vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- XXXX XXXX  ) to  another ( Bank 2-Wells Fargo ). I received an email from Bank 2 confirming the transfer. 


On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 


Well, it didn't. 
Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 


I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


Note : I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account. I have all the documents acquired thus far. I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank ( which I already tried ).

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 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I continue to have issues with how payments are handled. I voiced my corncerns with how rude the reps are are a spoke with a supervisor today bythe name of XXXX. They expect you to know what they are talking about when you dont work at the company. I have made several lymph fum payments on my loans due to the fact that I have not consolidating them. On the website it states Congress sets interest rates however if I go into auto pay with them or will lower my interest rate. The information they provide is misleading I have made several lump sum payments I only once this year applied for forbearance today would have been my second time after speak iui mg with XXXX who was supposed to be a supervisor I voice my concerns with her as well once i said i would put in a complaint is when her tone changed. When I make my payments it states to postpone payment implaying due to over payment that anything due will not show as past due ... so in paying of my loans my amount due each much rises though I am in no payment plan you would think the more I pay off the lower my monthly payment would be however the opposite applies. Also when making over payments with the option I select it automatically places you I forbearance when it doesn't explicitly state that ad an option. I am not happy with the loan servicers. They have stolen my money over the years they have been my servicer enough is enough I am getting a lawyer involved. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX I called Citi to report fraudulent charges and report the card lost/stolen. the lost stolen was taken care of right away but the fraudulent charges have not all been credited back to the account after several calls to the company.Sent Cit a file on XX/XX/XXXX showing the 60 fraudulent charges from XX/XX/XXXX - XX/XX/XXXX along with dates, description, and amount charged. I've made numerous calls to Citi ; XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) always being told I would see the credits in 2-3 business days. On XX/XX/XXXX spoke with XXXX a XXXX in XXXX XXXX in FL and she said a complete audit would be done on the account and everything would be cleared up in 7-10 days. Called Citi one last time this morning ( XXXX ) and spoke with XXXX, again he said he would have it looked into. 

Since it's been over 60 days ( and out of the timeframe for a dispute to be resolved, I informed Citi I would contact the CFPB for resolution.

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 2019-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, i signed a contract with Ally Financial for an auto loan. I began the first {$570.00} payment on the loan XX/XX/XXXX. The first 5 years of the loan i made payments on time every month, never late. Last year i had to change jobs and got about a month behind. In XX/XX/XXXX i started making {$600.00} to catch back up and have since continued to make {$600.00} payment and am now only {$190.00} behind. During the first 5 years of the loan, i made 6 extensions, using those only when i was having financial trouble or was laid off from work. XX/XX/XXXX is the end on the 72 month contract and Ally has now added an addition 24 months to my loan. They claim it is because of unpaid finance charges, the finance charges on the contract where {$16000.00} to date i have paid over {$19000.00} in finance charges. I have contacted Ally and they seem unwilling to fix this issue and comply with the written contact.

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 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- U.S. Bank ) to another ( Bank 2- its XXXX XXXX ). I received an email from Bank 2 confirming the transfer. 



On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 



Well, it didn't. 



Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 



I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account.I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank. 

I have all the documents acquired thus far.

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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX, I contacted LoanCare and spoke with XXXX to determine why my payment was reporting as late. It was determined that the loan payment had been increased by {$120.00}, which resulted in the payment of {$1100.00} being applied to principle, rather than as a monthly payment. I made the additional payment of {$120.00} and was told the payment of {$1100.00} would be backed off and properly applied. On XX/XX/XXXX, I spoke with XXXX to check the status of the correction, and was advised that it would be 3-4 more days for the payment to be corrected. I called back on XX/XX/XXXX and spoke with XXXX, who escalated the payment correction for a 3rd time, and to call back on Wednesday to make sure the payment was corrected. I called on XX/XX/XXXX, and spoke with XXXX, who then transferred me to a supervisor named XXXX. XXXX promised me that the issue would be rectified by Friday ( XX/XX/XXXX ) and promised a call back. On Monday, I had still not heard from XXXX, so I called back on XX/XX/XXXX and was forced to request a callback, as XXXX was not available, and there were no other supervisors to speak with. I was called back by XXXX ( agent ID : XXXX/ direct phone : XXXX ). XXXX advised at that time that he was unsure why XXXX would have provided me with a timeline of XX/XX/XXXX for issue to be rectified, as it clearly stated the issue would be rectified on XX/XX/XXXX. He guaranteed me that the issue would be rectified by XX/XX/XXXX, and also guaranteed a call back. I called XXXX directly on XX/XX/XXXX, as the issue had not yet been taken care of and I did not hear from him. I left a voicemail and never heard back. I called back on XXXX, as my loan was now reporting as 30 days past due, and spoke with a supervisor named XXXX. XXXX stated it would be another 3 business days for the loan to be rectified, and that the loan had already been reported to the credit bureaus as derogatory. After pleading to have the issue rectified, XXXX stated she was transferring me to another member of management, where I waited on hold for over an hour and eventually had to hang up.

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 2019-07-01 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: CO

Complaint narrative:
XXXX XXXX XXXX used to be XXXX XXXX. Before the company name was changed I had paid off my balance through XXXX XXXX XXXX. When the name of the company changed my old, paid debt resurfaced. When I've called XXXX they see the " note '' in my file that the debt is paid and say that I won't be billed again. Four months later I getting payment notices and it is reported to the three agencies. I have sent them paperwork which is also on file. This directly afters my credit which I'm trying to fix.

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 2019-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: MI

Complaint narrative:
I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off 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 2019-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
End of Lease notice emailed on XX/XX/2019 showing amount owed. Check for {$460.00} cashed by Hyundai capital by electronic check on XX/XX/2019. The letter from XX/XX/2019 stated that the funds needed to be paid within 15 days. I received an additional notice that the account was not paid via text. I called back on XX/XX/2019 and explained the check had been cashed on XX/XX/2019 and they explained they posted the payment to the wrong account on XX/XX/2019. I said I did not want this to reflect poorly on my credit since it was the company 's error. I was told they would get it reversed and show that it was paid on time. This did not happen and my credit report is showing a delinquency that is paid. I want this removed as it was not my error and was paid in a timely fashion. On XX/XX/2019 I spoke with XXXX XXXX, Senior Customer Service Manager and he explained that all the notes reflect what I have stated in this complaint and that they are not able to do anything at the customer service level since they are not credit report experts. I explained that I wanted them to reverse their error so the credit report would be updated and I was told they are only able to file an investigation to see what is already in their system as a company error. I was told this can take up to 30 days and they would not send me anything in writing that I would have to call back to check on the status or if I saw it was reversed on my credit that would be proof it was done. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BlueChip Financial
State: MI

Complaint narrative:
I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MA

Complaint narrative:
On the most recent occasion, XX/XX/19, I attempted to pay off a small loan XXXX  {$120.00} XXXX with over payment from my monthly payment. This time I attempted and followed emailed directions to completely pay off this loan, I came to find out that only {$.00} went to principal and {$.00} went towards interest on this loan. The other amount went towards the last loan I have through them. It is with great frustration that I am writing this, I am trying to move forward and pay off loans as a working professional and this company makes it very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocean Lending Home Loans
State: GA

Complaint narrative:
My house had a foreclosure on XX/XX/2019 that I am thinking was illegal foreclosure. I have spoke with attorney we believe it was a break in the assignment. I need to be explain why Ocean LLC 18 forclosed on my hoe. I originally purchase the home for XXXX XXXX XXXX XXXX. I need to know the connection to Ocean LLC 14 I was going over the deed transfer my attorney don't see a connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc.
State: MI

Complaint narrative:
I do not owe this debt, I also never received a letter informing me of this debt and the chance to dispute it prior to it be placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Synchrony home 2 months prior to have the 25 % intrest rate reduced. my balance continues to increase and on an online chat I was advised it could be up to 39 percent. I checked my statement and saw it was 29 percent. im never able to get the same answer either through calling, chat, and my balance never seems to decrease.

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 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Summary : Paypal rescinded an offer to refund me for the cost of a bag that did not match its online description. I mailed the bag ( at my own cost ) to XXXX after the initial determination that I would receive a refund, but after I mailed it I received notice from PayPal that I would no longer receive that refund. They gave no explanation, and they denied my later online requests to reconsider.

The bag is now back in the hands of the seller.

The bag in questions lacked the two key features highlighted in the description, and initially PayPal accepted my request to return the bag and receive the refund. Purchase price = {$45.00}.

I am now out of a bag and the return mailing costs. 

The purchase was made onXX/XX/XXXX, and there have been a string of emails with the seller and PayPal since then. But PayPal has closed the case, and no human seems willing to speak with me. Its emails are all automated and I imagine no one has given my case any thought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc
State: PA

Complaint narrative:
Used care was purchased in XX/XX/XXXX. In XX/XX/XXXX The car began to leak inside. It was immediately taken back to the dealership. The car was checked an the problem which was believed to cause leaking in the car was replaced. However, the car continued to leak. The car was taken back to the dealership approximately 4 to 5 times regarding the same problem. The car was taken back to the dealership again and was repaired. In XX/XX/XXXX, the car began to make loud noises, I contacted the dealership regarding the issues, but was told that I had to pay for any issues going forward so I had the break lines repaired and roaders which cost {$400.00} by a different mechanic. The problem continued up to XX/XX/XXXX when the car was taken to another mechanic who indicated that the breaks were damaged. The car was fixed again which cost approximately {$500.00}, however the car began to make the same noise, vibrate and other mechanical issues which caused me not to be able to drivXXXX. The dealership was contacted in XX/XX/XXXX to have it taken back due to problems and I was no longer able to afford to pay ongoing repairs as well as the maintenance and monthly payments.it became very costly to maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: MA

Complaint narrative:
To XXXX, XXXX, and TransUnion. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX  ) while others have not since updated that original XXXX  credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX  XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim 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