vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my home was destroyed by a tornado. I contacted the mortgage company, LoanCare aka XXXX XXXX  at that time. I requested a payoff statement per my insurance company request, and a check was mailed in XX/XX/XXXX for the full amount of the payoff ( {$48000.00} ). I called the mortgage company, and confirmed that the check was received, and that the loan was paid in full. My insurance company confirmed that the check cleared the bank on XX/XX/19. On XX/XX/19, I recieved a letter from LoanCare stating that the check was rejected, and was returned to me. I did not receive the check. I have made numerous calls to LoanCare, and have been told that the check was placed in a " suspense account '' in error, and the payoff would be rectified immediately. I sent a letter by mail and an email on XX/XX/19, asking that they apply the check to the account, with no response. I have waited the seven business days for a response, and have heard nothing. The check still has not been applied to the loan.

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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Name XXXX XXXX Bank Institution : US Bank Account # XXXX Routing # XXXX SSN XXXX I contact US Bank in XXXX to advise of fraudulent activity to my checking account. 
They advise of sending me another card and would research and refund the fraud charges. I contacted them again after receiving the new card but the funds had not been returned. They advise about sending paperwork. Still nothing.

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 2019-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Viewed credit file with Experian in reference to XXXX XXXX account showing charged off. It showed a charged off amount of {$5800.00}.

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 2019-08-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Viewed credit file with Experian in reference to XXXX account showing charged off. As of XX/XX/2019 the amount shows 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 2019-08-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Wallet stolen. 
Cash advanced made a several banks over a few days totaling over {$15.00} thousand no text, message, email received from USAA VISA asking if charges correct. Affidavit and police report submitted. XXXX XXXX calling me a criminal and that charges are my responsibility. I am victim of identity theft. Results of USSA has caused my credit report to tank. USAA has called my for XXXX demanding payment of fraudulent charges. No effort to check video of cash advances to prove it was not me. Unable to resolve through phone conversation and email communication and through mail to XXXX XXXX. 
Need your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Synovus Bank
State: SC

Complaint narrative:
On the dates of XXXX and XXXX of XXXX and XXXX of XXXX it shows as late payments on my credit report. On those dates I sent payment in but the credit card company stated they didnt receive the payment but when I reached out to my bank they said the payment was taken out. I called in and customer service rep stated they could have been having website issues at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Certegy Holdings, LLC
State: NY

Complaint narrative:
On XX/XX/2019 an unauthorized debit was made to our checking account in the amount of {$8500.00} The only information I have is that it was a credit card payment by phine to a company named Certegy Check Services telephone # XXXX I tried reaching out to company and no one picks up phone or returns my calls when messages are left. My bank which is XXXX tells me there is nothing they can do. This is very frustrating because it may just be a matter of someone entering wrong account number but I can't seem to get any information at all. 
This is a business checking 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Acceptance Inc.
State: TX

Complaint narrative:
United acceptance is saying that my Charge off account was in XXXX of XXXX. And it was ok current I XXXX and XXXX XXXX. This is not true or correct. XXXX  and XXXX has deleted this from my credit report in XXXX. Per XXXX  that I am disputing this on my credit report. My car was repoed In XX/XX/XXXX and charge off XXXX and was suppose to be deleted per XXXX  report as of everyone elses credit report XX/XX/XXXX. United will not send me an suppose payment that I didnt not make in XXXX no proof of payment I made. I didnt make a payment this is fraud and not correct and I want this deleted from my credit report. As my attachments you will see my complaint and bad ethics with this company. I will reach out also to my district office as well I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX account : XXXX XXXX   for two card chase for 3 card XXXX for 2 XXXX XXXX for 1 I returned to XXXX two years ago and I rarely return to the United States because my mothers XXXX needs to go back to XXXX for treatment. 
This is the new ID, the previous one was lost, and the new passport is returned to the country. 
and These payments are not used in my country in the United States and in other countries I have not been to. The bank has not confirmed with me. 
I have bound the automatic repayment, so many credit cards have overcharged my money. Many of the costs are not used by me and I have not allowed my permission. No one has any email to inform me that I have over-consumed. 
You can check my historical payment credit. I am paying in full. 
I had a credit score of XXXX or more two years ago. 
Now, because I have not passed the transaction I allowed, the expenses incurred are such that the money in my checking account is automatically repaid. Now, my checking and saving are closed. 
I have been in the United States for a short period of two years and the time spent on my credit card was spent when I was away. I lost my passport and ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I rented an apartment at XXXX XXXX XXXX XXXX located in XXXX, Florida. In XX/XX/XXXX after obtaining my credit report I learned XXXX XXXX XXXX XXXX claimed that I owed them {$3700.00}. I learned that XXXX XXXX XXXX XXXX sold the debt to I.Q. Data International. Inc. a notorious collection agency. I also learned the debt had increased to XXXX. As of today the debt is {$4200.00} ( see derogatory_mark.jpg ) On XX/XX/XXXX I mailed I.Q. Data International. Inc. a registered letter, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate '' the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see uploaded iq_data_letter.pdf ). Then again on XX/XX/XXXX I mailed I.Q. Data International. Inc. the same letter ( by registered mail ) that I mailed to them on XX/XX/XXXX. I mailed the registered letter to two known I.Q. Data International. Inc. known addresses. 

Sometime in XX/XX/XXXX the registered letter that I mailed to I.Q. Data International. Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. On or about XX/XX/XXXX one of the two letters that I mailed to I.Q. Data International, Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. I know for a fact that all my letters were delivered, received and signed for by a I.Q. Data International , Inc. representative because USPS enables clients to track and verify registered letters are received and signed for ( see IMG_4072.jpg )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been going back and forth with chase since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my chase credit card for a few years. We looked deeper into the situation and learned with chase that the social security number on file for my account was incorrect. I followed the protocol with chase and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from chase stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I received a call from XXXX. I picked up and they asked if I was [ name removed ]. I asked who was calling. The caller said their name was XXXX. I asked what company she represented. She said she could not say until I verified my identity with a date of birth or SSN. I said I would not give out my personal information to an unknown caller. She said that she would give me what information she had if that helped. She then said my date of birth and the last four numbers of my SSN without me first saying I was who they were trying to reach. I then began recording the call, here is the transcript : Me : " Alright, I am now recording the call as well. Please tell me who you are. '' Caller : " Okay, that's fine, hun. So I just need to verify that information and then I can continue on. '' Me : " I am not giving out my personal information until I know who is calling. '' Caller : " Okay, again I can't say until I verify that I am speaking to the right party so I don't give out information to somebody that I shouldn't be giving it out to. So again I do have your date of birth if you could just verify if that was right or not. '' Me : " And what do you have? '' Caller : " I have [ removed ]. '' Me : " That is correct. '' Caller : " Okay, my name is XXXX [ removed ] and I am with Alpha Recovery Corp. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose. This call may be monitored and recorded for quality assurance. By continuing this call you are providing your consent. This call is regarding our client which is XXXX XXXX, XXXX, for XXXX XXXX XXXX XXXX. They sent an account to our office for collections for [ amount removed ] and due to the delinquency of the account, we just want to know how you want to get this resolved. '' Me : " I'm not familiar with that company, please don't contact me again. '' Caller : " Okay, thank you. '' [ Call end. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am at the end of term with the auto dealer. There is an issue with the loan payments being lowered after a payments are made. the balance was XXXXand a  XX/XX/XXXX and XX/XX/XXXX payment was made in the amount of XXXX plus late charge of XXXX totaling XXXX. my balance should be XXXX, but is XXXX. The dealer stated it is daily interest of XXXX added until loan is paid out. There is a difference of XXXX. They can not explain why. No action taken.

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 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: SC

Complaint narrative:
IMPORTANT : THIS IS NOT A NEW COMPLAINT. INSTEAD THIS IS CONSUMER WANTING TO AMEND THE RECORD THAT THE PRIOR CFPB COMPLAINT # XXXX ( WHICH IS CLOSED AND UNABLE TO BE AMENDED ) HAS BEEN 100 % RESOLVED BY THE LENDER, GOLDEN VALLEY LENDING. 

Approximately 1 week ago, I was contacted by XXXX XXXX who is VP of Compliance for Golden Valley Lending. 

From our first conversation approximately 1 week ago, Mr. XXXX was very professional and allowed me to share in detail my complaint. He kept me up to date as he conducted research regarding my loan. 

Yesterday, just as Mr. XXXX had said would occur my checking account received the exact amount of money that had been my original concern. As the Customer, I feel satisfied and am happy to have this matter be fully closed. 

I very much wanted the CFPB record to reflect that Golden Valley Lending, thanks to the persistent follow up and efforts by Mr. XXXX, did step up and have my appreciation for doing the right thing to resolve this matter completely. 

Sincerely, 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 2019-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My friend, a man without means, was born in XX/XX/XXXX. He lost his common law wife recently. He has gone XXXX recently. I have given him over {$10000.00} and his friend {$5000.00} on my friend 's recommendation. All the money is lost. To speed up delivery of emergency cash I added myself to his Wells Fargo checking account last XXXX. I can no longer support my friend. I asked Wells Fargo to remove my name from the joint checking account. Unless my friend appears with me at the bank branch, corporate policy states there is nothing they can do. Having him appear with me is an undue burden on him and on me. Today ( XX/XX/XXXX ) I paid the overdraft balance {$68.00} including a punishment fee of {$35.00} that was authorized at the ATM by a third party, probably with the acquiescence of my friend but without my permission. The account balance is today {$0.00}. I conversed with employees including the branch manager at the XXXX, MD, branch. I conversed telephonically with three employees of Wells Fargo. XXXX, in the executive offices, was very accommodating. She submitted a complaint to the direct reports of XXXX XXXX XXXX, the CEO.  Nothing heard back so far. I want to divorce myself from the joint account without closing the account. This would return the account to the state that it was in on XX/XX/XXXX. All it would take is a special exception authorized by top managers. My friend is very sick.

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 2019-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I have setup payments wit this company for the last 2 years. They will only setup 6 months at a time. The day that the last payment is taken out they start calling me every hour on the hour. Its ridiculous to be harassed this much. I've been paying them {$300.00} a month for the past 2 years without fail. When I call to set up the next 6 months payments they give me grief and tell me that I need to take out a loan to pay this in full and that at the rate i'm going its going to take 12 years to pay it off. I mean if I could I would but I'm paying them monthly so what the XXXX does it matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Some time on or around XX/XX/XXXX-XX/XX/XXXX ( I don't know the exact date ) I attempted to call Transworld Systems who was put in charge of collecting a credit card debt for a XXXX XXXX XXXX that I had obtained back in XXXX. The card was originally under a chapter XXXX bankruptcy which had gotten dismissed. So this reopened the debt I owed along with almost {$5000.00} world of intrested to the card limit which was only about $ XXXX {$3400.00}. When I originally called, I'd call to settle the debt for the amount of the card that was used which was around the amount of {$3400.00}. With the job that I have, this amount was manageable for me to get paid in a considerable time. Transworld came back with counter offer with almost {$5500.00} in which they told me I'd have to pay in a month. I agreed to this because they would not offer me any else and made me feel like I had no other choice but to pay this amount. I was able to make a payment of {$500.00} on XXXX XX/XX/XXXX, but was told that I only had a few days to come up with the rest. I told them that this would be impossible for me to do, but they insisted that I figure it out. I'd call and ask for an extension, they would not extend this un reasonable amount for more that 65 days. I don't even get paid {$5500.00} in a month and I have a household to maintain. The last representative who I spoke with whose name was not willing to work with me or come down on the settlement even as I left messages and pleaded with her to work with my situation. I also explained that I was trying to buy a home for my family, but she did not seem to care about anything regarding my goals She also exclaimed that I would not be eligible for another settlement offer for another 6 months if I didn't pay the remaining balance of the settlement and they I was not allowed to put in for a settlement around tax season so that I would not have an opportunity to pay the account of using any tax refunds which is terrible. I would like to negotiate a better settlement that would allow me to pay the amount that I used on the card which was around {$3400.00}. I had already paid {$500.00} into the settlement amount and would like that amount added. Their practices are unfair and deceptive does not benefit me and put me in more of a financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: SLM CORPORATION
State: IL

Complaint narrative:
I accepted this loan offer as a student at University of XXXX, XXXX XXXX program for a simple continuing XXXX certification, which was not received. I completed 5 courses out of 6, and had to move out of state because I could not afford to live in California anymore. I have paid the required monthly payments to Sallie Mae for this loan since it was disbursed over 6 years ago and never was late. I have paid off this loan in payments totaling over {$6000.00} which was the amount disbursed. Yet, my balance due is over {$6000.00} so my payments went strictly to interest all these years and will continue to go to interest only. I feel this is fraudulent and unacceptable behavior. THey have refused to lower my interest rate or do anything to apply my payments to the principal balance. I feel like this loan should be considered PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation