vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have transferred money from my local bank in my country to my trading account at XXXX XXXX, for stock trading, the funds were held at the intermediary bank which is Wells Fargo, despite my bank providing them with all the required information, like my full name, date of birth, address, Wells Fargo has not released the funds to XXXX XXXX or returned back my funds. 

Either the staff at Wells Fargo are lazy or doing it intentionally. Wells Fargo reference number XXXX Please have a look at the attachments the details of the concerned employee at wells fargo and issue is mentioned. This one is for one transaction, the issue is for two transactions one for XXXX XXXX and another one for XXXX XXXX I am the sender and receiver ( beneficiary )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been repaying my loan since its deferment ended. It is serviced by AES. My XXXX continues to be a cosigner on the loan and I undertook the process to remove him as a cosigner. I filed out the initial form on their website to do so, mailed it in in XXXX XXXX and in XXXX received a reply letter asking for further documents. I sent further documents in XXXX, in XXXX I received another letter denying again and asking for more documents. I sent these and finally in XXXX XXXX received a final letter denying my request. On the denial it states to call AES if I have questions about this decision. I did so but AES informs me that they are unable to provide any further information as they are only the loan servicer. They however can not allow me to speak with anyone from the actual lender to provide any clarification and simply ask me to submit a request again via letter. They have created a circular process in which the inertia required to accomplish anything is so great that most people will give up at some point. The only service my servicer is providing is to obstruct my access to my own lender in order to receive any sort of satisfactory response. Furthermore the credit score that they note in their reason for denial is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: ND

Complaint narrative:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Complaint XXXX Company responded Status Company responded on XXXX/2017Response TypeClosed with explanation Company 's Response Upon receiving your correspondence, we immeidately reached out to XXXX XXXX, Default Executive Response Specialist for assistance. XXXX XXXX attempted to reach you several times without success ; therefore, we are closing our case. 

THIS IS TYPICAL Citi answer I have called the phone number of XXXX XXXX my time and the office was closed ... Ive sent a number of emails NONE have been answered

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: GA

Complaint narrative:
Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. 

In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. 

Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Secure Capital Management, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX PM eastern time I received a call at my place of business/employer from a man name XXXX from Secure Capital Management advising that he is calling to collect debt or a court judgment will be place on my behalf. XXXX XXXX from Capital Secure Management stated I owe {$1700.00}. He stated XXXX XXXX XXXX is taking legal actions on my behalf due to me financing furniture with a mattress company in XXXX, FL. I asked XXXX XXXX if he can give me more information because I was never aware that I owed XXXX XXXX XXXX money. He proceeded to say I dont know, I am just calling because your file was forwarded to us and we have to take action I informed XXXX if this is true this XXXX XXXX XXXX needs to be investigated because when I financed with them back in XXXX I authorized XXXX XXXX XXXX to have my account set up for automatic payments monthly, XXXX then advised me that only XXXX payment was received and the rest of the payments could have bounced back due to low balance on my bank account. I informed XXXX that if this was true why I didnt receive a call from XXXX XXXX XXXX advising me of this issue. I explained to him I never got a phone call from them or a letter advising me of this. He then stated He doesnt know why this wasnt done on their behalfs then attempted to work out payment plan with me and was very adamant that I have my debit card on file with him even though I advised him I am unable to make a payment until Friday, XX/XX/XXXX. He stated he will not charge my account until Friday XX/XX/XXXX, but he needs to have it in file to start the process. I informed him I can not do that and requested he contact me today XX/XX/XXXX at XXXX ( XXXX ) to discuss this further. 

I am aware of my rights and aware that contacting my place of business or employer to collect a debt from XXXX is ILLEGAL.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
With Navient, I have tried to get a lower payment for several years. I told them what I can afford to pay but I am still struggling to pay. I have many misfortunes in the last year that made my income decline drastically. I have asked for help but They are always blunt and not showing any concern. I think I should be able to set the amount to pay based on my budget. I am overwhelmed with debt and considering going back to college to increase my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
Monday XX/XX/XXXX I spoke to a representative from nationwide explained that i was in the hospital and to not call at this time. Wednesday XX/XX/XXXX i received another call from a representative from what seems to be a personal cellphone calling again getting aggressive asking for his car after I said I spoke with your company earlier this week explaining Im in the hospital and to not call me. It is harassment, its one thing to be called in attempt to collect a debt but when you ask for peace while in the hospital you should receive it. I answer the phone for nationwide on a frequent basis explaining to them theyve placed a garnishment on my wages and it is putting me in financial hardship and that i dont have the money to pay anything current they call everyday saying well we wanted to know if anything changed. I have had to yell and scream while in the hospital bed at this representative elevating my XXXX XXXX and causing pain because this company can not respect time in the hospital. Then i called to speak with a supervisor i spoke with XXXX XXXX she is no better than the representative instead of addressing the fact my time to recover has been disturb she starts going into how late the account is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I sent chk # XXXX in the amount of {$2700.00}. This was to cover past due balance and monthly payments of {$230.00} through XXXX XXXX which I stipulated in a note attached to the check. The extra money was applied to the principle however they did not apply the payments to the monthly invoices as directed. I am now having my credit destroyed once again by this company being marked 60 and 90 days late. I contacted them by phone on XXXX/XXXX/XXXX and s/w to XXXX who informed me the computers were down but took my info and stated a manager would be calling me back. Never happened and when I called back there was no record of this call in their system. I then mailed back my statement with the information to be corrected still nothing. Disputed it on my credit report and my score has dropped by 100 pts due to this and im sure they are going to repo my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Today 's date : XXXX XXXX 2017 I have used Paypal in the past to buy something because that is what the company I was doing business with said I had to use. Recently I began getting emails from Paypal to set up what they called a " credit account. '' Doing this requires that I pay Paypal some money so they have it in case I want to buy something. I have told them two or three times I have no interest in setting up this kind of an account and will not give them any money and they keep on sending me emails telling me I missed a payment. I just called them and tried to tell them and the guy who I was talking to started trying to tell me what I had recently purchased using Paypal, which was completely paid for. I do not remember when I bought it or what it was since it was not a business expense since I do n't have a business. The email they use to send me this can not be replied to so I have to call them and every time I do that, they argue with me. Today I finally told the guy that I was hanging up and did so without waiting or him to say anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I have an account through XXXX XXXX for a store credit card. In XXXX, my total balance due on the account was {$75.00}, due on XXXX/XXXX/XXXX. I paid that total amount due of {$75.00} on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I received notification through a credit monitoring service that I have that something had been reported on my credit report. I discovered that XXXX XXXX reported my account as being delinquent. I called XXXX. The first person I spoke to said that my account had been charged a finance charge after my XXXX payment, but it was an error and the account would be put back to a zero balance. I said that my main concern was that this has now been reported on my credit report. He said he did n't know what I could do about that other than contacting the credit bureau, but he would transfer me to their customer service department. The gentleman in customer service told me that the previous gentleman had misinformed me. He said there was no error on my account, and that I was charged " trailing interest ''. He said that they can charge this additional interest even if the account is paid in full by the due date because this is their new way of calculating interest. I said there is no way that they can charge interest on a balance of zero dollars. He said that in light of the situation, he would attempt to have this removed from my credit report, but it would take at least 35 days and there 's nothing he can do about that. He said that I should be receiving something in the mail to document it. In addition to them charging me interest on a XXXX balance, I went back through my emails, which is how I receive all my communication regarding this account, and I have never received a single email from XXXX stating that I had a balance due, a past due balance, or that my account was in a delinquent status. I receive emails from them about every other kind of activity on my account, so I find it odd and unsettling that I received no notification of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Two medical debts are being reported by Receivable solutions that were a result of fraud that I believe was used by a relative with a similar name. I have disputed this debt and have furnished it to the credit bureaus as well but this collection agency continues to cause me damages by reporting these negative accounts that I 'm not responsible for. Please help me to resolve this matter quickly and amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
While I was overseas and traveling for the past few years, someone opened up a few credit cards and a checking and savings account with Capital One. There was a balance ran up of about {$5000.00} on a {$7500.00} credit limit card. I was able to get the account closed down yesterday but it still caused issues with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I became a customer of Synchrony Bank when I purchased my furnace. I was offered a 24 month interest free credit card which expired on XXXX/XXXX/XXXX. I have never used the card for anything other than the initial purchase. It was always my intention of paying this account in full by the expiration date. 

At the request of Synchrony Bank I signed up for electronic statements. On Thursday, XXXX XXXX, XXXX, I noticed my balance was much higher than what I recalled owing on the account. After further review I realized I was past due on paying off my promotional balance. I had this account setup to pay through my bank and did not review the statement showing the balance was due on XXXX XXXX, XXXX to avoid the additional interest. On the monthly e-mails from Synchrony, it was not evident that my promotional period was expiring. 

It was an oversight on my part and I have since switched to paper statements to avoid this type of error in the future. It was always my intention to pay this account in during the promotional period. It was not readily apparent to me that the full balance was due on XXXX XXXX. If I had been aware that the full balance was due on XXXX XXXX, this account would have been paid off then. 

I wrote to Synchrony requesting that the deferred interest that was charged, {$2500.00}, be waived. I enclosed a check for {$3300.00}, which represents the promotional balance that was outstanding ( which they cashed ). I am currently in good standing with Synchrony with this account as well as other accounts I have had with GE Capital/Synchrony. I  am very conscientious about paying my bills on time which is reflected in my excellent credit history. 

I also feel the interest charged of 29.99 % is exorbitant. 

Synchrony denied my 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 monetary relief