vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.

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 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I applied for a loan modification and I was denied. The reason given for the denial is that the bank could not lower the payments even after a thorough review of my application and new financial information. 

The reason for the default is due to medical issues as I injured my XXXX XXXX and had undergone a XXXX and as such I was unable to work for almost one year. 

At this point I am able and willing to make the payments even if they are higher as there is sufficient income and as such I do not believe that my application for a modification should have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 I requested a paper check be issued for {$200.00} to my father XXXX XXXX XXXX from my prepaid American Express Serve card. The company issued a check for said amount and indicatedd my father would receive the check within 3 days. XX/XX/2018. The check never arrived and has never been cashed. I filed a request for a stop payment on the check but, yesterday I received an automated letter that they can not issue a stop payment on an ach transfer. The transfer was not ACH since I never provided an account number or routing number for my father, it was supposed to be a paper check which is clearly indicated when you log on to their website. I called today and they say that they need further investigation and will not have any information until XX/XX/2018. I have made several attempts calling the company but they are unwilling or unable to credit the missing {$200.00} back to my Serve Card.  I was told yesterday that the stop payment would be issued and today XX/XX/2018 the {$200.00} would be available for use. Today I call and they again mis inform me that I must wait until XX/XX/2018 for them to complete an investigation into their own deceptive practices and I fear that I will once again simply receive a form letter refusing to stop payment and keep my money. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto  payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. 

However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. 

I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. 

This is blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX   and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!

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 2018-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc.
State: WA

Complaint narrative:
I received a variety of quotes from reverse mortgage vendors and originally Global Equity provided one of the better quotes. However ; during the process of gathering information one of the vendors offered a XXXX cost loan. Global Equity offered to match and I decided to stay with them. When I received the final  paperwork the XXXX cost loan offer had been retracted and I signed the paperwork under protest. See letter sent to Global Equity in XXXX of 2018 and email received from Global Equity offering XXXX cost loan. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent {$150.00} by logging in to my wells fargo app via XXXX I am a first time XXXX user I submitted the payment to the wrong email address due to adding a zero it was sent to someone with a wells fargo account instead of going to a XXXX account I called Wells Fargo immediately and was told to wait 48 hrs i have went inside the branch 3 times requesting help and all they say is for me to contact the person of whom i dont know and all they say is they see my funds in someone wells fargo accounts today i called and a rep says XXXX is like a lottery and i gave free money to a unknown person..I could see if i have used this service before then I should be savvy in transferring funds but I dont have a clue and my financial institutions is not FDIC my funds or going to bat for me and its all internally im at a lost for words I will never use this application again XXXX XXXX offers its user better help than wells fargo please help thank you in advance

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 2018-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Have been in litigation and still am, my cousin said just fax in modification, is an option arm loan so send in, was faxed in XX/XX/XXXX18 and XX/XX/XXXX18 my cousin called today and said no paperwork??? ( see proof ) cousin said just request modification WellsFargo is easy to deal with then stop ligitation. Just want modificaiton done, thank you! ( fax was messed up on 1XX/XX/XXXX18 but was faxed 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 2018-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This morning a make person came and knocked at my door asking for My daughter. I advised the person she does not live here. Then he asked if XXXX XXXX lived in the property. This person has called me and my husband harassing and trying to get information concerning XXXX. This has been going on for while. Ow they driving in my private property and knocking at my door. THIS IS HARRASMENT. I have told them before and does end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: CORELOGIC INC
State: AR

Complaint narrative:
I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed.

1. XXXX  Auto XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. XXXX XXXX JXX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. XXXX /Airlines I did not apply for this, I don't even fly.

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 2018-10-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased a product from XXXX  and I never received the product, Chase is accepting a fee of {$150.00} for return freight not credited back to me, I never asked to have it returned nor did i sign for it. The XXXX website even states clearly return freight is not allowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 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: Southeast Finance Inc.
State: NV

Complaint narrative:
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had an account balance of {$56.00} on my XXXX XXXX credit card in XX/XX/2018. I tried to pay it in full but the payment was " reversed '' that month. The following month, I paid {$57.00} and thought my account was paid in full ( including any interest ). I didn't realize that XXXX XXXX had charged me {$27.00} in late fees at that time. XXXX 's then proceeded to charge me ( i ) late fees of {$27.00} and interest charges of {$2.00} in XXXX ; ( ii ) late fees of {$38.00} and interest charges of {$2.00} in XXXX ; ( iii ) late fees of {$38.00} and " interest charges on purchases '' of {$2.00} in XXXX ; and ( iv ) late fees of {$38.00} and " interest charges on purchases '' of {$3.00} in XXXX. My account balance is {$180.00}. I have electronic billing and did not realize this balance was accumulating until I received a letter in the mail recently. 

I called XXXXXXXX XXXX to request removing this large sum of late fees, especially considering I had already paid of my balance -- each fee itself is high and seemingly untethered to any balance. I spoke with three different people in customer services, collections, and escalation, and the most I was offered was waiver of the last two late fees, totaling {$76.00}. I requested that waiver and asked if there is anyone else I may speak with because the fees seem unreasonable and punitive simply for failure to pay the initial late fees. I was told I can speak to whomever but the most the system allows is for someone to waive two late fees. 

I am retired and unable to afford this. I don't believe it's reasonable for an institution to stack late fees upon late fees with no apparent cap, and totaling in nearly {$200.00}. I was even told that if I don't pay the balance by XX/XX/XXXX, XXXX XXXX will charge another {$38.00} in late fees. I would really appreciate your help in sorting this out because I simply can not afford these crushing and unfair fees. I also note that my account still does not reflect that any of the fees have been waived, as promised.

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 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Today, Optimum Outcomes reported a medical bill on my credit report. They did not send me a notice of my right to dispute before reporting this bill, so that is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I received a pre qualified offer of a personal loan in the mail. I called the company to find out what their rates are because it is not in the letter and I could not find it online. I was told that I will be given the rate once I apply. I'm pretty sure that's illegal. So basically I have to take a hit to my credit to obtain a rate for a loan that I might not actually want because I don't want to pay their interest rate. When I explained that I wasn't interested in applying until I knew how much it would cost me she was adamant that she could not give me the rate or range of rates. " it will be in your loan docs ''. I can't even find out the terms of the loan until I apply. Legitimate lenders do not operate like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Our lease expired on XX/XX/2018. We had contacted the office to ask if we could lease on a month to month basis as our home was not ready. We in fact did not need to go month to month and moved out of the apartment before our lease was up. We had signed our notice to vacate 3 months prior. We did not sign a renewal on our lease. We are not responsible for 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 explanation
Consumer complaint received 2018-10-25 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: LEXISNEXIS
State: CA

Complaint narrative:
Regarding the following : XXXX XXXX XXXX XXXX XXXX TAX ID is XXXX I have made multiple calls and request since XXXX of 2018, and each time I've been told by a XXXX XXXX CSR that they will send me a report but yet to receive it. 

This is an ongoing issue with XXXX XXXX and they have don't respond or ignoring my request. Federal Law requires that they should provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided them with additional documents and information shows differently. Therefore if the reported items are inaccurate, misleading or incomplete ; XXXX XXXX may have violated the Federal Law. 

Also, I requested this investigation on XX/XX/2018 and now it is almost 6 months with no concern or proper respond. Please investigate this inaccuracies and delete the incorrect reporting from my company 's record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed. 

1. XXXX XXXX XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. Syncb /XXXX XX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. Syncb /XXXX I did not apply for this, I don't even fly.

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 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
since XXXX, capital one have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the company is currently reporting to the three credit bureaus that I had applied for credit with their organization. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 
These inquiries put my credit down 40 points. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These are the following INACCURATE inquiries ( Validation is need ASAP ) : CAPITAL ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX CAP ONE TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Capital One Bank Usa TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Capital One TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation