vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I fully expect Wells Fargo to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Wells Fargo. Well, I have read many other CFPB complaints against Wells Fargo and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by Wells Fargo does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at Wells Fargo? When is the CFPB going to hold Wells Fargo accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 


There are Debt Validation issues with this loan. Instead of addressing these concerns, and providing an itemized statement of account, Wells Fargo is running to f/c on an elderly woman. The homeowner has opened up complaints to address those issues, but Wells Fargo has pushed response date for these complaints out past her foreclosure date in order that they dont have to give her a response before pushing her out of the property. This has happened multiple times. 

Wells Fargo claims they have not received monies since XXXX. However there was a XXXX in XXXX in which Wells Fargo was paid each month out of those XXXX XXXX payments. What happened with the dispersal of those funds? 

We are asking that Wells Fargo not foreclose on this elderly person until her concerns are addressed. The questions and concerns she has are straightforward and fairly simple. Most recently, Wells Fargo has delayed responding for over 90 days. Why is WF intent on not responding until after the property is foreclosed on? Is something being hidden from her?

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 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has been finding ways to charge us overdraft fees despite us having enough funds in the account. 
I attached all the recent transactions. there is no negative balance. 

when I call I wait for an hour and half before I reach a representative and they hang on me randomly without warning

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 2018-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX of 2017 I opened up a dispute against capital one because the falsely added something to my credit report which took my credit down from XXXX to XXXX. My dispute was completed and they were found in the wrong, yet my credit score only when back up by one point. That needs to be fixed because that had nothing to do with me, it was XXXX XXXX mistake not mine and I should not be punished because they cant get their information together.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: First Data Corporation
State: DE

Complaint narrative:
Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL 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 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Date opened XX/XX/XXXX Amount : {$6500.00} No action has been taken by company, I was not aware of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: GA

Complaint narrative:
I disputed an account that is misreporting information on my credit report with TransUnion. The account is listed as XXXX/XXXX XXXX XXXX. In my dispute, I initially requested that the debt be validated because the account was listed as negative, closed, and reporting late payments from XX/XX/XXXX. The dispute results stated the account was " verified as accurate and updated ''. I called TransUnion today to inquire about what information they had received to verify the account and the representative told me that the account was mine and that it had been updated electronically. The representative also told me that TransUnion was not responsible for providing me any information that XXXX/XXXX XXXX XXXX had provided to TransUnion. He also told me to contact the creditor directly, so after going back and forth for a while, I told him that I did try to call the number listed on my credit report for the creditor and the number was a sweepstakes number. I continued on, asking the representative for the address to TransUnion so that I could formally submit a request for the documentation that XXXX/XXXX XXXX XXXX provided and after additional debate he finally gave me an address. He also told me to XXXX XXXX and find an updated contact number. We concluded our call. After I XXXX " XXXX XXXX XXXX '' I saw on their website that ALL of their student loans were sold to Navient, so I XXXX  again and saw that XXXX/XXXX XXXX XXXX loans were sold in XX/XX/XXXX. I called TransUnion back and got a supervisor who I spoke to and advised her of my previous conversation ; I also informed her that it appeared that XXXX/XXXX XXXX XXXX sold ALL of their student loan accounts to XXXX so I wanted to know how could the disputed account listed on my credit report come back as validated when XXXX no longer owns the account and XXXX is not listed as the current provider on my credit report? I am submitting this complaint because I do not believe that TransUnion contacted anyone to validate this account. I also believe that TransUnion, and other credit bureaus, are not transparent with their disputing practices and they should be held accountable for their practices of damaging consumers credit. 

This is the link that I referred to above for XXXX XXXX XXXX that specifically states all student loans were sold to XXXX : 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 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have a rental property in XXXX, Georgia. I paid invoices for XXXX XXXX XXXX XXXX  online. The final invoice was paid X/XX/2017 in the amount of {$68.00}. I spoke with a rep regarding the late fee. I was informed to ignore the last fee. It would be removed once the payment was processed. 

Instead of processing the payment, XXXX XXXX XXXX XXXX submitted the invoice to a collection agency. A past due balance was reported on my credit report by LANIER COLLECTION AGENCY. I have received no communication from this company. 

As of today, XXXX XXXX XXXX closed my online account ; therefore, I am unable to provide a copy of the online payment that was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
sync bank was told to close account for fraud last XXXX and has closed the accounts, however, they were paid before sending me the notice over 650. They keep sending me checks for the wrong amount and continue to refuse to send payment via another means.They keep sneding me legal huff and puff but no payment whatsoever in the correct amount. 

I recieved a check close to one account and tried to cash it at three banks. sync bank dba XXXX XXXX XXXX client bounced the check. At the very least thier subsidiary, walmart, should be able to cash the check. 

I demand immeadiate payment via wire transfer.

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 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. 

On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). 

I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. 
I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. 

This is the short version of what has happened. 

Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: U.S. BANCORP
State: CT

Complaint narrative:
There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

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 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: TN

Complaint narrative:
I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
Around the middle of XX/XX/XXXX, we applied for a loan with LoanDepot.It was preapproved with a 3.75 % rate. All the PAPERWORK THEY ASKED FOR WAS SENT WITHOUT DELAY.It was sent to underwriting for final approval for three weeks now.We have to call to see what is going on after we contact the manager Then they would call and state we need this or that, then we can get final approval, we right away send it to them.No word from them 2-3 days.XX/XX/XXXX I email them the manager in sales, then they would call we need 24 months payment and divorce decree then we will close.sent right away and sent 35 months of payments ( never late ) .A week pass no word. I email again, then they would call we need XX/XX/XXXX payment. this is all underwriting need to close.this is now Monday, XX/XX/XXXX will call you tomorrow with final approval and set up closing. Wedn XX/XX/XXXX. no phone call. I called her voice mail states she went home.I was connected to 3 other departments. No manager could come or could be reached in any department especially underwriting.They have all requested information and is not doing their jobs. Uncalled for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband paid my credit card in the full amount with a check that had the credit card number, closed account, paid in full clearly written on it on XX/XX/XXXX. The check cleared my husbands account the day before the due date. I called the credit card company ( CHASE ) a week or so before it was paid in full and said we were closing the account and paying it in full and asked what was the payment amount. Today XX/XX/XXXX we are now receiving notices that the account is past due for {$6.00} when the account had a zero balance. When I called the bank they threatened to add late fees to the account also. I highly advise anyone to think twice when dealing with Chase bank or card member services at XXXX XXXX XXXX, XXXX, DE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 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: FL

Complaint narrative:
I was at a club lost my wallet and and my card got charged XXXX dollars

Company response to consumer: Closed with explanation