vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I closed my XXXX card account in XX/XX/XXXX. At the time of closing my account, I was told the fees would be waived and balance would be updated to XXXX. I called again in XX/XX/XXXX and was again told that the fees would be waived and my balance would be updated to XXXX. I've attempted to dispute the charges via the three credit reporting agencies. XXXX continues to report my account as late and charged off. However, the balance consists of fees that were supposed to have been waived.

Company response to consumer: Closed with explanation
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: AZ

Complaint narrative:
I have disputed the XXXX XXXX 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 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: 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: AZ

Complaint narrative:
I have disputed the XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is the collection company reporting it and they would not resolve the matter, they just got aggressive and threatened lawsuit.

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 — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am struggling to make payments on my two loans who are being handled by XXXX. They are going into collections, working 1-3 days a week. Every one I try to talk to in customer service is incredibly rude and short with me. Not to mention I've been charged unreal amounts in interest. Today XXXX-18 I attempted to make a XXXX payment with a prepaid debit card because I do not have a checking account. Where I was told they do not accept these type of cards with their system. Now, I have to get a money order to mail to them in the mail. Which is only going to add more interest to my account in the meantime. I'm trying to make an effort to make payments, but no one wants to work with me or offer me other suggestions. I am also in the process of getting these loans consolidated through this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION 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 — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants Inc has called my phone number 6 days week up to 2 times a day since XX/XX/2018. I have told them do not contact me by phone use the USPS for communication. The phone number that is begin called is someone else phone number. 
The last call I received was today Monday XX/XX/2018. This company claims that I owe XXXX XXXX XXXX amount that was never discussed this information came from the person whom holds this number they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
I've completed two complaints regarding false statements from my mortgage company XXXX XXXX XXXX. I have a written response from them stating my bank didn't honor my payments and a letter from my bank I sufficient funds and no funds were attempted to be retrieved. The last payment retrieve from XXXX XXXX was in XX/XX/2017. My account has not changed and the check they received in XXXX from my financial institution should reflect the same account info from XXXX 's payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Immediate Credit Recovery
State: FL

Complaint narrative:
u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. 

i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. 

i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. 

i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? 

i will not be hired if this is not resolved.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I was contacted by planning folders to place an ad in a folder that would be distributed to a local facility that rents out for weddings. They said it would appear for one year in their folders and would be {$370.00} for one yer. They would design the ad and I would have a proof. A few days went by and they called and said they could offer year 2 for the same amount. I said ok. The ads and proofs never came t be. I contacted the CC company but they first put it in fraud but then moved it to dispute. They now are unwilling to work with me even though I have provided all the proof

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: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern : I am writing this letter to dispute an error in the reporting of my credit score. It has come to my attention that on two ( 2 ) credit card accounts I am designated as joint account, this is an error for the following reasons : I am only an authorized user ; not a co-signer. 
The accounts in reference were opened 2 years prior to my addition to the accounts and at no point in time did I open a new joint account. 
I have never used the accounts assigned to me, nor incurred any debt to the accounts aforementioned. 
I never signed any paperwork nor presented myself physically in front of any crediting party to sign and be part of joint account. 
I was added via telephone by the sole debtor and I consider these actions to be fraud and misuse of my name for malicious purposes. 
With the aforementioned reasons I request that a correction be issued on my credit reporting to reflect me as an authorized user. Anything deviating from this fact is incorrect and should be considered fraud and a misrepresentation of my credit abilities. I have filed a police report for fraud in regards to this matter and can provide additional supporting evidence upon request. 
I sincerely appreciate an immediate investigation into this matter and a response in regards of those findings. This is a serious matter that requires your attention at the earliest convenience

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Auto Loans, Inc.
State: MD

Complaint narrative:
I'm writing today because Security Auto Loans is reporting an alleged debit to my credit report with no proof. I have reached out to Security Auto Loans on more that one occasion requesting that they verify this debit. There has been no instance where security auto loans have responded back to me at all. I have asked them if they could send me some type of documentation to validate the debit ( preferably a copy of a signed agreement ) but i have been ignored with every request. The attached documents below are copies of the Latest letter that i have sent to Security Auto Loans requesting for proper validation of the alleged debit. The first letter dating back to over 90 days ago on XX/XX/XXXX and the most recent being XX/XX/XXXX. I have filed a dispute of the debit with XXXX who states that's security Auto Loans are responding back to them stating that the debit has been verified however Security auto loans has not provided XXXX nor I any documentation or information to which they have validated this debit. 

The following numbers are tracking numbers for a couple of the many letters i've sent to Security Auto Loans with regards to this issue. 

Tracking Numbers : Security Auto Loans XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered No Reponse

Company response to consumer: Untimely response
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
My loans were originally through XXXX XXXX XXXX ( XXXX ) which I believe to be a branch of XXXX XXXX XXXX. ( I got all my loans through XXXX XXXX. ) I have faithfully paid my student loans for the past ten years. I received information in XX/XX/XXXX saying that Navient would be buying my loans. I did not receive a reason. I did not receive anything that asked me if this was okay. I simply received a letter saying that Navient would be buying my student loans. I called XXXX  to find out what was going on only for them to tell me that they would still be servicing my loans and not to worry about it. On XX/XX/XXXX, Navient sent out a letter to me saying that they tried to mail me documents that were sent back to them. My address has been unchanged for five years. XXXX has had no trouble contacting me. Not only that but I then received a bill and a past due notice from Navient Dated for XXXX. I had already paid my XXXX bill which still has my loans on it. When reading the Navient bill, I discovered that Navient only purchased one of my loans, not all. Which was not stated in any correspondence from them. I called AES and they were very dismissive and arrogant. Upon calling Navient on XX/XX/XXXX, they informed me that I would no longer be paying XXXX for that loan, which I know is a lie. They demanded that I pay them. And said that they updated my address on XX/XX/XXXX of XXXX to my address. I have no idea what address they had. Clearly something shady is going on here. I am not going to pay Navient when I have already paid AES. I still do not understand why they would buy a loan I was paying on. I had not defaulted on it. This seems like a way for them to make up losses for court cases they have lost in the past. I am refusing to deal with Navient or give them my personal information because I was not involved in the process of them buying my good loan. Thank you, XXXX XXXX

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 — Problem with customer service
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I attempted to get out of default by entering a rehabilitation program ( 9 month program ). A title 4 was reinstated to my account after 6 months, I failed to make the other 3 months so I had to start over. They never asked me to resubmit my XXXX and Rehabilitation Agreement. In XX/XX/XXXX, I began making payments again and completed the program in XX/XX/XXXX, I asked the representative on the phone what the next step was and did I have to make anymore payments. He said No, you dont have to make anymore payments to us. Your loan is out of default, just wait for the next loan servicer to contact you. They will arrange your payments from here on out. That loan servicer is Reliant Capital Solutions,  they didnt send me any mail or correspondence until XX/XX/XXXX. When I contacted them, they told me my loan had redefaulted and I should call the Dept. of Education. I spoke to 5 different people, all of which said different things as to why it was redefaulted. The representative I spoke to in XX/XX/XXXX gave me false information. Thus creating this massive problem. All 5 representatives I spoke to confirmed that I was correct and they made a mistake. Their solution was to have me start off the rehabilitation program and pay until Im out of default. They offered no assistance in the massive issue they created and Im graduating college a full year later because of their mistake.

Company response to consumer: Closed with non-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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to these companies and asked Equifax to send me proof I approved these inquiries and no one provided proof. XXXX said the inquiries most stayed even when I did not approve them. 

I want the following inquiries deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I opened a XXXX XXXX credit card with Capital One XX/XX/XXXX. I used the card normally and paid my balances on time. In XX/XX/XXXX, I received a notice from XXXX  that an inquiry was performed on me, and when I investigated further, Capital One was listed as the company. Because I had already received a notice when I opened the card intitially, I worried that this was a fraudulent account. I contacted Capital One and they investigated for several days. When I called back days later, they informed me, as a precaution, they would put a hold on my account as they carried on the investigation. As a result, I was unable to make a payment on my account. 

After many months, I received a bill in the mail saying my payment was overdue and collections would be contacted if I did not pay. I immediately contacted Capital One and explained the situation and that I was never informed that the investigation had completed. They said no fraud was detected, and I paid my balance and closed my account. In the future, when checking my credit score, it showed a late payment due to that account. I once again called Capital One and explained the situation and that I was unable to pay because they had put my account on hold. Even though I have never had anothr late payment or other problems with my credit, they insisted there was nothing that could be done and as a result, my credit score reflects a delinquency that was out of my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WAFD BANK
State: WA

Complaint narrative:
It is inconceivable that Washington Federal ( XXXX XXXX ) had not disclosed the true costs of the loan, as the closing costs changed by more than 500 % within days of our expected loan closing date. 


We came to Washington Federal ( XXXX XXXX ) a construction loan to build a log cabin. One of these questions was whether we could use the appraised value of our land, which has not been in our possession for more than a year, rather than the purchase price. As our purchase price was in our opinion, and confirmed by Washington Federal, quite low, this was of critical importance to us in establishing the equity of our land. Washington Federal mentioned that Washington Federal believed our circumstance would allow us to use the appraisal price and Washington Federal would confirm with the underwriter. As a customer of the bank, we have no direct communication with the underwriter, and this issue was not brought up again by Washington Federal as a concern. We continued down the process of working towards the loan closing, paid for the appraisal, and provided documentation of 15 conditions set forth by the underwriter for the pre-approval process. These conditions required extensive work by us and we worked to complete these in a timely manner to ensure a smooth loan approval process. Within a week of our expected closing, for Washington Federal to inform us that the appraisal of our land could not be used was unprofessional and unethical. 

One of the loan requirements was to have a building permit. This required several thousand dollars of investment, so the project could be approved. We met this condition and submitted a copy of the permit to the bank, and then the terms of the loan changed, including the required loan to value ratio. 

On multiple occasions, we requested documentation of terms that were either verbally told to us or were documented differently than what was told to us. A loan professional, should not have waited for our request, but rather have documented any verbal representations immediately. For the majority of these requests, the documentation updates did not occur, and we were verbally assured by Washington Federal that it would be included at closing. For example, one item included a reduction in interest rate. As interest rate impacts our payments for a construction loan and subsequent 30-year mortgage, this item should have been documented and was not. 

Washington Federal charged us {$1100.00} for the land appraisal, over charged us {$200.00} did not send us a refund until we asked for a refund. If more documentation is needed for the complaint we will file at the time.

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