vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 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: CA

Complaint narrative:
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXand I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Debt Agency
State: MS

Complaint narrative:
I enrolled in student loan debt agency program and the down-payment was {$650.00} dollars They told me that after the program was completed that my loan would be forgiven and my payments would be consolidated to increments of {$20.00} dollars a month for next 20 years So I have not heard anything from them in months nothing in the mail stated that have completed the program I even tried calling them and their number changed The number was XXXX XXXX and guy name XXXX XXXX was handling my case

Company response to consumer: Untimely response
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pulled report from Equifax and noted Credit Systems is falsely reporting 2 accounts in collections with inaccurate information. These 2 items was removed from my account over 4+ years ago and now it is reappearing. I was not notified beforehand legally of this collection and this should not be on my report with Equifax. 
I recently ( last week ) filed a complaint on XXXX for the same issue and it was promptly removed after notifying CFPB and now it has appeared on Equifax. I am requesting the 2 negative accounts placed in collections be removed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MB FINANCIAL, INC.
State: CO

Complaint narrative:
In late XX/XX/XXXX we used XXXX XXXX to find a competitive offer. We were subsequently contacted by XXXX XXXX of XXXX XXXX XXXX  XXXX with an offer to borrow at 3.875 %. We submitted the requested personal/financial info on XX/XX/XXXX and were soon notified that the loan was approved. Fast forward 2 months to mid-late XX/XX/XXXXafter much follow upon our part and we're asked to sign closing docs at a significantly higher rate that we only happened to notice in reviewing the docs closely. I REPEAT, NO PERSON EVER COMMUNICATED AN ADJUSTMENT TO THE ORIGINAL TERMS yet we were told to sign and return electronic signatures. 
I brought this to the attention of MB senior mgmt and after more than a week their best offer was for me to pay additional $ to buy down on a rate higher than my current mortgage. 
This is not acceptable to me and I request a better compromise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
regional XXXX XXXX  refuses to provide me with a statement of my account so that i can determine what my payoff amount is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a credit card with them for the longest time. When I tried to use my card end of last year, I had all sorts of issues. They kept declining my transactions. I'd call in then it would get cleared. I wasted so much time with this. I probably went through 5-6 times on this. Finally, this issue seems to be resolved but I had alot of issues with it. I feel fair compensation is in order. 

Also, when I used my rewards, I had to cancel XXXX nights. The hotel manager promised me that my rewards will be reissued but I have no gotten those reissued yet. They were XXXX pts per night at a hotel in XXXX XXXX, XXXX. I booked XXXX nights but had to cancel XXXX nights.

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 2018-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX our house was heavily damaged by Hurricane Irma. We contacted our mortgage company Wells Fargo and we were told that due to the fact that we were in a disaster area, we could defer payments for up to three months with no fees or damage to our credit score and that any payments we missed would simply be tacked on to the end of our mortgage. 

We had damage in excess of {$40000.00} and insurance only covered {$14000.00} of it so the rest was out of our own pocket. With Wells Fargo 's blessings, we then skipped XXXX and XXXX 's payment and resumed our payments on XX/XX/XXXX. We only took two month of deferred payments instead of the three Wells Fargo offered. 

In XXXX we were again told that our loan modification had been approved and that we would have the two mortgage payments we missed tacked on to the end of our loan. 

Every couple of weeks we get notices from Wells Fargo 's Home Preservation Department and we call them to find out why our loan has not been modified yet. They have repeatedly told us that we need not worry, that our modification would go into effect XX/XX/XXXX. 

Our loan still has not been modified. We have gone through five different representatives assigned to us by Wells Fargo and each one promises us it will be taken care of and then it isn't. 

The newest one is now telling us that no, they are not going to live up to their prior promises, that adding the payments to the end of the mortgage is not on the table. They have sent up a massive package if information demanding bank statements, pay stubs, tax returns, and lots of personal information. They have sent this to us six times, and each of the prior times, they told us not to worry about it when we called to ask why we needed to fill out the paperwork.

The representative now assigned to us never picks up the phone and her voice mail is full to the point that we can not leave a message for her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I had {$500.00} charged to my Coinbase account on XX/XX/2018 at a time when I wasn't even able to make purchases. I received nothing for the {$500.00} and immediately contacted coinbase. After numerous phone calls, I have only been told that they " have a ticket open for me. '' It has been almost a month and they are holding {$500.00} of mine that I clearly never sent to them, and for which I have received no products, services, etc. 

For as long as I am seeing no real action or attempt to reconcile this on their end I consider this to be fraud as they extracted funds from my connected account without my permission and have largely disregarded my attempts to reconcile the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.

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 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION/ NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFTBREPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.

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 2018-04-02 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have disputed the portfolio recovery accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Ive been trying to contact Santander about unauthorized activity on my debit card but I cant get through. Im XXXX XXXX so I have to go through special means to contact people. Anyway, because I couldnt get through to file a dispute Ill do it here. 

I discovered my debit card missing today and I see some unauthorized transactions on the account. They are ... 

XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018 There are also a couple of ATM fees. 

Please open a dispute for me and send me a new card.

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 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Constant, daily calls, sometimes multiple per day regarding a finance loan for a XXXX XXXX. I am not this person nor have I have ever had any business with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
I was in the hospital XX/XX/2017 due to a car hitting me as i was crossing the street they never stopped and i was co errant at the time. My friends took me to the hospital rather than waiting for an ambulance. I never received any medical bills to my address, my insurance company called me and told me that everything was covered. I got a credit hit so i called the company asking why they hit my credit. they never provided me with any information. I even offered to pay it since XXXX dollars was not worth it effecting my credit even then they said they wouldnt take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My student loans has been taken over by Navient, and I've always had an issue with trying to repay my loan. I've would like an affordable income driven repayment plan, but it seems all that I've ever been offered when I fill out paperwork for income driven repayment plan is to XXXX back, and this amount is what I owe for a year. All the while I know that I'm accruing another year of interest. I've spoken with Navient representatives about trying to just mail XXXX a month or something affordable and was told none of that would even go toward paying off the principle because I owe way more than that in interest every month. Another representative told me once that I should defer my loan for the next 20 years because after that it would be forgiven anyways. I've felt something is wrong with Navient ever since they took over my loan. I will never be able to pay this loan back with how high my interest rate is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: AK

Complaint narrative:
Dear Sir or Madam ; We have been making extra payments on our mortgage for over a year. In that time the mortgage Company " sometimes '' applies the extra payment when received. Other times it takes over a month or in one particular instance 4 months. I have contacted them and was told they would apply them correctly and reprocess, these were just empty words. 

I am tired of being placed on hold, not having my emails returned. XXXX XXXX formerly Merrimack Mortgage is the worst Company I have ever had to deal with. We were going to refinance just because of the " shotty '' accounting practices. 

Now I feel so strongly that if this is happening to us how many other customers are they holding there monies and possibly making interest off of? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, XXXX 's denied my credit application in a letter that contains discrimination on its face. The letter is attached to this complaint. The letter was issued in violation of XXXX 's company policy and the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I received a loan from a company name " Fast Path Loans '' in the amount of {$600.00} by way of a check that was sent to me in the mail. After making several payments on the loan they are still stating the payoff amount of the loan to be around {$600.00} to pay it off because the interest is assessed at the beginning of the loan and made part of the initial loan amount even though I only received @ {$600.00} the say the initial loan amount was in excess of {$800.00} I know the nature of interest and fees and how they relate to a loan and this process has to be incorrect given the terminology used even though they " fully disclosed '' on the paperwork they sent me. The called it interest which is accrued over time where as fees can be almost anything that is added on to the loan at the beginning for purposes of you using their money I understand and I get it this company is just playing fast and lose w/terminology to make their loans not seem as bad as they are which is " unfair and deceptive ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On and around the XXXX of XXXX, my wife was scammed in a fraudulent XXXX scam ring to the tune of {$8500.00}. We contacted USAA because she deposited a check from a company and the funds showed up available after 2 days. Since the money actually posted in the black and showed as a positive in the account she took out the funds to pay what was called processing fees in order to collect her " winnings '' the day after she pulled the money out in the form of money orders, the money was then showing as never having been there. So after calling and speaking with several reps from USAA, they simply told us that there was nothing they could do and it was our fault for having 11 years of " good banking behavior ''. Meaning when we deposited the check, they assumed it was good and made the funds available. But then days later, the check we deposited bounced and they just put our account in the negative without a call or any form of correspondance. They simply told me the money wasnt real because the check bounced. My question to them was, if the money wasn't real when it was in my " hands '' ( account ), then how is it now real when they ( USAA ) want to charge me that money? and the incidental kick to the junk {$5.00} processing fee they tacked onto the {$8500.00} that " wasn't real ''. Again, the money wasn't real to me, but was to USAA, they got real money from my account with subsequent fees, for money they themselves told me wasnt real ... I am ok with losing my money that was in the account which was only a bit over {$2000.00}, we got scammed, I get it, and I'd gladly eat that amount in shame. I am not however ok with being scammed by my banking institution to the tune of a total of {$13000.00}. When USAA took the the XXXX ( account was over 11,000 before the wife took out XXXX ), it put my account at a negative XXXX, and in turn I had to take a personal loan of XXXX, just to get back in the positive, for incidental bills and costs. This is unacceptable to say the least. Best case scenario, I get my money back or at least USAA loses that " Fake money '' that they made available taken from them. OR something happens to where this doesnt happen to anyone else. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation