vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I've been used to getting my annual reports from all three agencies for many years. After hearing from a credit card company that there was an attempt to use my card online, I wanted to see my reports and freeze everythiung. 

After getting my report from XXXX, I checked Experian. 

The first time I was required to upload documents in a black and white tiff file or pdf under 15 mb. I spent an hour trying to do the conversions, and despite familiarity with these processes, I could not do so. I've done file conversions for years. I had cropped the files, etc. But you can not reduce file size in either as they are vector files. But then I only tried three different conversion programs. They should accept the images in any format that a camera or smartphone takes them without requiring people to jump through hoops.

I began the process again and this time it accepted my answers.

Checking my report, it was spread apart on about 20 different pages, and they were summary. Again, this was made as difficult as possible. I did find an extra street address which didn't even exist and requested that it be deleted. I could not find the one place to download my credit report. Also, one account was missing. 

I successfully filed a dispute to delete the erroneous address. I saw options for credit alerts, fraud alerts and freezes plus other services and could not determine which I needed. I went through all the menus and could not decide. 

I then spent two hours trying to reach someone calling six phone numbers a total of eleven times., The numbers on their website would not allow me to reach anyone. I went through multiple levels of menus providing all sorts of information on each only to be given binary choices of yes or no to turn on one feature or another. Attempts to break through by pressing zero or saying agent did not work. The one number to get me through is not listed on their website, but a consumer agency. 

Once I dialed this number I did reach someone who was able to answer my questions. 

Experian has purposely made it impossible to reach them. I'm certain they can prevent credit freezes and have more records to sell and reduce their liability for errors by saying they were never told by the consumer. This is not what the law intended for consumers to experience.

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 2018-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A NOTICE OF TRUSTEES SALE WAS SERVED ON MY FRONT PORCH BY XXXX XXXX XXXX   XXXX CALIFORNIA ON FRIDAY XX/XX/2018. THIS IS THE SECOND ATTEMPT BY THIS DEBT COLLECTION AGENCY TO ILLEGALLY SELL MY HOME AT AUCTION .THIS NOTICE WAS SUPPOSED TO BE SERVED TO XXXX XXXX AND XXXX XXXX AS THEY DO NOT LIVE AT THE ADDRESS SERVED, THEY WERE NOT SERVED. MY NAME ALSO DIDNT APPEAR ANYWHERE IN THE NOTICE OR ATTACHED DOCUMENTS NOR WAS THE NOTICE TO PROPERTY OWNER SIGNED IT WAS LEFT UNSIGNED! WHAT KIND OF SERVICE IS THIS? THIS IS BAD SERVICE WICH RENDERS IT VOID. I AM THE OWNER OF THE PROPERTY IN QUESTION AND I WAS NOT SERVED. THIS IS A DEMAND TO CEASE AND DESIST ON THE ILLEGAL AUCTION OF MY HOME AS YOU NOR CHASE BANK HAS VALIDATED THE DEBT, IT IS ILLEGAL FOR CHASE BANK TO HIRE XXXX XXXX TO FACILITATE A ILLEGAL THEFT OF MY HOME .IN NON COMPLIANCE WITH FDCPA 15 US CODE 1692 AND SECTION 5 OF FTC  REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-30 DAYS LATE XX/XX/XXXX -30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For the past couple of months, I have been charged hundreds of dollars in overdraft fees because of the way transactions are posted with Chase. They post transactions late so I can check one day Im okay, and the next Im overdrawn but I havent purchased anything that day. Furthermore, I have tried to get chase support to help me turn on purchase notifications, but every time they completely ignore my question. I am unable to turn on any kind of alerts about transactions within my chase banking app. I have brought his up in the past and it has gone ignored every time. Furthermore they also post my weekly direct deposits late. I check this Monday to ensure my account was in good standing, and I even had a friend send me some money to be sure. The next day while Im at work chase posts three transactions, with no notification of any sort, and by the time I get home at XXXX on Wednesday, chase has already taken a third of my paycheck in fees. This has been going on for months. I do my best to keep my account in good standing, but Chase is unwilling to help me fix the issues, and I can not be checking my phone every 30 minutes to see if ill be getting my XXXX XXXX that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: OK

Complaint narrative:
Under the service members relief act, I had 1 year to get with the department of education to setup payment arrangements for my student loan debt. I was XXXX XXXX until XX/XX/2015. Not to mention this account was established before I ever even finished the program that it was paying for to the credit bureaus as late and is over 11 years old. So it shouldn't be on my report to begin with. I have tried and tried to be get XXXX and Experian to fix this issue to no avail. So I disputed it to Experian, and requested that they reinvestigate but due to language and comprehension barriers, they don't understand exactly what I am trying to get them to do. I have tried disputing with your choice of the three reasons to no avail. Uploaded documentation still nothing. They could pick any of the three and remove but refuse

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 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: TX

Complaint narrative:
I had a mortgage with XXXX  XXXX XXXX. XXXX  XXXX XXXX transferred the title of the house to XXXX XXXX XXXX and I bought the house free and clear from XXXX XXXX. I used a hard money lender named Athas Capital and I borrowed {$130000.00} and purchased the home. Somewhere along the lines fraud came into play. XXXX XXXX XXXX says they never transferred the title to XXXX XXXX and that they still own the house. Meanwhile, I closed on the house with XXXX XXXX XXXX and Athas Capital and they say they own the house. Meanwhile, I have two banks saying they own the house and if I don't pay them, they are going to foreclose on the house. Now I am stuck paying 2 mortgages over $ 3000+ for a {$130000.00} house and I can't afford it. I have been asking both mortgage companies to figure out who owns the house but they both won't. I have been paying 2 mortgages now for almost a year and its really crushing me financially. Both of these mortgage companies have title insurance and one of them needs to exercise it and recoup their loss.I need your help to make them settle this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I mailed a check to pay off the lease and it was applied to our account on XX/XX/18. This payoff resulted in an overpayment. XXXX XXXX XXXX mailed a check on XX/XX/2018 to our home address which was on file. This payment had no tracking number nor was it sent requiring a signature. Unbeknownst to us, this check was fraudulently taken and cashed on XXXX at a check cashing facility. We contacted XXXX XXXX XXXX on XX/XX/18 about the whereabouts of the check. At that time, we were advised that the check had been cashed. We informed them that we had not received or cashed the check. We asked that we be provided a copy of the check and were told that it would take a couple of days to receive from their bank. After the phone call with XXXX on XX/XX/18, we immediately filed a police report and a complaint with the postal inspector. We also advised the local post office that this check may have been stolen from our mail box. On XX/XX/18 XXXX XXXX sent us a copy of the check that was provided by their financial institution which shows that the Payee was not the one who cashed the check. Despite knowing that we were not the ones who cashed the check, they refuse to reissue the funds to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/18, I logged into my USAA mobile app and noticed several unauthorized transactions that were made in different cities in the state of Texas. I currently reside in XXXX, TX. 

On XX/XX/18, my card was used at a XXXX in XXXX, TX, in the amount of {$1.00}. It was used again, on XX/XX/18, at XXXX XXXX XXXX in XXXX XXXX, TX for {$15.00}, and again at XXXX XXXX XXXX XXXX XXXX in TX for {$16.00} On XX/XX/2018 two purchases were made. 1 ) XXXX XXXX XXXX for {$580.00} 2 ) XXXX  XXXX for {$1000.00}. 

After a " full review '' from USAA, it was determined that the charges are valid. I might add that this process was concluded in one business day. That hardly seems sufficient. 

Furthermore, USAA states the transaction were made close to my home. After personally reviewing, I determined that to be false. The aforementioned transactions occurred well over 200 miles from my home. USAA also cites my USAA mobile app was used while the fraud was in progress. To date, they have been unable to provide me proof. 

Nevertheless, I cooperated fully with USAA and filed a police report. To date, my case with USAA remains closed, and I have been unable to reach anyone. I have left two voicemails at the extension provided, but have heard nary a word. As a consumer, I am not being afforded Zero Liability Fraud Protection. 

Coincidentally, my credit card at another financial instutation was used in XXXX XXXX, OK for {$180.00} on the same date ( s ) as the transaction ( s ) that occurred on my USAA account. I have submitted documentation to the email address USAA provided - XXXX - that went without a response. 

As a result, I am left without a significant sum of money and no clear answer from my bank - so much for protecting the cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed this account online through the credit bureaus to have it removed. Account shows as closed but this account shows delinquent payment for XX/XX/2012. Account should be removed from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo took over my mortgage loan previously with XXXX XXXX XXXX XXXX, Deed of Trust Dated XX/XX/XXXX, XXXX in a letter dated XX/XX/XXXX, it was brought to their attention that the borrower 's payments were being misapplied. Wells Fargo chose to apply payments intended for the Principal to place payments in suspense or either advance the payment due date, in both cases did not benefit the borrower. This practice was carried on by Wells Fargo from XXXX, the borrower attempted on many occasions to communicate with Wells Fargo by telephone for them to explain and correct the situation. 
Wells Fargo responded to the borrower in a letter initialing denying any adverse action had occurred with the application of his payments. Subsequently, when legal counsel was brought in Wells Fargo story changed and stated that the borrower had not provided written instructions so that Wells Fargo could make Principal Payments in accordance with the Deed of Trust. 
Matters were further complicated by Wells Fargo when responding to our questions and request not to foreclose on the property until Wells Fargo applied the principal payments correctly, In addition, explain why they cease using the COSI ( A Cost of ) Savings Index ( COSI ) without notice to the borrower and substituted with EURO Dollar Index which the Federal Reserve ceased publication in XX/XX/XXXX, and again XX/XX/XXXX. Relying on the last date of Publication XXXX, The attached letter by Wells Fargo dated XX/XX/XXXX, clearly gives notice of a rate change in XX/XX/XXXX, and a change to a new index LIBOR, as a result of the EURO Dollar Index not being published. There appears to be a significant gap in the dates, moreover, Wells Fargo answer sheet attached is not truthful about the changes which will not occur. 
Wells Fargo claims to have transferred the loan and " washing their hands '' The borrower is left out in the cold without any answers while a multi-million company still moves along running over and abusing their customers.

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 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
There is an ERROR on my account On XX/XX/2017 we were informed about a program that we thought was to help homeowners recover from hurricane and storm expenses. As we were told for this program we were to stop payments for a year. It was our understanding that the amount accumulated for that year would then be extended and added on to the balance due on our home. Nowhere did Seterus alert us that we had to pay this money upfron. Now we are struggling to make payments and no payment plan has been offered to us. During the program, some payments were made but meanwhile, we are thinking that funds sent for the mortgage were being put towards the capital and it wasn't. During the end of the program, we paid XXXX come to find out we have to pay the rest in one payment. We never received any information notifying us on these terms and now we are being threatened with foreclosure. Please respond accordingly. 
Thank you

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 2018-12-19 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: VA

Complaint narrative:
Hello. I received an unauthorized inquire form XXXX XXXX on XX/XX/2018. As soon as I saw the alert, I called XXXX and they stated that they would send a form to Transunion to have it deleted. I contacted XXXX XXXX again on XX/XX/2018 because the fraudulent inquiry was not removed. They said it would take up to 120 days. I called XXXX XXXX in XXXX and they stated they sent the forms to Transunion to have the fraudulent inquiry removed. I called Transunion and they said they do not have them.. I called Transunion again the week of XX/XX/2018 and stated they still had received nothing. I called XXXX XXXX again the same day and they said it was sent twice to Transunion to have the fraudulent inquiry removed. I decided to wait another week or so. I called Transunion again today, XX/XX/2018 and the representative said they are opening up a " dispute '' case and they have some information about the fraudulent inquiry in their notes. I am still not sure if they have the actual paperwork from XXXX XXXX or not. This is not a dispute case. I would never apply for a XXXX XXXX phone. Ever. I am in the process of fixing my credit and this is a huge disappointment and set back. I asked the representative at Transunion why is it an investigation? XXXX has already done that. You are just supposed to delete it according to XXXX XXXX Fraud Department. His only answer was to wait for a response in the mail in 2 weeks. I need to know if XXXX actuall sent any information about removing the inquire to Transunion and if Transunion actually has it. I also am requesting for that fraudulent inquiry to be deleted not investigated a second time. XXXX said it was an application done online. Both XXXX and Transunion have my mailing address and I know it is not the one on that fraudulent application.

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 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, we purchased a XXXX  XXXX XXXX and traded in our XXXX XXXX XXXX, which we traded in ( through XXXX ). On XX/XX/XXXX, we were charged for our loan payment on the XXXX, which was financed through Wells Fargo Deler Services. We thought we would receive the money back in a timely manner -- This has turned out to not be the case. 

XXXX mailed the payoff check shortly after the purchase. Wells Fargo acknowledged their receipt of it on the XXXX of XXXX. 

Wells Fargo dealer services did nothing to notify us of the overage. We waited over 11 business days of radio silence from them, and then were forced to call. The recipients of our call were unable to ensure delivery of our check until well after the XXXX of XXXX because of their internal processes -- - Over 4 weeks after they have been paid, in full, on time, every time.

There was zero accountability on their part, and this appears to not be an isolated incident. It appears that the issue itself is systemic and that Wells Fargo is again taking advantage of consumers in ways that are unethical, if not illegal. Had I been late one time, they could have taken our car. Now, they are holding our money hostage as if it's no big deal. 

These shady, illogical, and asinine business processes amount to nothing more than a cash grab from hard-working American families.

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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THIS BANK is a RIP OFF! on XXXX XXXX I opened an Acct. w/WELL FARGO with a BONUS of {$250.00} after 60 days or 2mos, spending {$10.00} per mo. I spoke to Mr. XXXX XXXX the BANKs AGENT and he said give it a bit of TIME, I waited 30 days went BACK to Mr.XXXX, and he said wait a bit LONGER, 30 days later I went BACK to mr. XXXX he CALLED??? the MAIN OFFICE and told ME they, the MAIN OFFICE WOULD be in TOUCH, I recieved a letter STATING theyere aware of the MATTER and WOULD ADVISE, 30 days later I WENT BACK to Mr.XXXX  HE AGAIN CALLED the MAIN OFFICE they ASSURED HIM that THEY WERE on IT, I KEPT WRITING and CALLING and THEY WELLs FARGO kept STRINGING ME ALONG for SIX or SEVEN MONTHS, that is WHEN I DECIDED to START a CIVIl CASE AGAINST WELLs FARGO BANK, I HAVE ALL THE PAPERS, PRIMARILY A VALID CONTRACT FOR THE BONUS DEAL, they OWE ME TODAY {$1000.00} ACCUMILATED COSTS TOTAL as of TODAY, TOMORROW is ANOTHER COST!!!

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