vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
on XX/XX/2019 I made a cash advance from a WELLS FARGO credit card to a WELLS FARGO checking account. I also have a large sum in my retirement accounts at WELLS FARGO. They charged me a fee of {$500.00} for this transaction that is in addition to the high interest rate they will charge monthly, and the interest charge I accept. l think this is such poor customer service and I feel practically like I have been scammed. I am sure there was some small print which I did not understand to be In Addition to the monthly interest charge. Also, in past months I felt I May be one of the names used for a fake account by them but strangely I could not access that information or add my name, for reasons I did not understand. I called customer service when I saw the charge of XXXX added to my balance and a supervisor ( XXXX ) says basically.. too bad, so sad, can not help you. No assistance was given. The main reason for my aggravation is that this transaction was all made within the same financial organization, Wells Fargo, I feel that this charge is excessive, that I was not properly informed, and an example of taking advantage of customers.

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 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I contacted my mortgage company during the Summer I was having issues with payment ( XXXX XXXX XXXX ) They told me I could file for a loan modification. So I got the ball rolling on that. About XXXX I was told my loan modification fell thru do to not submitting all the paper work. I talked to XXXX and asked how to fix this and was told to resubmit. So I resubmitted all the paper work. In XXXX on 2019 I was told I was approved for loan modification. I was to make 3 payments on time starting in XX/XX/2019 of XXXX dollars and some change. Then I was told my loan is with a new servicer ( SP servicing ) I called this new company in XX/XX/2019 and asked about the loan modification and how to handle this. Was told SP didn't have the paper work and to wait 60 days till they got all the paper work. So I waited a few weeks and tried calling again. Still nothing. So I called XXXX and they told me they should have received all the paperwork. I called sp a few more times and wrote a couple e-mails. The company has never responded. I explained I was worried I would miss my deadline for my trial loan modification. They didn't seem to care at SP servicing. I was in foreclosure and that was all they cared about. The customer service is XXXX. When I asked SP what to do they said wait till they get all the paper work from XXXX. I felt by then my trial loan modification would go down the toilet and I would loose my home. To this day I have never received a phone call or e-mail from SP services. I wish XXXX would kick them too the curb and take back my account

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
We bought our house in XX/XX/2018 loan from XXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this.

3> affected our credit score and not taking any action to let us know or clear this.

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 2019-03-28 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 — Investigation took more than 30 days
Company: CORELOGIC INC
State: NJ

Complaint narrative:
We bought our house in XX/XX/2018 loan from XXXXXXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

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 2019-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to 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 non-monetary relief
Consumer complaint received 2019-03-28 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: NJ

Complaint narrative:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: NJ

Complaint narrative:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct

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 2019-03-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
showing inaccurate items on my credit that are not mine federal law said you have the right to dispute items that are not correct

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX2019 I sent Equifax a copy of my police report proving that I had some identity theft on my credit report. It has now been 30 days and I still have not received a response and these fraudulent accounts are still listed on my credit report. I have attached a copy of my police report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My mortgage loan servicing was sold to Shellpoint Mortgage Servicing by XXXX & I received a letter from Shellpoint Mortgage Servicing, ( SMS ), on XX/XX/XXXX informing me that they are my new servicer! On XX/XX/XXXX I received another letter from SMS stating that I was two months behind & had not made my XXXX or XX/XX/ 2019 mortgage payments. When I called SMS I was informed I owed {$2400.00} which included past due payments of XXXX, servicing fee of XXXX, NSFI fee XXXX & an unapplied balance of ( XXXX ) & XXXX  only transferred XXXX dollars for my impound Balance! SMS had placed my account in their loan mitigation department & are attempting collect a debt. I did make my XXXX and XX/XX/2019 payments to XXXX. On XX/XX/ 2019 I emailed, XXXX ' and faxed XXXX XXXX XXXX, SMS a copy of both my mortgage payment checks, front and back, showing that XXXX had cashed my checks. When I called SMS on XX/XX/ 2019 to get an update I was informed the email and fax number incorrect. I emailed & faxed the same information the new information, XXXX & XXXX XXXX XXXX, provided. It has finally been uploaded into SMS 's system! 

Thirty days have been wasted & they won't move my file out of their lost mitigation department to customer service, I was not behind on my mortgage payments! I am not going to make any payment to SMS until they rectify my account. They will not escalate my file or allow me to speak with a manager or supervisor! They will not give me a time frame in which this mess will be resolved! I am being told that they are waiting on XXXX to determine if my payments were made even though I have given them indisputable evidence that XXXX received & cashed my mortgage payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to 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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: WI

Complaint narrative:
XXXX XXXX XXXX is a fradulent school that was shut down by the school board. 

I had attended XXXX XXXX in XXXX for about 2 months. They told me and my dad i did not qualify for complete financing and that we had to get a PRIVATE loan together through XXXX XXXX and that we would have to pay the full tuition upfront and if i ever wanted to come back i could if i needed to take time off. So i had gotten a new job around the time i started school and it became to much for me to juggle. I stayed with the job and im still with the same company to this day. XXXX i had tried to go back to school but they requested another XXXX XXXX private loan pulled out for me to go back to class. in which i already payed XXXX for 2 months. Me and my dad had contacted the school multiple times after that to have whatever was left of the money we paid to be returned to XXXX XXXX. Ignored our calls and never got a response. They had now shut down the school for fraud and i am here years later still owing XXXX JUST IN PRIVATE and XXXX in Federal aid for fraudulent schooling who stole money. Ive tried everything to get some help about this situation and i cant catch a break. I have been paying 300+ a month for the last 6-7 years and XXXX XXXX told me i  still have another 22 years before its paid off. 


As far as documentation i have the loan papers from XXXX  XXXX  and getting a hold of anything XXXX XXXX to get my actual school documents is going to be impossible. Any other information needed please let us know so we can try and get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Services I never received I would like to be refunded. I never received services. They rebilled me for services stating they refunded me and XXXX   rebilled me. The said they never rebilled. Im seeking a full refund and any fees associated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to manage security freeze online on equifax website. 
I was able to login but when trying to manage the freeze I got message that additional identification information is needed. 
In equifax customer center I was told that I need to send copy of my driver license and copy of my social security card. 
So from last XX/XX/XXXX(! ), every two weeks, I'm sending this documents to them but I still can not manage my freeze online. 
Customer service is saying that documents are received, and then asking again to send them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019, there was a loan supposedly taken out under my name and social security number with XXXX XXXX XXXX. However, I never took a loan out with them. When I contacted them to see what was going on the representative on the phone asked me, " ... if I had been shopping around online for payday loans, because sometimes people go online to look at their loans and inadvertently take out a loan. '' I don't see how having a system where you can accidentally take out an extremely expensive loan is even legal. I don't recall applying with them and I certainly never signed any documents. Thankfully I caught it before too much damage was inflicted. This seems like it's a scam.

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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
There was a debt was on my XXXX account in XXXX of XXXX of {$960.00}. I disputed it online and with a certified letter, and within 30 days it was removed. The creditor, Ability Recovery Services, and the credit bureau has now reinserted it back on my credit as of XXXX, XXXX XXXX, and I was not notified of the reinsertion. I spoke with XXXX, and they understand that it has been reinserted and that I was not notified, but refused to remove it from my report. Ability Recovery Services, and the original creditor has never sent me a bill, statement, or documents stating that I owe this. I have no proof that this is my debt whatsoever. Furthermore, the dispute agent from XXXX seemingly accused me of this debt, stating that either it was indeed mine, or I was victim of identity theft. Either way, this was reinstated and I was not notified in writing within the 5 day time period. It is now XX/XX/XXXX and this was reported XX/XX/XXXX, so they have had plenty of time to send me a letter, but when I spoke with them, they disregarded that and stated they would only dispute it again.

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
I keep receiving a collection notice from Receivables Performance Managemant LLC. I have sent multiple letters requesting verification and they refuse to send me any information. The Debt is from XXXX and I have never had a XXXX phone.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Mortgage payments not being reported.

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have tried to remedy the issue that XXXX XXXX caused as XXXX XXXX indicated to me that Equifax could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XXXX was on my report. XXXX XXXX is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XXXX. I expect that the debt for XXXX placed by XXXX XXXX to be removed as all the requested documentation is included in the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I got an AMEX Gold card that carries an annual fee of {$350.00}. I closed the account before the promotion ( 1st year fee waived ) ended in early XX/XX/2018. But I was billed for the annual fee AFTER the acct has been closed. I have called AMEX after received the bill, and AMEX promised to stop the erratic bill. It has been over a year since then, and I still receive the bill for {$350.00}, yet the bill shows that the acct has been closed. I called AMEX last month, the rep claimed that the fee can't be waived. I requested to speak with his supervisor. He told me that his supervisor will call me within 24 hours. The call never came, and I still continue to receive the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I have an installment loan with OneMain Financial and am late paying as of XX/XX/XXXX because we have a loss of income through my husband. I have told OneMain Financial that we are trying to catch up but can't at the moment. They have called my work office every day ( dates XX/XX/XXXX - XX/XX/XXXX ) since I have been past due and call 3 to 4 times a day even after I asked to stop calling my office. I have also sent an email directly to OneMain to stop calling my office but the calls continue.

Company response to consumer: Closed with explanation