vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I applied for a personal unsecured loan with Wells Fargo Bank. I applied at a branch and the application was sent to the central underwriting department. A few days later, additional information was requested and then provided by myself and the banker who had assisted me. The day after that the loan was declined with no counter offers. A few days after that, I received my " adverse action notice '' letter explaining the reason for the decline. The primary reasons for the decline was " too many credit products open '' when this was specified as a " debt consolidation '' with the account numbers and balances provided during the initial application to consolidate and remove several of the " open products. '' " Too many open products '' was exactly WHY this loan was requested. The other reason for the declination was that I " had too much available credit line open '', basically that I had too high of available limits on my current credit cards and line of credit and it was considered too high of a risk. THEN, I received a letter a day or two after THAT stating that my credit card, WITH WELLS FARGO, was given a LIMIT INCREASE. So aside from the illogic of the first declination reason, this one was a self fulfilling decline because I was declined by Wells Fargo for having too much available credit while at the same time Wells Fargo increased my available credit limit. In the long run, the counter intuitive first reason as well as the blatant padding of the second reason caused nothing but damage to my credit for the " hard inquiry ''. I have attempted to reason with the banker and underwriter involved, and was told that there would be no reconsideration, no approval, and no counter offer of any sort. This just seems like an extremely unfair and damaging lending practice, particularly from being declined for a reason that Wells Fargo themselves caused during the loan process.

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 2019-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My current mortgage is with Planet Home Lending ; for several months I have been attempting to get an IRRRL as I am struggling with my current mortgage payment and before it was due to increase, I wanted the refi to close. I had to borrow from my 401K as I was not current and was told had to be current to move forward and once I was current and they were processing, I would not have a payment for 2 months. I did so, on the XXXX of last month, they told me they couldn't close and now i had to pay that month and in two days the current month - again, I was struggling with the existing payment, my husband abandon me a year ago providing no support, and had to come up with {$2000.00}. Now i am 3 month behind, can not process a refi, can not borrow and they will not help me until i am current. I do not want to lose my home, i just want to refi for my payment to be more manageable for me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX/XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I PURCHASED A CAR AT AROUND {$16000.00} AND I HAVE BEEN PAYING ON IT FOR 2 YEARS 10 MONTHS AND WHEN I ASKED THEM FOR THE PAYOFF THEY SAY IT IS ROUND {$16000.00}. I ASKED FOR PROOF SEVERAL TIMES AND I GOT NOTHING. I WENT THROUGH XXXX XXXX XXXX GA AND WAS NOT TOLD ABOUT THE AMOUNT OF INTEREST THEY WERE PUTTING ON ME. I MAKE MY PAYMENTS THROUGH EXETER FINANCE. THEY KEEP STATING THAT I ONLY BEEN PAYING ON THE INTEREST FOR ALMOST 3 YEARS. SO I AM PAYING FOR 2 CARS REALLY WITH THE AMOUNT THEY ADDED ON TO MY LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I had my loans permanently discharged because of my XXXX in XXXX. However, a parental loan I took out in XXXX for around XXXX is now being garnished from my mother social security check. She is also XXXX from a XXXX she had in XXXX. We have told them about TPD but they continue to garnish her SS check. We need help resolving this issue. They are refusing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent out a number of disputes letting Equifax know that i can not see my credit report, and scores. This is due to it being frozen, or something to do with fraud ; but either way I did NOT request this. From my understanding, and in order to freeze your report, you need to request this. Again, this has NOT happened and I am in the process of being approved for a home, and i can't get my Equifax credit report anywhere. I have tried with XXXX and others, but nothing. 

Fix this please please please. I beg you. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I had unauthorized money withdrawn from my XXXX account to USBank confirmation # XXXX to pay off a XXXX XXXX. XXXX and USBank must have the information who these cards and accounts belong to and therefore they are the one who conducted the theft of XXXX out of my account as well as unauthorized payment to XXXX XXXX {$5700.00}. 
Neither XXXX XXXX nor XXXX will respond to my inquiries.

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 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
A one-time international transfer of {$1600.00} ( including {$25.00} fee ) was authorized on XX/XX/2019. 

THREE deductions of the above amount were made by Ria on XX/XX/2019 from my bank account resulting in an over-drawn account. 

TWO of three transactions were NOT AUTHORIZED. 

How is Ria Financial deducting triplicate amounts when only one was authorized? Aren't there controls in place to transact only upon validated authorization and catch duplicate/triplicate transactions ( a simple system solution )? 

I called my bank and immediately connected to customer service, notified them of unauthorized withdrawal and started a fraud investigation. 

I tried calling several phone numbers published on Ria Financial 's website and either got dropped off the line or put on hold for 1+ hour at least 4 times! I submitted an electronic inquiry on Ria Financial 's website to reach them by email. On one of the calls, I finally got through to the Ria agent who could not explain how the triple withdrawal occurred, but confirmed that it impacted ALL CUSTOMERS. Ria agent said that a refund will be made for the two of three deductions within 2-5 business days. Given that Ria 's unauthorized withdrawals resulted in my bank account having XXXX balance, it was of little comfort that it would take up to a calendar week to get money back! How am I supposed to pay my bills in the meantime?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The three credit reporting agencies which are Transunion, XXXX, & XXXX   have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Working with Quicken Loans to refinance our home and pull some of the equity out to pay off credit card debt. This house was originally bought by my partner, solely in his name, but during the refi, we were going to add me to the mortgage. We were told this would be no problem. Quicken represents themselves as a " no hassle '' mortgage company, however, in their haste to have people sign documents and upload them directly to their app, they have forgotten one very important piece : information. Not once was any of the documents they asked us to sign explained to us and when I called the broker whom we originally began working with, he told us to call the customer care team. The customer care team, of course, knowing nothing of our situation ( or having any basic customer service skills ) could not explain what the documents meant and we were told just to sign them because it would hold up closing otherwise. 

We were supposed to close on Monday, XX/XX/2019. They asked my partner if it would be okay to run his credit again since it would be " expired '' prior to the closing date. He gave permission. In adding me to the loan, they had already run my credit within the previous 2 weeks. I got an alert that they had also run my credit again. I did not give permission for them to do that, nor would I have, knowing that a hard inquiry would lower my score. I addressed this with the broker, who said she didn't mean for the credit team to run mine as well and she was sorry. Sorry that her mistake has now effectively lowered my credit score? That is not a mistake that you can just take back. It lowered my score 10 points because of the back-to-back inquiries! Yes, I can dispute it with the credit card companies, but why am I left holding the burden of time and energy spent to do that when Quicken made the mistake? Isn't it unlawful to run someone's credit without their permission or knowledge? ( They did this on XX/XX/19 ) If only that were the primary issue. Absolute lack of knowledge, communication, consumer education, and ethics plague this company. Needless to say, we terminated business with them and are no longer refinancing through them. We are out our {$500.00} appraisal/good faith money, have damaged credit scores, and nothing to show for it. 

I have correspondence with the broker, who fully admits that she did not intend to have her 'credit team ' run my credit again. This is illegal and unethical and I intend to seek every avenue possible to make sure this doesn't happen to any body else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.

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 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have been in contact with this company for quite some time and I'm not getting anywhere. It si not fair for doctor office to sell your personal health information to collection agency because they failed to bill my insurance in a timely manner. I did have XXXX and XXXX at the time of service with XXXX XXXX, in which they did have have. I've contact 1st Federal Credit and they would not assist me stating they can ' locate my account one minute then the next minute they locate it but can't explain how i owe the bill. They advise me to go back to the doctor office for assistance and every time i contact them i have to leave a voicemail and never receive a call back. They are over charging me and has added this to my credit file. I have 2 charges for {$62.00} and one for {$140.00}. This is getting so frustrate, I also file a complaint with FTC as well. I really need assistance with this. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXX XXXX  has been attempting to collect a debt on behalf of Macy 's that was paid in full to Macy 's. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from Macy 's and rectify the outstanding debt. We received the information from Macy 's for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to Macy 's on XX/XX/XXXX and deposited by Macy 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, Macy 's offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that XXXX is performing collection practices that are outside of FTC regulations and local ordinances.

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
I have change the auto pay account twice when I change banks, they still have the old account they kept making payments from the old account, and since the account is closed there is no reason to check statements other than to make sure payments are being made of course I didnt see this till month later I am over this bank and theyre sloppy practices

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 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have told Convergent Outsourcing that its been fraud on my account and I never had anything to do with this company. They said its a paid balance on my account but its not gone be removed off my account. They told me to get a police report made they it can be ease since it no balance. Then they said it cant be taken off it stay on forever. I then call the credit bureau and no one is moving this off my credit so I can get a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Khoury Alternative Claims Management
State: CA

Complaint narrative:
On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to XXXX XXXX XXXX at this point. 

On XX/XX/2019, XXXX XXXX XXXX sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since XXXX received this debt for collection and XXXX XXXX XXXX added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified XXXX  that I hereby dispute the validity of the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I contacted Barclays at XXXX XXXX  XXXX, XXXX DE XXXX in ref to account ending in XXXX to resolve an error of late payment that was reported to credit bureau as well as intentional misinformation by their customer service which is documented in my initial letter ( and in barclays system, phone call is recorded ). The nature of error is that the credit card account number had changed associated with incorrect contact information. There was inappropriate minimal charge from a recurrent charge from previous card account number that should not have carried over and I was not notified of said balance and only learned of this by looking at my credit report. I contacted customer service in which their floor supervisor agreed with the nature of above explanation as to how mistake occurred clearly informed me that Barclays does not have the ability to correct this mistake which is false to facts. I then proceeded to contact barclays directly ( I addressed one letter to the president of bank ( which was given to me by supervisor spoke with exactly ) which was returned to sender however opened ) and they disrespected my concerns ( they did not do any investigation or reported of such - in their responding correspondence as attached ) blatantly and proceeded to close my account without notice. This behavior I suspect is quite unethical and possibly illegal. I would wish to be able to resolve this and remove their injurious effects to my credit standing. 

This level of injustice is not acceptable and I am willing to expend effort to contact editors at XXXX, XXXX, XXXX to report this unethical business conduct so that other consumer may be aware.

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