vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 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: CA

Complaint narrative:
When I purchased an engagement ring for my fianc, I entered into an agreement for a 12 month - no interest program. Wells Fargo was responsible for the financing. I was told that auto debit would be set up so that the proper amount to close the financing amount would be deducted over 12 months. Instead, the auto debit was setup to only charge me a fraction of the payment amount every month ( they call it minimum payment ) and I am now left facing not only a huge principal to pay back, but also a huge interest on the principal. The bank claims that they provide courtesy calls 30 and 60 days before to remind the customer of the 12 month ending period, but I received no such calls. It has now been roughly 18 months since the financing and despite multiple attempts to resolve this with the bank, I have no success and am ending up paying over {$4000.00} in interest alone! They will not waive any portion of the interest. I feel that Wells Fargo misleads consumers by setting up minimal payments instead of asking the customer to setup the auto debit for an amount of their choice. More importantly, if the auto debit is setup, it is usually setup so that the full amount is paid over the defined period. This is a scam that allows Wells Fargo to earn huge amounts of money at the cost of causing both financial and emotional turmoil for unsuspecting consumers. Please investigate and help protect the interests of people trying to live normal lives.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi promised me XXXX XXXX XXXX miles for opening a new checking account, spending {$750.00} in the first three months, and making bill payments in two consecutive months. They said the rewards would post within two billing cycles. It has now been two billing cycles, and the rewards have not yet posted, despite me meeting the requirements.

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
Notified Loancare mortgage company of home insurance rate premium decrease and requested Escrow re-analysis on XX/XX/XXXX. Was told that would be processed and I would be notified. I did not  receive communication, therefore, I called and was told on XX/XX/XXXX that the re-analysis resulted in a monthly payment reduction ( they told me the amount change - which was expected by my calculation ). At that time, was told that my auto draft from my bank account on XX/XX/XXXX might not reflect the reduction due to timing, but that the correct payment would be deducted by the next payment. However, on XX/XX/XXXX the previous amount was deducted. I called after XX/XX/XXXX deduction and was told that an escrow re-analysis was performed but someone did not check a " button '' to change the auto draft. The customer service rep stated that they fixed the issue. Then came XX/XX/XXXX, the previous payment amount was once again auto withdrawn from by bank account. I called and spoke to a customer service representative on XX/XX/XXXX who stated that an escrow re-analysis had not been performed ( mind you, I had already received information that it was & the new payment requirement in XX/XX/XXXX ). I  asked to speak to a supervisor. The supervisor told me that the insurance premium might not have been communicated to them. However, it already had been in XX/XX/XXXX and the company told me what the new amount would be. The supervisor said she needed to get in touch with the XXXX XXXX office and would get back with me within 48 hours. It has been 4 days. I have called, today XX/XX/XXXX and had to leave a voicemail with the supervisor. I just need my monthly payment to reflect the decrease in my insurance premium, however, this company is clearly unable to process this appropriately and I am paying extra money each month due to their incompetence.

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 2018-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have requested an updated payment amount since XX/XX/XXXX. In XX/XX/XXXX I  paid off a loan and requested my remaining loan have the same amount taken out each month since you can't customize the payment amount on the website. I called and spoke to a representative and my payment was not updated. When the payment processed on XX/XX/XXXX, it was only half the amount so I emailed them again and received a generic response. On XX/XX/XXXX I finally received a response stating they will update my payment to the amount I requested in writing. XX/XX/XXXX payment on XX/XX/XXXX was the only payment that processed at the correct amount. XX/XX/XXXX it reverted back to a smaller payment. They keep taking out less than I requested and as a result I am accruing more in interest and my estimated payoff is months longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, My complaint involves my bank account. On XX/XX/XXXX it only had {$15.00}. On XX/XX/XXXX I checked my account and it had {$220.00}. I thought this was weird but I triple checked my with drawls and everything looked accurate as far as what should be remaining in my bank account. This morning I saw that I have a - {$110.00}. I am frustrated because after seeing I still had {$220.00} in my account on XX/XX/XXXX. I went out and spent money and now due to some mistake in the system I am in the negatives. I have an alert set up so that if I am ever under {$30.00} it alerts me, I never got the notice that I was under {$30.00} because my account showed that I had {$220.00}. So please explain to me why on earth my bank account even showed I had over {$200.00}. If a transaction is pending it still shows the amount being withdrawn. I'd like this issue to be resolved as soon as possible as far as what my account is telling me a balance that may or may not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I have an account showing on my credit report for DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX that was placed on my report and listed as opened XX/XX/18, this was actually a balance from 2 1/2 years ago that I knew nothing about and contacted the original creditor and they agreed to delete the item if I paid it. I paid in full the item was deleted. a month later the item re appeared, I disputed and contacted them and they sent me a verification letter that the item would be deleted. I sent this to each credit agency and 3 months later it is still on my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 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: ACS Education Services
State: FL

Complaint narrative:
The loan opained has reported last payment and have been sent to another company which shows current but the old account still shows deliquescent and the account is no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: FL

Complaint narrative:
The loan opained has reported last payment and have been sent to another company which shows current but the old account still shows deliquescent and the account is no longer valid

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: UT

Complaint narrative:
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violation Experian took more than 30 days to send me there report, were disputed on XX/XX/2018 I never receive any file back 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 non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a ROTH IRA account with Capital One 360 ( originally XXXX before it was purchased ). It is not displayed under my account log in, and there is no way to access it through the online banking portal. I would like to take a qualified distribution from the account. I am not being allowed to set up a distribution over the phone and I can not get them to mail me a letter to make the distribution. They are telling me I need to do it online, but there is not option to make the distribution online, nor is the account even listed online. I have been on the phone with them for 2 hours and been 'verified ' multiple times but continue to transfer me and put me on hold in an effort to get me to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My CD account with XXXX by Goldman Sachs matured on XX/XX/18. I called that day to close it and initially to add funds to it and open again for a new period. My other financial institution was linked to my CD account in order to make the fund transfer. After a few days I called again to confirm the link but I was asked about my employment status in order to proceed. I told them its irrelevant and I dont want to reveal that information. They said its required so in this case I requested to talk to a supervisor. But, the supervisor confirmed it is required. So in that case, I informed the supervisor I want to close the CD account and I want all money to be returned to my to the other financial institution that was linked to my CD account. The supervisor read me a statement that its what I want - to close the account completely and to get the money back and I confirm it again. She said it will take 2-3 days to close the account and another 2-3 days to transfer the money back to me. This conversation was within a 10 grace period and it was on a recorded line. 
I waited a week checking my other institution online account every day if the money from my CD got transferred. But it wasnt. So, I called XXXX again today why I didnt get my money back. They told me that I was supposed to call back within a 24 hours to confirm it again with them. But that is a lie. The supervisor I talked to never said anything like that. And now, They threatened me that they will penalize me with interest and that they renewed my CD - without my permission. 
I need your help because XXXX by Goldman Sachs is not an honest institution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Ad Astra Recovery Services Inc
State: MI

Complaint narrative:
I NEVER RECIEVED A LOAN FROM " XXXX XXXX '' I HAVE CALLED SEVERAL TIMES AND THEY SAY THEY WILL REMOVE THE ACCOUNT, SINCE IT IS AN ERROR ON THEIR SIDE, AND I STILL SEE IT REPORTING. THIS NEEDS TO BE DELETED FROM A 3 CREDIT BUREAUS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Suddenly on credit reports, no written information.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft

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 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ND

Complaint narrative:
In XX/XX/XXXX I received phone call from debit collectors saying that Nelnet had sold my student loans to them to collect.. I explained I dont have any they said ya u do in default.. how could that be I asked because u didnt pay them we been trying for three years how u want to pay debt credit.. I thought it was a scam.. I thought they had been forgiven by XXXX and dept of Ed in XX/XX/XXXX I said I got letter from dept of ed saying it was taken care of they Nelnet said dont work that way we decide what happens to u loans same things nervent said how can they send things that say XXXX balance and than demand it back Im so confused Nelnet says send a note to our email saying u have no taxable income I did hope they dont start taking money from my XXXX  like XXXX did without even notifying me.. as they say they can do anything they want.. seems pretty unlawful and unethical .. nervent keep having me put it in forbearance.. I dont have over the XXXX thats considered low income .. I feel they do this because Im a widow, poor and a XXXX female.. and XXXX years old .. and they only look to line there pockets.. they give no chance and offer any of options to work to have it paid.. they just hurt people..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P.
State: UT

Complaint narrative:
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX    XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail. 
On XX/XX/XXXX a phone call was received from a phone number, ( XXXX ) XXXX, listed to LTD Financial Services, and no message was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/2018 at or around XXXX I wanted to redeem a promotional balance transfer to my credit card ending in XXXX. I clicked on the offer displayed under XXXX ( labeled XXXX XXXX ), another window popped up to enter entered my balance transfer info & clicked submit. On the confirmation page of this balance transfer it stated that they initiated this under my other credit card of ending XXXX which is incorrect and not my intention. 

This complaint is to USAA Credit Card Services. I called the executive resolution team 8 times and spoke with them for at least 6+ hours over a week and they refused to honor the original offer for credit card XXXX and would not cancel the transfer or fix the error by the system. The also offered fixes or solutions that would cost me additional fees as the only solution. 

They also stated that there was a block on my XXXX card and that their system automatically selects the other card instead of denying the balance transfer even though there was no offer on the XXXX card and there are different interest rates. They locked me into a balance transfer to the wrong account and terms without my legal consent and refuse to honor the original offer. 

This was a deceitful and was very confusing act as my intention was to apply for this promotion for card XXXX and not XXXX which their ( system ) automatically selected and processed while I was on their mobile app.

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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am very pleased to report that, subsequent to my recent query through the Bureau, I received notification from Mr. Cooper that they are re-initiating the short sale, using the buyer who is offering their requested price. 

I am enclosing the letter I recently received, which requests all the usual paperwork to fulfill my part of the process. 

However, the XXXX file that was re-opened seems to reject the new short sale, and my efforts and the buyer 's agent 's efforts have not produced any resolution of that situation. We wish to send my paperwork NOW, but it is not being accepted by XXXX. 

So I am back again, hoping to communicate more directly about this situation so it can be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Whitney bank located at XXXX XXXX XXXX XXXX in XXXX Louisiana refused a lawful method of payment for a vehicle. XXXX XXXX XXXX, the manager, refused to look at documentation provided and refused to read the laws that govern this method of payment. I have tried to reach the president to enforce the transaction be done and have left 2 voicemails. I have yet to hear from him. I am also considering taking this to the media as well. I am under UCC laws and am a private investor. I currently have an account at Whitney, but I believe I will do my banking elsewhere.

Company response to consumer: Closed with explanation