vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
So we have had the payday loan with security finance in XXXX XXXX to for more than 6 months now and we are now working with a company called XXXX XXXX that helps with the debt. So the amount on the loan for security finance is roughly for {$1200.00} and I just don't appreciate that they are calling my job and also bothering my family members. I would like it to stop.

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 2019-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
About 2 1/2 years ago I purchased a truck from XXXX 's XXXX XXXX located on XXXX  XXXX XXXX XXXX, N.Y. The price was {$14000.00} I gave them {$3000.00} down and financed the balance through Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX, Mi. XXXX. I was told by XXXX 's XXXX XXXX  that in order for me to get financed I had to put an extended warranty on the vehicle, I explained that the vehicle would be used at times for commercial purposes. They told me " don't put any lettering on the vehicle. '' I canceled the extended warranty because it did not cover the truck if it was used for commercial purposes. I was told that the cost and finance charges for the warranty would come off the back end of the loan. After further reading the paperwork I realized XXXX 's XXXX XXXX had arbitrarily raised the price to {$17000.00} without telling me and after I paid them the down payment of {$3000.00}. When I confronted them I was told that Credit Acceptance told them to raise the price, all this without ever telling me they were raising the price. So I called Credit Acceptance and complained about the bait and switch, they denied ever telling XXXX 's XXXX XXXX to do that. I told them I wanted this corrected and was told their legal dept would contact me. The Legal Dept never contacted me but when I got behind in my payment Credit Acceptance had the truck repossessed without warning and by that I mean I had to agree to let XXXX 's XXXX XXXX put a device on the truck that would beep 3 times as a warning that a payment was due. The contract stated that this warning would be every time I started the truck for three days and if payment was not received then the device would not let me start the truck. I did not receive any warning as per the agreement in the contract. After the truck was repossessed I was never given any information about what it sold for at auction, as required by law, or that the {$3000.00} added to the truck by XXXX 's XXXX XXXX or the credit for the canceled extended warranty was ever credited to me. When I called Credit Acceptance about all of this complaint I was told just give us {$5000.00} and we will call it even. I want this removed from my credit report and shown as paid.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Note : I already filled this out but used an incorrect email address. 
On or about XX/XX/19 my coworker and I unknowingly ended up with eachother 's Wells Fargo Debit cards. We believe we picked up eachothers cards after splitting a bill at a restaurant. On XX/XX/19 my coworker tried with withdrawal funds with what he thought was his debit card but the pin didn't work. He went inside the bank, to a teller to withdrawal cash. The teller asked for ID, but didn't look at it and see that the ID and debit card did not match. The teller pulled up my account, revealed my account balances in checking and savings and asked which account he wanted to pull from and proceeded to give him {$200.00} out of my checking account. Coworker then went to a banker to get a new card and then realized that he had my card when the banker asked for ID and realized they didn't match. My coworker told the banker that it was his friends card. The banker let my coworker leave with my card and {$200.00} from my account without any verification that we were in fact " friends. '' My coworker has since revealed to employees of our company including my boss how much money I have in the bank and have called me asking for loans. I am VERY uncomfortable that my coworkers are aware of my finances. This is without a doubt a violation of my financial privacy. The teller and banker were wreakless and careless with my personal financial information. My account showed the {$200.00} withdrawal and credit, those transactions have since disappeared from my on-line account. The {$200.00} was ultimately taken from my coworkers account. If it weren't for the fact that my coworker had my card, not a stranger/thief my account could have been wiped out completely at the hands of a careless Wells Fargo teller. My financial information spread throughout my company within minutes. I don't think it's a joke nor funny at all.

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 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Received a notice from my new monitoring service regarding an account from this agency AARGON AGENCY INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$330.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2019-03-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My attorney contact Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding this debt being too old to collect. FCO agreed this debt is too old to collect and stated they would not pursue collections, but refused to remove this item from my credit reports.

I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid.

I spoke with someone from FCO and they said they have no intention of removing as the debt as having in on my credit reports gives them the potential of getting paid.

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 2019-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A loan request ( refinance ) was done XX/XX/2019. It was denied. 
Verbally, a representative took the complaint regarding the extra interest. Chase refused to refinance and never addressed that. Chase sent papers for " voluntarily surrendering '' the vehicle. Using Chases secure messaging a request was made asking that Chase " waive the defiency ''. This was also denied. When the vehicle was purchased I was told I could refinance in 6 months. That was not true.There were several misconceptions. 

During this time Chase phoned no less than 8 times, which would have been great had I known it was Chase. The calls were all toll free and I thought they were robotic calls trying to get money. Also, I did not know how to retrieve the voice mail. My wife got them all today Monday XX/XX/2019. When I became ill my wife stopped working to care for my needs. So the extra income we had was gone. A lower interest rate would have really helped during this difficult time. It is emotionally and financially draining. 

Late fees were applied more than I can remember. No matter if the payment was on the XXXX or XXXX day of the month, there was a late charge. That was never addressed. Verbally, Chase said " payment isn't late till the end of the month ''. That wasn't true. This was also a hail damaged vehicle. Because of my XXXX I couldn't see all the damage on the top of the care. 
Below is what I believe has happened with me ; Article by XXXX XXXX " The editorial page of the XXXX XXXX XXXX recently weighed in on an important but underappreciated aspect of the financial crisis : The systematic targeting of communities of XXXX for risky and unfair loans. As the XXXX put it : Pricing discrimination illegally charging minority customers more for loans and other services than similarly qualified XXXX are charged is a longstanding problem? '' After the fact of dealing with Chase, several articles have stated that higher interest rate loans are given because they know you will default because rates are too high to be paid back. Shame on Chase. 
Being an older person I thought I would be treated fairly and without partiality. That isn't true. 
We are doing the best we can under our circumstances. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
I have a loan with this creditor called XXXX XXXX. They are constantly calling my family members and also my employer .i really want it to stop. I am currently working with debt consolidation called XXXX XXXX and they are communicating with them. And I just want them to stop calling my employer and family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was transferred from Seterus to Mr. Cooper as of XX/XX/2019. All communications from both companies stated that my autopay information would transfer, but this was not the case. I logged into Mr. Cooper 's website on XXXX, the first day this was possible and upon seeing my autopay was not set up, I entered my bank account details and set up my payment. Today, on XX/XX/XXXX, I went to work and had a voicemail from Mr. Cooper saying my payment was overdue, so I logged in and saw that no payments were pending and my autopay wasn't scheduled until XX/XX/XXXX! 

I tried calling to verify, but reached a recording saying that they are really busy and to try back later, upon which it hung up on me. 

I went ahead and made my payment, manually entering my bank information again. 

Arriving home from work, I logged in so I could change my autopay date from XX/XX/XXXX to XXXX and found out that they are taking out a payment on XX/XX/XXXX and XX/XX/XXXX. I can't afford this as I have been out of work due to XXXX, so I tried calling, but yet again, I got the recording and was hung up on. Now, I am facing severe financial hardship due to their inaccurate website and total lack of customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/2018, I became a victim of identity theft. Several accounts were fraudulently opened in my name. I immediately disputed the the accounts and after investigations by the credit agencies, the accounts were declared fraudulent and removed from my credit reports. In addition to the dispute, I also submitted affidavits, a police report and other documents as requested. 
However, one of the fraudulent accounts, a XXXX XXXX XXXX XXXX Account, was not deleted from my Experian credit report, although it was deleted from my XXXX XXXX as well as my XXXX reports. 
I have called XXXX XXXX XXXX XXXX and Experian numerous times and have been told from representatives from both companies that they are aware the account was not opened by me and I am not responsible for the charges yet XXXX XXXX XXXX XXXX continues to bill me for a {$20000.00} and Experian continues to show the account on my credit report. 
It's difficult for me to know who to contact to have these fraudulent charges removed, and now I'm asking for your help. 
I have all of my documentation which I can send upon request. 

Thank you, 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 2019-03-11 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: TN

Complaint narrative:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.

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 2019-03-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX  and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Upon opening up a Wells Fargo checking account I was asked if I wanted a credit or debit card. I stated my desire for a credit card and sent a debit card. I check with the WF official and was informed that they ordered me a debit card as it offered me additional benefits. I asked about all the other benefits associated with the credit card and was informed that they were identical. 

Upon needing to use a credit card benefit, I was informed that the benefit was not on the debit card. Wells Fargo was contacted and a representive in the Executive Office indicated that there was an internal investigation and the bank was unable to help. 

This is clearly a matter where an employee, a number of years ago, went against my request and unilaterally sent a different card. Then the employee gave assurances that the card benefits were the same between the credit and debit card. 

A consumer should not be the subject of mis-information and the results of the internal investigation should be shared.

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 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Recovery, Inc.
State: TN

Complaint narrative:
This originally started the first time I spoke with the company. Their representative was extremely aggressive when I told him I wouldnt give him my information over the phone because I hadnt received anything in writing. They have since called me numerous times a day, multiple times A MINUTE. I have had to get my number changed because of the number of times my phone was ringing while I was at work. For example, on XX/XX/XXXX they called at XXXX, XXXX, again at XXXX, XXXX, XXXX, then four times at XXXX. This pattern of harassment has been getting worse for weeks now but this is definitely as bad as it has gotten I finally just changed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH has no reasonable way for us to get them an authorization letter. They said they require it to be an original, mailed to them at a special address. This was done XX/XX/19. PHH is denying ever receiving anything and is refusing to speak to us when we call in. Oddly enough, they will speak to us on their outbound calls. They will not acknowledge a faxed copy of the authorization. It is clear that PHH is purposely attempting to block the executor from attempting to resolve the estate issues of the XXXX   borrower. Even the parent company is having these same issues with PHH, and their frustration level is evident. 

It is an Industry Standard to be able to fax or even email documents to a lender. PHH 's policy is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
Received a notice from my new monitoring service regarding an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$89.00} and another for {$64.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
i signed up for autopay on the capital one company website back in 2015. At no fault of mine the company website was experiencing some problems and though it showed that the process was complete it really did not go through. Once I found out my next payment was not paid, I called capital one for a solution to the problem. They had me reapply for autopay with a rep to confirm it via telephone and they apologized promised me that they would not report it late on my credit profile. Capital One has consistently reported me as having a 30 day late payment on my credit since this occurrence. Ive called them At least 15 times of the past few years and they continue to not own up the their promise. This is horrible service and affecting my credit eligibility. This should be illegal, a verbal promise is a verbal contract and should be honored.

Company response to consumer: Closed with explanation