vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This morning, XX/XX/XXXX, I received an alert at XXXX telling me that my account was overdrawn by XXXX and that an overdraft charge " transfer '' fee of XXXX was applied to my account. I contacted the bank at approx XXXX EST and was advised, in short, that my account was overdrawn because of a transaction that posted as pending from my account on XX/XX/XXXX ( amount of the transaction was debited from the available balance ) but was subsequently removed from pending on one date and posted to pending another date. I advised the representative : 1. I advised Wells Fargo 1+ years ago that I did not want to be enrolled in overdraft protection, 2. The amount that was available to me did not go below XXXX. I actually had a receipt showing my balance from a XXXX XXXX ATM on XX/XX/XXXX, and 3. That only 2 weeks prior ( XX/XX/XXXX ), I had a similar situation occur where Wells Fargo did not apply the overdraft to my account. Instead, an option to deposit the residual funds was provided to me. The representative advised me that Wells Fargo did not offer such options and that maybe their systems had been hacked. She then advised me that the bank would not allow me to remove the overdraft option from my account at all!!! I proceeded to advise her that I had email and pictures to support my claims and that the bank could not MAKE me participate in an " optional '' service that I did not want to participate in. I advised her that my account, in truth, was only overdrawn because Wells Fargo charged me an " overdraft transfer '' fee of XXXX. I told her by simple mathematics, the transaction ( which was {$36.00} ) could not have resulted in a negative balance of {$7.00} if the bank applied {$10.00} and a {$12.00} fee. My account had XXXX in it prior to their intrusion. I feel extremely violated. In fact, they did not send me an alert until XX/XX/XXXX at XXXX. It feels like this was intentionally done so that I could not make a timely deposit. I complained that this is the reason that Wells Fargo is now involved in a class action suit and is being restricted by the government to operate profitably. She then advised me that she would have to connect me with corporate because I made comments regarding their pending law suit and regulatory restrictions. She transferred me to a number that just rang. I disconnected after 3 minutes. They still have not removed the fees or charges. They should not be allowed to continue operating under such deceptive practices. I am going to contact my senators and House reps with this complaint as well. ( see attachments of all my supporting documents )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed from my credit 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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: NJ

Complaint narrative:
Hello, I had inquired about HARP a while ago. When I found out that it would not benefit me, all of the companies stopped calling but this number continues to call me, XXXX XXXX XXXX XXXX. I am not sure but I believe the company is XXXX XXXX in XXXX, NJ. They left me a voice mail today which included, '' XXXX XXXX XXXX ... I am going to keep calling. '' Please stop them. 

Thanks.

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 2018-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solutions To Portfolios, LLC
State: AZ

Complaint narrative:
Been called once a day for last month by some guy named XXXX with XXXX XXXX being rude and loud asking about my title loan which I have talked about with XXXX XXXX already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

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 2018-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX obtained lawyers to sue me about a student loan debt and they also turned my account over to Transworld Systems for collections. They are reporting to the credit bureaus monthly that the debt is delinquent and have never notified me of the debt. I obtained a lawyer for fight my lawsuit with XXXX XXXX but don't understand how they can sue me and use this collection agency to ruin my credit. I just received a letter from my attorney for a stay in my court case. But as of XX/XX/18 this collection agency has reported again that I'm delinquent and for an amount that I know is not correct. I asked my attorney to have them prove they owned this debt. I have never received anything from Transworld to dispute this debt. They have never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I never received documentation regarding this debt from Hunter Warfield. Upon noticing they were reporting on my credit report I called to ask to verify the account information. The collection agent verbally told me about charges that do not belong to me. After stating that the charges did not belong to me I requested the account information to be sent to me to verify the debt ( this was a verbal request ). I never received documentation I requested. I contacted a lawyer for assistance, my Lawyer sent out a letter disputing the charges with an offer that I provided in lieu of removal. The letter was sent XX/XX/2018. I have not received any information regarding this account to verify the false debt. I check my mail daily for this information. Although, I disputed the inaccurate information being reported on my credit report for a debt I do not owe, the company continues to report this on my credit reports which is against the law. I request immediate removal from my credit report for proving inaccurate information that is stopping me from gaining approval on credit applications.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASH AMERICA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: CA

Complaint narrative:
the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix action.

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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting on my credit report and continuing to re age the account. I opened an account with them in XXXX and closed it either late XXXX or early XXXX. I don't recall having a balance after closing it. Now its reporting on my credit report as being opened in XXXX. This would be impossible since they went out of business in XXXX. They were took over in XXXX by XXXX XXXX which is the name they are reporting under on TransUnion. Then they were completely transformed into what is now XXXX XXXX XXXX XXXX in 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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: OK

Complaint narrative:
XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS COMMITS FRAUD BECAUSE THE BANK IS A TOTAL FRAUD THEY THEY CO-CONTRACT WITH ; ; ; ; ; ;,,, SEE EVIDENCE HERE,,, XXXX WANTS TO XXXX ME AND THEY USE XXXX TO EXTORT THE FUNDS,, XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something 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 2018-02-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2016 someone applied for credit with XXXX without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Bank I did not add overdraft protection to my account when it was started. Wells Fargo had to open a new account after mine had been frauds. The new account was to exactly the same as the original that had been opened. The Bankers over the XXXX XXXX had handles the new account opening after my old account was frauds. The representative added overdraft protection without my knowledge. This resulted in Wells Fargo charging me overdraft protection fees when Wells Fargo tranfured {$9.00} from my savings to checking to cover XXXX. They then charged me an overdraft protection fee of {$12.00} causing my checking to go Negitive {$12.00} in witch there was no more money in my savings to cover. Then Wells Fargo would have charged me another {$35.00} for totaling {$47.00} in fees all of witch would have been negitive in my account had I not of fraught for two hours and been hung up on twice to have removed. They refused to take me seriously until I mentioned the CFPB and that I already knew all the Fraud that had been taken place with Wells Fargo. The even told me I had no right to record my conversation with them even though the law states if they are recording me they then can not expect any right right to privacy because they are already swear they are being recorded. This Bank should be closed and sold off! No more to big to fail!

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 2018-02-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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