vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF THE WEST
State: MA

Complaint narrative:
I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.

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 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a Wells Fargo Checking account which i have a credit card from Wells fargo attached to if in case of overdrafts. For Years i have been charged an overdraft fee plus the overdraft and it would be charged to my credit card which has a high interest rate. only to have a deposit come through immediately after that that would have covered my charges. I work in the XXXX XXXX and this whole process would be a conflict of interest if i was involved with this process. recently due to Pressure from Class action law suits i got a letter stating that they would reverse any overdrafts if deposits came in by XXXX the next business day. so i gave them the benefit of the doubt because it seemed like these fee vultures where changing there ways, then 2 days ago my account went negative they pulled mone and the fee from my credit card, a deposit came in they reversed the Overdraft form my Checking account but not form my credit card, i had to call them this morning an threaten them and they reversed the credit card charge and the fee. I am now interested in getting all of my fees and charges that where not crediotied back to me over the years. Im sure that i'm not the only one having this issue..

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 2018-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is reporting an account that is not in my name to the credit bureau. I was only an authorized user on the account but never gave permission to be a person financially responsible. I spoke with them last month and they told me I was taken off of the account. However, on XX/XX/XXXX they negatively reported it to the credit bureau again. This was not my account and they need to quit reporting it as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had my current XXXX XXXX XXXX Business Credit Card since XX/XX/XXXX. In the last couple of years I have been having increasing issues with the account being incorrectly put on a fraud hold not allowing me to use the card until I call their fraud protection team to remove it. Each time I spend about 15 minutes on the phone to have them go through a list of charges, which all are valid. In the last 6 months this issue has increased to an average of once every 2 weeks. I have not had an issue like this with any other business or personal credit card before. 

For documentation the most recent times I have had to call in was. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thanks. 
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 2018-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for 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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried too many times to resolve this issue with XXXX. They have a LEGAL obligation to update my credit report with true information and they refuse. If my claim isn't taken seriously I have sought counsel and I will pursue a lawsuit. I think this route will be cheaper for 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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
I have two mortgages with JG Wentworth. I need copies of my most recent statements for each mortgage for a refinance I am working on for my primary residence. I spent the better part of the day XX/XX/18 simply trying to get someone on the telephone. I probably spent about an hour trying to research the correct phone number after trying many and being told I was in the wrong department, another hour on hold, and a final hour arguing with various JG Wentworth representatives who were unable to assist me. At one point I had a representative assure me after asking many security questions and confirming my email address that she would email me my statements, but she never did. I have checked all spam and junk folders. I still do not have my most recent statements and I have no idea how to resolve this situation. My request is for the most basic service with respect to my loans - if JG Wentworth is unable to provide such service, they should not be in the lending business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: International Financial Management
State: FL

Complaint narrative:
My credit report it's showing a Company called Credit Express LLC, opened XX/XX/XXXX and closed XX/XX/XXXX. Balance is {$0.00}. Highest balance : {$2200.00}. 
That Company never have appeared in credit before. I never have applied for a vehicle loan, this is affecting my credit score, I don't know why this is in my credit report. I already called to that company immediately and they told me you have placed that account on my report. 
I believe have being a mistake place that negative issue in my credit report and also this is an issue from XX/XX/XXXX. 
Please, let me know if you can help me. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? 

I have attached the letter they sent me with their final decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, NOTIFIED THE CREDIT BUREAUS OF THE ITEMS AND LATENESSES ON MY CREDIT FILE OF THE FRAUDULENT ACTIVITY ALONG WITH MY POLICE REPORT OF THE IDENTITY THEFT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACTIVITY AS DIRECTED ACCORDING TO THE FCRA LAW SECTION 605B WITHIN 4 BUSINESS DAYS AS THE LAW REQUIRES THEM TO DO AND THERE NELIGENCE HAS CAUSE ME TO GET TURNED DOWN FOR LOANS ECT. AS THE FRAUDULENT ACTIVITY ON MY REPORT HAS LOWERED MY CREDIT SCORE CAUSING ME TO BE AFFECTED AND IF I DONT HAVE THE SCORES REMOVED AS THEY WERE TOLD I WILL BE FORCED TO FILE A COURT COMPLAINT AGAINST THESE COMPANIES FOR THE NELIGENCE.

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 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX opened new account with Chase and used a new account opening coupon from Chase for the amount of getting XXXX after account remains open for 45 days. On XX/XX/XXXX I received a deposit from a friend to my account the bank accepted it in the amount of XXXX then on XX/XX/XXXX they closed my account with out notifying me found out account was not working when I logged in and could not access account. I called the bank immediately and they said that they closed my account and that they were not able to reopen the account, that I needed to go to another bank for my banking needs since they would not be able to have me as a customer. Only had this account a week and everything was ok until I got this deposit and then everything went South. They will not tell me why or if I will get the money that was just deposited into my account before they closed it. On XX/XX/XXXX received another email now stating that my account that they closed is now overdrawn. Instead of sending my deposit to me they sent it back to my friend and charged the closed account a return fee. And on top of all this because when I opened my account I linked my son 's account to monitor it and they closed his to with no explanation. I will never trade with Chase again. They are crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I researched refinancing my loan in XX/XX/XXXX. I had already gone through most of the process with a different company when I got word of Capital One Home Loans, who was offering a special discount on the origination fee, which made their product worth my time. I closed the new loan with them and made my first payment XX/XX/XXXX. It is currently XX/XX/XXXX and I just received an email from a new loan servicer that states they now have my loan in their possession. 

1. I never received a letter of transfer from Capital One - they said they sent it, it never got to me- I called as soon as their office opened XX/XX/XXXX - the day I received an email from the new loan company. 

2. I have written documentation from the loan officer that my loan would not be sold, which was the reason I stayed with this company for my refinance - he lied to me so he could make money off me. 

3. My loan estimate states on it that the intent is for Capital One to service my loan, not sell it. 

I need to know how to resolve this issue or if I need to take alternate avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX XXXX contacted several of my neighbors and informed them of a debt I am working to repay.

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 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Again, WellsFargo has falsified pending transactions and available funds. They have failed to show pending transactions when they were initially made and rearranged charges in order to increase the overdraft fees. Apparently they have learned NOTHING from the previous class action suit. Transactions from XX/XX/XXXX-XX/XX/XXXX did not appear until XX/XX/XXXX-XX/XX/XXXX. A single transaction from XX/XX/XXXX didn't show up until XX/XX/XXXX and it was never shown as pending.

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 2018-05-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX CREDIT CARD ENDING IN XXXX PERSONAL CREDIT CARD XXXX CREDIT CARD SERVICES XXXX XXXX XXXX XXXX NC XXXX FIRST TO MY KNOWLEDGE SENT NOTICE OF A " BALANCE DUE '' WITH A STATEMENT CLOSING DATE OF XX/XX/XXXX FOR AMOUNT OF {$2.00} " DUE NO LATER THAN XX/XX/XXXX '' AS STATED ON C/C STATEMENT XX/XX/XXXX. 

I WAS NOT NOTIFIED PERIOD OF THIS " GHOSTED '' " BALANCE '' OF {$2.00} UNTIL XX/XX/XXXX. 

IMMEDITALLY PAID BALANCE IN FULL AND " '' '' ABOVE BALANCE DUE '' '' '' IN THE AMOUNT OF {$30.00} /PAID DIRECTLY TO XXXX XXXX XXXX ON XX/XX/XXXX BEFORE DUE DATE OF XX/XX/XXXX AS STATED ON C/C BILLING. 

LEAVING AN 'EXCESS BALANCE ' ON THE C/C ACCOUNT OF {$24.00}. 

XXXX XXXX PROCEEDED TO " '' FRAUDULENTLY WITH INTENT TO INFLICT HARM TO MY PERSONAL FIANCES AND CREDIT SCORES '' '' '' DECEPTIVE CONSUMER PRACTICES '' '' '' '' UNFAIR RESOULUTION AND CONCERN AND REGARD TO THIS ACCOUNT/MATTER. 

XXXX XXXX REPORTED TO CREDIT BUREAUS AS **INACTIVITY ON ACCOUNT " '' LATE PAYMENT '' ' " '' DECREASED ORIGINAL CREDIT LIMIT '' '' TO {$500.00} FROM {$5000.00} FOR A BALANCE DUE OF LESS THEN {$3.00}? 

XXXX XXXX FAILED TO NOTIFY ME VIA CALL OR LETTER OF ANY BALANCE DUE /AND TO INTENT TO TURN OVER TO CREDIT REPORTING XXXX XXXX CONTINUES TO PRACTICE CONSUMER DECEPTIONS " '' '' FRAUDULENT & UNJUSTIFIED CLAIMS UNDER {$3.00} " '' '' / " LATE PAYMENT '' CHARGES FOR UNDER {$3.00} / '' DELINQUENT BALANCE REPORTS UNDER {$3.00} / '' '' 'IN-ACTIVITY REPORTING '' '' '' UNDER {$3.00} INACCURATE AND FASLEY REPORTED TO BUREAUS AS A {$5.00} BALANCE AS DELIQUIENT/UNPAID/LATE BALANCE DEBT DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax fails to update credit account information upon creditor submitting it I currently have s auto loan showing on Equifax report with a $ XXXX balance but it should be only {$370.00} balance account in question is XXXX XXXX XXXX XXXX account number XXXX Also thereby s a bankruptcy filling showing that was previously deleted in 2016 the bankruptcy has reappeared along with several account attached to the bankruptcy filing I wasnt given an notice it would be added back and the bankruptcy count has confirmed they DID NOT report this information to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to AES requesting for my co-signer to be removed. The original agreement stated that a co-signer can be removed after 5 years of good payment history. However, when I received a forebarance no one told me this would count as bad payment. They said using a forebarance would assure I dont receive negative payment history and I will still qualify for a co-signer release.

My release was denied on XX/XX/XXXX.

The servicing company is AES. The holder is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX continues to call my father about my past due balance. My father has repeatedly told them to stop calling him. They leave threatening voicemails saying they are taking legal action against me.

They have never left me a voicemail on my phone.

On Tuesday, XX/XX/XXXX they again called my father and left a message that he needed to call XXXX. My father called them back and spoke with XXXX. XXXX told my father that I was going to be arrested due to non payment of my bill. She also asked him if he would pay my bill! She gave him all sorts of information about my debt.

When my father called me about this, I called XXXX. I was assured that they would not call my father again. I am XXXX   years old and my father has absolutely nothing to do with my credit cards.

Today, XX/XX/XXXX..my father has once again received a threatening voicemail from XXXX  with XXXX XXXX. My father is recovering from a severe illness. He doesnt need to have bill collectors waking him up when hes trying to rest.

The whole reason why Im behind on my credit card bills is because of my fathers illness. Ive been trying to help my parents out and assuring them that they arent putting me out ... now my father is freaking out that Im behind on my bills because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Synovus Bank
State: GA

Complaint narrative:
Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, a representative of XXXX XXXX XXXX , XXXX contacted several of my neighbors and informed them of a debt I am working to repay.

Company response to consumer: Closed with explanation