vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
XXXX / Wells Fargo has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called Barclay card on XX/XX/2018 and asked if they would honor me a credit line increase. Specifically asked, about their process. I have not been told that they are going to pull two hard inquiries. They pulled one on my XXXX and one on my XXXX. I called to dispute this issue and they said they do not have a dispute department. Please help me to get this two inquiries off my credit

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 2018-05-22 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX, I left my card at a XXXX XXXX gas station while purchasing gas. Since I was driving out of town, It took me an hour or two until I realized my card was not in my possession. I then immediately called the card member service and reported my card as lost/stolen. There was one unauthorized charge for the amount of {$3100.00} from XXXX XXXX   on my credit card. The fraud agent on the phone flagged that charge as fraudulent, told me I am not going to be held liable for this charge, ordered a new card to be sent out, and informed me of a declaration of fraud letter which I might receive in the mail that I'd have to sign and send back. Everything was good until I saw the charge got posted back into my account on XX/XX/XXXX. I immediately called the card member service fraud department to see what is going on, and I was told this is a mistake, it has posted onto my new card, since when I declared the charge as unauthorized, it was still pending, and that I will receive a credit back onto my account within 10 business days. I waited, and waited, and saw no credit on my account. Called the fraud department again after the 10 days waiting period was over, they told me they are going to request the credit to be issued back onto my card asap, and that this will happen on the next business day. I waited for another few days and still no credit for this fraudulent charge on my account ... I am tired of having to call every few days, hearing false promises, and then getting disappointed again. Please fix the issue.

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 2018-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am repaying a student loan through Navient. I am an XXXX member awards recipient. On XX/XX/XXXX I submitted a request to XXXX  to process a {$480.00} dollar payment to Navient. The payment request was accepted by Navient on XX/XX/XXXX at XXXX XXXX However the payment of {$480.00} has not posted as of XX/XX/XXXX. I believe that Navient is stalling the posting of this payment in order to allow the interest to accumulated unnecessarily. I want Navient to post this payment as of XX/XX/XXXX the day that it was accepted in order for a larger portion of the payment to be credited to the principal rather than the interest that is accumulating unnecessarily at this point. I have many times called Navient however since the call center is over seas, I have a very difficult time understanding the various customer representatives and am not given the in depth care that I require as a customer and am usually left with unsatisfactory outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
An original complaint was filed incorrectly including XXXX XXXX and Hillcrest Davidson and Associates on XX/XX/XXXX Case number XXXX with the Consumer Financial Protection Bureau. XXXX XXXX, based in : XXXX XXXX Corporate Headquarters.  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX somehow does not show up in any databases and is unable to be contacted by government agencies. This contract was canceled on XX/XX/XXXX and is documented by accompanying attachments ( 5 ). The purported ( erroneous ) debt was turned over to an outside agency - Hillcrest Davidson and Associates to collect. I received exactly one letter from them notifying me of this matter. I promptly placed a phone call and explained the situation to them. I was told that the matter would be purged from their records on XX/XX/XXXX by XXXX ( no other information would be given ) at XXXX XXXX EST. I have had an exemplary credit record up until this matter and have always paid my bills on time. Most recently having a credit score of XXXX until this wrecked my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am in the process of securing a mortgage and my bank representative did not get my credit report from Experian. On XX/XX/XXXX-XX/XX/XXXX the bank representative and I called several times to Experian and found out that my first name was appeared incorrectly in their system. So, I asked Experian to change my first name. XXXX, the supervisor of the membership service of Experian told me that he can not change my name as it is officially appeared as XXXX and their system can not include a name just with two letters. My bank representative and I talked with at least five employees at Experian by pointing out that my official first name is XXXX and that is appeared in all of my federal documents ( including passport and driver 's license ), employment records, as well as other credit reports ( such as XXXX and XXXX ).  However, Experian did not change my name. It is unacceptable that I might not secure a mortgage due to the negligence of Experian. But the surprising thing is that the supervisor of Experian membership service did not listen to my concern at all ( I reached to him after an hour of phone waiting ), but rather claimed that I talked with him last week ( which I did not ), and hanged up the phone abruptly.

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 2018-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2018 Wells Fargo and all assignees XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Responding to Wells Fargo answers from previous complaints Please be advised that the financial institutions answers does not change all or any of the original complaints against them nor the facts attached in relation to same. 

A ) The answers delegated and projected by Wells Fargo are evasive thou well intended Yet they do not in any way represent any solutions or remedy to existing problems generated and caused by them. 

B ) Wells Fargo does not offer or provide any decent solutions by showing and demonstrating their intent and contention of replies. 

c ) The more I see their documents the more I see corruption, the more I see their response the more I know the purposes of my complaints. 

D ) Wells Fargo you may deny the truth but the truth will not deny you E ) all and every complaint used against you did not come into existence because you did something right it actually proves you are still doing something wrong. 

F ) There is no word to accurately describe all of the fraudulent corruption you have practiced both passively and actively in your involvement and practices but rest assured its for certain Wells Fargo your day of correction and constant abuse is coming to an end sooner than you think, your biggest investors will testify against you perhaps that will refresh your memory, and the restitution you owe is greater than all of your investments combined. 


The foregoing is in direct reply to Wells Fargos answer in my mind its considered dejected and without merit. 


Sincerely : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Our house burned down on XX/XX/2016 and was a complete loss. As our primary mortgage holder, Nationstar Mortgage ( d/b/a Mr. Cooper ) was given a large amount of coverage funds from our insurer and put into escrow to issue disbursements for rebuilding our home. Nationstar refunded my wife and I the amount of the insurance proceeds above the balance of our mortgage. When we called Nationstar 's customer service/loss draft department, a representative explained that they were not entitled to keep more than the mortgage balance in the escrow account. We fired our contractor based on numerous violations of the construction contract and New Jersey consumer fraud statutes. Despite already having received insurance proceeds up to the mortgage balance, issuing a refund check to us and representing this was their policy, Nationstar has told our insurance carrier that additional insurance proceeds must be placed in their escrow account. They have also insisted that any funds they receive go to pay our former contractor, who filed a bogus lien claim against us. This leaves us with little money to complete the rebuild and will make our partially completed home essentially worthless. Further, our tax assessment after our house was destroyed was decreased by roughly 65 %. Yet Nationstar still takes their full cut of the original tax payment in our mortgage payment each month. We have requested reimbursement for their overcharging but have gotten no response. They have both reneged on and misrepresented their escrow policies while taking taxes beyond the prevailing rate after the fire. We are making our full mortgage each month while having to rent housing for our family. We are being bled dry and about to lose everything because they won't help us rebuild our lives and our home. Nationstar is intentionally and unconscionably forcing us into foreclosure and financial ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is in regards to XXXX and XXXX XXXX. A few months ago I paid off some older purchases that were coming up on the end of their promotional period ( or at least I thought I did ). However, when I went onto my account yesterday I found that I had several hefty finance charges. When I reached out to ask why, I was informed that they arbitrarily applied my payments ( over {$3400.00} ) to what they chose too and then hit me with {$800.00} worth of finance fees for the older purchases because the promotional time frame passed. At this point my entire outstanding balance consists of these fees. 

This is the automated response I received : " Please be informed that first, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. 
However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: NY

Complaint narrative:
There are hard inquiries on my credit report. 
I did not consent any of the Hard 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 2018-05-22 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: HW Holding, Inc
State: MN

Complaint narrative:
I did not track telephone calls/correspondences from the debt collection agency, Hunter Warfield. 

We began in XX/XX/XXXX writing letters to the creditor and collection agency and the Minnesota Attorney General 's Office ; the Creditor and I went to court in XX/XX/XXXX and the case was dismissed, nothing awarded to either party ; The Creditor and her attorney told my attorney that they contacted Hunter Warfield and said the debt is not valid and asked that it be removed ; they have not had further contact with Hunter Warfield and have not received anything from Hunter Warfield. I wrote Hunter Warfield a letter in XX/XX/XXXX enclosing correspondence from my attorney indicating the debt is not valid and asking they remove the debt from my credit reports and in XX/XX/XXXX I received notice from XXXX stating that Hunter Warfield verified the debt as a valid debt even though it was made aware by that time that it is not a valid or enforceable debt. 

My attorney has sent a letter today, XX/XX/XXXX again requesting they stop reporting it as a valid debt and to remove it from my credit reports. 

Hunter Warfield also reflects two different amounts as owing ( {$1000.00} and {$1000.00} ) and the Creditor and her attorney admitted to my attorney they do not know where Hunter Warfield arrived at the initial {$720.00} amount or how it has gotten to be over {$1000.00} or why it would show as two different amounts on my reports. 

This is hurting my credit score ( and has been since XX/XX/XXXX apparently ) and I am not able to open a business banking account until this is removed from my credit report which they are unwilling to do. 

Hunter Warfield has not had any communications with me or my attorney either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AK

Complaint narrative:
Santander has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
Yeah, I just got a XXXX 's Prepaid XXXX in the mail without requesting it and not being accepted by a company, that I'm aware of. The letter included that it was provided by the XXXX XXXX XXXX XXXX, but that sounds made up. Why do I have this card and how do I get rid of it?

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 2018-05-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
For the past 12 months I have sent information to Equifax asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from Equifax is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good day : The CFPB option, ''-which best describes your dilemma? '' provided is not adequate ; describing the reason, the name of my complaint against Citibank. H I have two accounts ; Money Market. Acct. number XXXX XXXX XXXX Checking Acct. number XXXX XXXX XXXX. 

Personal Banker. XXXX XXXX, Personal Banker. 
Citibank, NA. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX and her branch mgr stated I could not have POD 's on my accounts. 
Instead, they would be held in trust in the event I die. NONSENSE! 

The purpose of establish an account with a POD is to provide my son with immediate access to the money when I die. 

By leaving the two accounts in trust, the monies would conceivably be tied up for years before there was a decision made by the Judge / the Court. 
NONSENSE! Total investment ; {$15000.00}. 

This is OUTRAGEOUS! INVESTIGATE. This is a SELFISH ACT. 
TAKE ACTION IF MY UNDERSTANDING OF this dilemma is correct. 

Do respond one way or another. Thanks. 

XXXX XXXX. Ph. # XXXX XXXX. 
Screen name. XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I previously had an old collection for XXXX XXXX on my credit report which I diputed due to the account not being mine. the collection was deleted from my credit report in XX/XX/XXXX. In XX/XX/XXXX I received several notifications through my credit monitoring phone applications the I had a new collection on my credit report. Upon researching I noticed it was XXXX XXXX   trying to collect a debt in the amount of {$780.00} for XXXX XXXX. I have never had XXXX XXXX, so Disputed the collection and I got a response stating the collection is " accurate '', which it definitely is not, again I have never had XXXX XXXX services. Convergent is stating the debt is from XX/XX/XXXX which again is completely false. I tried reaching out to XXXX XXXX and was unable to get any information from 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 2018-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
this loan servicer was involved in not only adding insurance to my loan when I already had insurance through my main mortgage but dual tracking and trying to foreclose on my home. I have complained about this in the past and nothing seems to being done against them. I had a heloc with another company and it was handed to Specialized Loan Servicing, since I had filed a bankruptcy I received no statements from this company and was not aware my loan was due to mature. Additionally since I had modified my mortgage this loan moved to the first position on my home. I tried for 2 years to get them to modify this loan and through numerous sets of paperwork. There was always something missing. They put my home on the fast track for foreclosure and I had to file Chapter XXXX bankruptcy to keep my home. I reached out to a lawyers office who had filed a class action lawsuit against them for doing the same thing they did to me. The lawyer told me while they did agree this company was engaged in dual-tracking of my loan, but because the loan was a HELOC it didn't fall under RESPA. I believe the actions of this company were solely because of the amount of equity I have in my home. How can they still be doing business in California?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a transaction for {$76.00} with my bank, BBVA Compass, last Friday - XX/XX/2018. 

I've sent in two online messages since then regarding fees this transaction caused - and no one has responded. The transaction caused several others to return / bounce - and for each, I received a $ XXXX/overdraft fee. 

I just called in to customer service to find out the status of the dispute and the provisional credit to my account - and the agent I spoke with claimed to see no pending disputes on my account. 

He transferred me to the disputes department, and miraculously, the agent I spoke with claimed to be unable to hear me. Apparently my line had started chopping up all of a sudden - despite being in the same spot I was when I spoke with the agent before her. 

Since there's clearly no intention on BBVA 's end to get this resolved, I'll handle it this way instead. 

I need a credit to my account for the {$76.00} disputed charge as well as the four {$38.00} fees the transaction caused.

Company response to consumer: Closed with monetary relief