vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased a piece of jewelry from a store in  XXXX  and they provided a 15 month no interest loa n from    XXXX   XXXX   XXXX   XXXX  . I paid starting in the first month and had all but {$900.00} of the {$12000.00} paid off in 15 months and was about to make the last payment when I got a bill for {$3400.00} in interest. My understanding from the salesperson was that I would have a high interest rate on any unpaid balance like every credit card I have and I have very good credit. Unfortunately the fine type says you are charged interest on the entire amount of the loan even if you only owe a little. I have never heard of a credit card that works this way. I paid it off and would be ok with the interest on the unpaid balance but wells fargo is charging interest on funds I paid over 15 months ago. They offered me a 15 % discount if I paid immediately today. This still cost me {$3000.00} in interest on a loan that was paid off. This ca n't be fair business practice

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 2017-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I traded my  XXXX   XXXX   XXXX  to  XXXX   XXXX  on  XXXX   XXXX  and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed  XXXX  after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy  XXXX  and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER  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 2017-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a dispute on  XXXX  disputing some inquiries on my credit report. Transunion completed the investigation on  XXXX  and sent me the results. The problem that I have with the investigation is that they did not fully investigate my issue. When I go the results I called Transunion and asked them why did they not address all of the issues within my complaint and they told me that I had to contact the company. I told the rep that you cant pick and choose what parts of the complaint that you want to address. In accordance with the law you have to investigate and report back your findings on every item that was disputed.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Constant refusal of  XXXX   XXXX  to modify my loan to offer mortgage assistance to me.     I was told my  XXXX   XXXX  today conversation on  XXXX   XXXX ,  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX  of the President that no matter what income I submitted, documents I provided even if I qualified and no matter what I did that  XXXX   XXXX  would never review my documents nor approve me for a modification. This was all stemming from the time it took  XXXX   XXXX  too long to respond to my request for a modification I tried to accept the modification but it took so long that I had no alternative but to sell my house so by the time the modification went through, and I received the modification and tried to take back the offer the buyers began to sue me I was already in contract to sell my house and it was not until I resolved that lawsuit was I free to even take a modification or it would have wiped me out financially and I am a realtor and I could have lost my license. ( see case..  XXXX   XXXX   XXXX   was well aware of this. Either way there was no way to know if th is was even a true offer for a true modification and I have a letter from  XXXX  ells Fargo  stating that I have never been approved for a HAMP modification at this time. Then on  XXXX   XXXX  I applied for a HAMP modification and was denied again even if the reason for denial was the income $  XXXX /mo stated in their letter dated  XXXX   XXXX ,  XXXX  did qualify me for a more than 10 % reduction of my monthly payment ( current monthly payment {$2500.00}, according to the HAMP rules. It would have reduced my payment by 12 % which would allow me to start making payments on my loan which I currently am not allowed to make.

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 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
An eviction record has been placed on my report.   I was not evicted and the lease was terminated through a bankruptcy proceeding.   Bankruptcy case #  XXXX .   Bankruptcy case was officially discharged.   Local eviction case was dismissed in local court but the record is still showing on my report.   Apartment community  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX , GA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: NC

Complaint narrative:
I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: CA

Complaint narrative:
XXXX   XXXX   XXXX  has failed to provide or ma il Proof of Contract or Documents with my signature for t he alleged item in dispute. Also, the balance is incorrect. Please Delete and Remove the alleged item, which is causing emotional stress and mental stress. I have attached documents for your review showing the correct balance. 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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX   XXXX  from  Citi b ank has closed my accounts from several years ago and will not reopen them. even though I have perfect credit. He is discriminating against me for being a victim of fraud. A few years ago my card numbers were stolen, I reported this t o Citi  bank and told them I never received the service or merchandise for these fraud charges. Instead of helping me out, like they have a duty to, especially me being a victim of fraud, they closed my accounts and are fighting me to reopen them.    XXXX   XXXX  responds saying I intentionally misreprested some disputes, he is  WRONG.. tho se are valid fraud charges. He is basically calling me a liar and siding with the merchant. This is wrong and illegal. I have proof I never made those charges, yet he discriminates against me for being a victim of fraud. this is not right and could turn into a class action issue, I have researched  Citibank has been doing this to thousands of people.

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 2017-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Paid of f Citi Diamond pr eferred credit card balance in  XXXX   XXXX . Have not used card for purchases in years nor have I enrolled in any Payment  Protection Plan  or auto pay. In  XXXX   XXXX   Citi  Bank auto withdrew {$28.00} from my checking account and emailed me stating that my online statement was available and that my next bill was due on  XXXX   XXXX   XXXX . As I write this I have been transferred to  10 times to 10 different people at Citi Bank in 3 hou rs time. No one can explain why there are {$850.00} in charges on my account and why after 2 years I am now being charged {$28.00} per month.  One  person told me it was fraudulent charges but cant tell me what they are, another told me it was Payment Plan charges, another told me it was because they have my address wrong. I cant even access the account online any longer to see what the charges are. They are asking me to write a letter explaining what I have tol d 10 people an d then they will look into my account because they do n't have access to my account before  XXXX  received a letter a couple of years ago stating I was part of a class action lawsuit regarding being charged for products I did n't sigh up for with  Citi  I have now been on hold for 58 minutes and counting. Ok  11  people and they just disconnected 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 non-monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is discriminating against me and opened a brand new business credit card for me and then literally shut it down 1 week later. This is wrong. I have perfect credit. they approved this account, I did not even get a chance to use it and they closed it.
I was a victim of fraud last year and Chase is discriminating against me and closed down all of my cards due to ME BEING A VICTIM > this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I took a personal check to my complex to pay rent, and I went to my bank later that day to deposit money into my bank & it has the available balance on the account & my complex did n't cash the check till  XXXX  that night. The night of  XXXX   XXXX . My check bounced, and I never got notified of this problem until my complex had told me it had bounced, now I have to pay an extra {$200.00} of late fee 's now I ca n't pay my other bills. I tried talking to my complex & they said they ca n't wave the fee to try and get the bank to pay for the late fee 's since it was on them. I tried calling them & they said there is nothing they could possibly do. All they could say was that they were sorry, I 'm just really frustrated because now I 'm  XXXX  $ short on my other bills. This is regarding chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security  Number. Th e said they where from  ARA Inc.  - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @  XXXX   XXXX   XXXX   XXXX . I did and it rang funny and never connected. The transaction over the phone happened  XXXX   XXXX ,    2017 and the  first phone call back was the  XXXX  of  XXXX .   On the  XXXX , a  XXXX   County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over  15 years old . Her name is  XXXX  and can be reached @  XXXX   XXXX   XXXX   XXXX . My letter was addressed to her with my information on the letter head.   This company collects your old debt for themselves. Who knows how many $ millions they have taken from people?   I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l   spoke with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am in a " rate-reduction '' program with Navient. At a whopping $  XXXX  nearly all of this goes toward interest because  XXXX  loans are at alarming rates up to 14 %. I borrowed a total of  XXXX  private loans while attending chiropractic school. I graduated   XXXX   XXXX   in  XXXX  of   XXXX   and over the course of the la st 7 1/2 yea rs my loan balance has INCREASED not at all decreased. I actually owe {$13000.00} MORE than what I borrowed at the end of   XXXX  . It has come to a point where my husband and I are struggling to make this payment as we have experienced a loss at our private practice due to the massive flooding that swept  XXXX  last  XXXX . Navient is no help. The call center representatives are not only rude and dismissive but undeniably unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report.   I also have proof that I contacted transunion about the dispute on   XXXX   XXXX   XXXX  and it is now   XXXX   XXXX  , yet I still have no word from them????   So this is addressed toward   XXXX   XXXX   and  National Credit System Dispute   Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on (  XXXX  ).   As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.     I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request ....     The following information therefore needs to be verified and deleted from the report as soon as possible :  NATIONAL CREDIT SYSTEMS  - #  XXXX  Status in Collection :  XXXX  Please delete this erroneous item from my credit report as soon as possible.     You guys are also false reporting on my   XXXX   XXXX   Account by reporting that I have missed several payments. However this is not true at all.       XXXX   XXXX   XXXX   XXXX   Account Type Credit Card Account Status Closed - Paid and Closed Opened Date   XXXX   XXXX   XXXX     Closed Date   XXXX   XXXX   XXXX     That 's the actual REAL information that you 're holding out against me.         Sincerely,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TFC Group, LLC
State: CA

Complaint narrative:
I have a title loan on my car. I fell behind in payments and the car was repossessed. I got the money to come current on my loan and get the car back. Trading Financial called a week later XXXX XXXX XXXX ) asking for the " next payment ''. I told the collector I just got the car back and I would n't be able to pay anything until the XXXX of XXXX. The collector agreed to the arrangement. 7 days later XXXX XXXX XXXX ) I got a call from a different collector who said she saw the notes on the account but the XXXX was too far in the future. I told her it was impossible for me to alter the arrangement because I would literally have no money until then. She said " ok, but collection activity would continue ''. I asked her to elaborate but she just repeated the statement and we ended the call. 6 days later ( Thursday the XXXX ) I got a call from a gentlemen repeating the demand for payment and I told him there was no way I could give anything until the XXXX as I spent everything to get the car back. After several questions by the collector I stated there was nothing I could do beyond what I had already agreed to. The next day ( Friday the XXXX ) I got a call from the same gentleman asking the same questions and asking if I could pay something. I repeated my arrangement and asked if they were going to call every day. He said " the collection activity will continue '' and " I 'll follow up with you Monday ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SKO Brenner American, Inc.
State: CA

Complaint narrative:
Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation