
However, under stress from Wells Fargo I offered {$20000.00} as a " short pay off '' from a reverse lender. Wells Fargo refused the offer. The XXXX loan was for {$81000.00} & the {$20000.00} offer would have brought the loan to {$91000.00}.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to see a copy of my credit report from the XXXX XXXX XXXX website. Equifax, XXXX, and XXXX all would not show me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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.

Complaint narrative:
On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
SETERUS, INC. CROOKED SERVICER ON MY MORTGAGE. WHILE I HAVE NO PROBLEM PAYING A LATE FEE BUT I AM NOT PAY FOR WHATEVER CHARGES THEY CONTINUE TO PUT IN THE MISCELLANEOUS COLUMN. NOW THEY WANT TO CHARGE ATTORNEY FEES FOR WHAT? WHEN DOES SOMEONE INVESTIGATE THIS COMPANY? 
I WAS XXXX IN XX/XX/2018 FROM A CHAPTER XXXX, THIS COMPANY CONTINUES TO CHARGE PROPERTY APPRAISAL MONTHLY, NOW THEY START CHARGING ATTORNEY FEES. FIRST OFF I DO NOT OWE THEM NOTHING BUT MY MORTGAGE. THEY CONTINUE TO TAKE MY MORTGAGE TAKING ALL THEIR ERRONEOUS FEES FIRST WHILE THEN THEY SAY MY MORTGAGE IS LATE. I AM SICK AND TIRED OF THIS! THIS COMPANY IS A ONE STAR RATING WITH MANY COMPLAINTS! NOW THEY ARE PUTTING MY ACCOUNT BACK IN THE RED RITE AFTER I GOT ALL THIS XXXX CLEARED. I AM NOT PAYING ANYMORE LEGAL FEES FOR THESE CROOKED THIEVES. I HAD A CLEAN ACCOUNT AS OF XXXX, BANK STATEMENTS AND A XXXX FOR THEM TO THREATEN ME IN XXXX FOR SOME DOCUMENT I COULD NOT FILE AND MY ATTORNEY SAID THE CASE WAS XXXX BUT SETERUS INC THREATENED TO ACCELERATE MY LOAN IF I DID NOT PAY THEM {$2000.00} FOR WHAT? WHO IS GOING TO LOOK INTO THESE PEOPLE AND THEIR FRAUDULENT ACTIONS AGAINST SOMEONE JUST TRYING TO PAY A MORTGAGE? I OWED NOTHING IN XXXX AND XX/XX/2018 NOW THEY KEEP ADDING ATTORNEY FEES, I PAY MY MORTGAGE THEY TAKE ALL THESE FEES THEN MORTGAGE IS LATE? I WANT THIS STOPPED

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a personal checking account and a business checking account tied together, my business checking account has the largest funds and transfer money into my personal checking when needed almost like a direct deposit. 

Chase approved an ACH transaction from XXXX XXXX of {$20.00} and charged me a {$34.00} late fee, I spoke with a representative last time who said this wouldnt occur again as they would decline the transactions. 

Instead I was charged and was unable to have the NSF charges reversed, Ive been banking with chase for ages and have 3 accounts. 

I pay monthly service fees on all accounts and dont complain whatsoever because Im not supposed to be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, XXXX, and transunion all would not show me my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, experian, and XXXX all would not show me my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/XXXX and XXXX after the XXXX deal with charges on my card I lost my card in the process the bank allow someone to deposit of mobile Bank check treasury check on my account and also the allowed this person to credit back payments that I have already paid and now I am about to get evicted from my home my car is not working the about to take it my XXXX is not in daycare is like supposed to be and I'm not at work like I'm supposed to be because of all this situation is taking place I've been begging them and Beggin

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: OH

Complaint narrative:
I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
To whom it may concern : I have a collection account on my file from a collection agency named XXXX XXXX XXXX, the accounts are as follow, XXXX. Please be advised that I am disputing this collection due to the fact that XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX does not currently have a valid license in Texas to collect on debts. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical that XXXX XXXX XXXX are licensed in Texas. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 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: DISCOVER BANK
State: FL

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place

Company response to consumer: Closed with explanation