vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2018 : Initiated a complaint to Wells Fargo regarding my business credit card for the last 2 days about incorrect available credit of {$99.00} which shows in my account. The available credit should be {$260.00} and the credit limit is {$500.00}. I explained to them about an order from XXXX which charged my account was completely cancelled and I received an email confirmation of this cancelled order and they refused to make adjustment or having issues making the adjustment to my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: NY

Complaint narrative:
I do not understand why capital one has ran my credit 3 times in 5 days I never authorized this. this is total abuse and I want this to be removed CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX  XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I HAD A LOAN MODIFICATION XX/XX/XXXX AND AT THAT TIME MY BALANCE WAS {$91000.00}. AFTER THE MODIFICATION MY BALANCE WAS {$95000.00}.

I THEN HAD TO GET ANOTHER MODIFICATION IN XX/XX/XXXX. AT THAT TIME MY BALANCE WAS {$96000.00}. AFTER THE MOD MY BAL WAS {$100000.00}.

I CAN NOT SEEM TO GET A EXPLANATION AS TO HOW MY BAL INCREASED FROM XX/XX/XXXX AFTER THE FIRST MOD TO XX/XX/XXXX B4 THE SECOND MODIFICATION. THIS REALLY DOES NOT MAKE ANY SENSE TO ME. IN 6 YEARS I PAID MY MORTGAGE THERE WAS ON A TIME IN XX/XX/XXXX THAT I FELL BEHIND BUT I STILL MADE PAYMENTS. OTHER THAN LATE FEES AND INSPECTION FEES WHICH SHOULD NOT HAVE CAUSED A INCREASE IN THE BALANCE TO THAT EXTREME I DONT UNDERSTAND WHAT HAPPENED.

I HAVE TRIED TO OBTAIN A PAY HISTORY AND AMORTIZATION SCHEDULE. I HAVE TRIED TO GET CUSTOMER SERVICE TO GO OVER IT.

I REALLY FEEL AS THOUGH I HAVE BEEN ASSESSED SOME LARGE AMT OF FEES BUT I CAN NOT CONFIRM WHAT IS CAUSING MY BALANCE TO BE SO HIGH THIS LOAN STARTED IN XX/XX/XXXX WITH A BALANCE OF {$98000.00}.

PLEASE HELP 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 2018-07-13 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I do not understand why this company has pulled my credit report twice I never authorized them to pull my report I never applied for anything through them SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX   XXXX, TX XXXX ( XXXX ) XXXX SANTANDER CONSUMER USA XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Family suffered complete loss of home. Insurance sent check which was made out to myself and Well Fargo. We had a home equity loan which had to be paid off, that was why it was made out to both. Sent check to Wells Fargo to have them payoff loan in mid XXXX, haven't seen check since. {$400000.00}.

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 2018-07-13 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 requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I received a letter dated XX/XX/XXXX from Ditch/XXXX XXXX about interest on my home in which I added to my chapter XXXX bankruptcy case number XXXX which was discharged in XX/XX/XXXX. I wrote you previously about this company stating that I owed them XXXX on a home that was discharged in my chapter XXXX bankruptcy. I filed case number XXXX with you and you made them send me my deed to my home. Now they are stating that I owe this much interest on my home and trying to send XXXX XXXX an interest statement for this XXXX. I am on social security XXXX and do not file taxes on my income. I talked to my attorney and they gave me advice to file taxes in which I do not have to file taxes being XXXX. I have never paid this much interest on the home in one year, since I have been living in the home. I believe this is bogus and this new company is trying to collect for XXXX XXXX XXXX. I am filing this complaint to get them to stop collecting from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a vehicle back in XXXX with XXXX XXXX which is now Wells Fargo. I went to NJMV to get a copy of the TITLE and was told by NJMV I still have a Lien on the car from XXXX which was paid off in XXXX or XXXX. I called Wells Fargo and they say they can not find any info on the car or my name, SS #. or VIN # from the car. I have recently purchased a car and I am trying to trade this XXXX XXXX XXXX in but can not get the title because XXXX never released the LIEN. Wells Fargo is stating they need something from NJMV showing that there is still on Lien on the car but they do not give any copies out on their end. I was told the bank should have all that the info on which they do not show anything. I have been dealing with this issue since Monday and I am getting the run around from Wells Fargo. I have faxed over a letter and also a copy of the registration and still can not get any answers from them. 
The car is A XXXX XXXX XXXX VIN # XXXX My contact is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: SC

Complaint narrative:
I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? 


THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXXXXXX XXXX fee practice I made 2 payments to pay off a balance. 

Original purchase date XX/XX/XXXX for {$41.00} XXXX statement rec 'd XX/XX/XXXX via email Minimum payment on statement : {$27.00} due XX/XX/XXXX. 

Made the minimum payment of {$27.00} online and scheduled it for XX/XX/XXXX due date. 

This appears on the statement : MinimumPaymentWarning : Ifyoumake onlytheminimumpayment each period, you will paymore in interestand it will take you longer to pay offyour balance.For example : If you make no additional charges using this card and each month you pay ... Onlytheminimumpayment You will pay off the balance shown on this statement in about ... 2 months. 
And you will end up paying an estimated total of ... 
Onlytheminimumpayment 2months {$42.00}. 

XXXX statement rec 'd XX/XX/XXXX. 
New Balance {$16.00} due XX/XX/XXXX ( {$14.00} + {$2.00} Fee added ) Made payment of {$16.00} online and scheduled it for XX/XX/XXXX due date. 

XXXX statement rec 'd XX/XX/XXXX Statement balance of {$2.00} Statement shows {$16.00} - {$16.00} + {$2.00} fee. 
{$2.00} payment due XXXX XXXX. 

This is my complaint. I paid the balance on the due date that included a {$2.00} fee and now they are charging another {$2.00}. I corresponded 2 x and received 2 replies. 
I don't accept the explanation as I don't think it's right to charge a fee after the balance has been paid off and on time. 

Here is the final reply : Dear, Thank you for taking the time to respond to our most recent reply. It's my pleasure to assist you. 
I understand your concern regarding the interest charge appearing on your account. 
I would like to inform you that an interest fee is charged on your account when you carry a balance for two or more months then pay off the account. If you have been paying less than the full balance of your account and you then decide to pay your balance in full, you will be charged interest on your average daily balance from the first day of the billing cycle through the date your payment in full is received. The interest charge will appear on your next billing statement. 
As always, you can avoid all interest fees by paying your balance in full every month. 

In the future, you can also process your payments using any of these options : Pay in any of our stores Pay by mail Pay by Phone If you have further questions or comments, please contact XXXX XXXX Credit Customer Service online at XXXXXXXX XXXX XXXX by selecting XXXX XXXX Credit Card , or by telephone Monday through Saturday XXXX-XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
XXXX XXXX Credit Customer Service XXXX Now you can pay your bill on-line at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NE

Complaint narrative:
XXXX XXXX called me and made it clear that I was not going to have any money taken out of my act until the end of the next week. I have called numerous times and I have been hung up on and the phone representatives were very misleading. I am in non financial condition to throw money at this company. I wanted to look into repairing my credit not getting it ripped apart by some scammers. XX/XX/XXXX I was texted info and it stated I was to receive email from the company. Each text was from a different number. One being a area code. From SD. The amt was in the XXXX range and subsequent payments to follow. Please help me with this situation. I am in debted to you and the staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 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: NC

Complaint narrative:
On XX/XX/2018 I submitted a request for equifax to correct information on my report. Such as XXXX XXXX XXXX. It came back as verified. I need to know how they verified this information? They sent me back a form letter today XX/XX/2018. 
The dispute process requires the CRA to refer a copy of the dispute to the furnisher of the disputed information, and to receive a copy of the furnisher 's investigation. 
I am then entitled, under FCRA 611 ( a ) ( 7 ) to request a description of the procedure used by the CRA, which must include the name, address, and phone number, if available, of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I didnt get that. I got a generic letter. What they did do was add a fraud alert on my file that I didnt authorize. I am trying to understand how it is my file, but they can add a fraud alert without me knowing. And they sentbthis information to other credit reporting agencies. Which is causing a big mess in my home buying process. I want the fraud alert removed immediately. I want XXXX XXXX removed. This account has not been verified in over 30 days. The other credit bureaus have removed this account because of lack of being able to verify it. Why is it still here. Why am I being penalized for their errors at equifax. My files were split. They keep telling me that I had no collections. Then in XX/XX/2018, I suddenly received notifications that I now have collections. They have brought me to the point of wanting to proceed with legal action for ruining my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
I recently reported Experian to CFPB for failing to investigate a dispute and they have now done it again with the same item. This process has taken a total of almost 90 days and they still did not dispute the item and this is how I know! The item in question should have never been on my report. XXXX  and XXXX  both investigated the item and " deleted '' it from my credit report because it is not accurate. How on earth, can these 2 bureaus find the information is inaccurate and delete it but Experian somehow finds its accurate and leave it on my report. Also, they refuse to give me the phone number, name and address of the person who verified the information to be accurate. The fact of the matter is common sense will tell you Experian did not do an investigation of an sort. I want this removed from my report immediately! I'm not waiting another 90 days for them to do another so called investigation. 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 2018-07-13 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: Clarity Services
State: TX

Complaint narrative:
Clarity Services AKA XXXX. Has been posting fraudulent inquiries on my XXXX  consumer report. I have not ever applied for any payday loan, nor allowed you to inquire my XXXX report. You have over 30 inquiries on my XXXX  report these are damaging my XXXX score. I am a victim of fraud. I did not grant you access to my reports, and I want your inquiries to be blocked / deleted from my XXXX  report. XXXX  states you verify these but you are verifying addresses I have never lived at. XXXX  has blocked these. Clarity services refuses to put any security freezes on my reports, and refuses to delete their inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alpha Recovery Corp
State: MA

Complaint narrative:
On XX/XX/2018 while at work, I received two calls from a gentleman at Alpha Recovery Corp in XXXX, CO at work. He also dialed a colleague at my place of work and requested to speak with my manager or supervisor. This gentleman also called my cell phone repeatedly the very same morning. When I finally got to my desk and answered his harassing calls, he would not tell me where he was calling from he simply stated " XXXX '' and was asking me to verify my husband 's information. When he called MY place of business he actually asked for my husband who does not even work here. I asked him kindly to remove my work telephone number from his records, which he did not say he would. I then I asked him to send us documentation of what he was looking for and he said that he would not. I feel as though he had a very argumentative/threatening nature right off the bat and by calling colleagues asking to speak my supervisor and Human Resources for my HUSBAND who does not work here. It's a tactic used to intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: MD

Complaint narrative:
Besides the annual interest rate being outrageous at 460 % on {$500.00} and requiring nearly {$2000.00} paid back, there was additional nearly {$300.00} added on in interest for a deferred payment. 

When request made to get payment schedule the email indicated that the loan payments were up to XX/XX/XXXX ; however told otherwise when questioned about the payment taken today. 

I don't feel that this loan was fair from the beginning now that I know that payday loans are not " legal '' in the State of Maryland and that the interest rate is not suppose to be more than 33 % annually on a loan less than {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
The 2nd lien holder SLS, gave an approval letter with the demand of {$90000.00} from the 1st lien holder and or the sellers in order to release the lien so the sale of the property could not proceed as intended. The buyers walked away after knowing the sellers were unable to proceed with such a demand from Specialized Loan Servicing, something they conveniently forgot to include in their response to CFPB. The property was listed again at {$640000.00}, a price that the market supports, as there have been similar properties sold in this range and the property is in need of upgrades and maintenance. SLS refuses to have a interior BPO or an appraisal done, they are currently using active and under contract listings in their valuation which has no support in the final sale of any property. We currently have a new offer, it is being reviewed by the 1st lien  holder XXXX XXXX and waiting for another approval on the property. The 1st lien holder has also contacted their attorney XXXX and XXXX to start foreclosure proceedings, the letter is attached for your review. The approval letter, dated XX/XX/2018 from SLS is also attached for review showing the requested XXXX to release the lien, knowing the first would only pay up to 10 % percent with management approval which we have expressed multiple times to SLS in verbal conversations. If we can not get a reasonable payoff amount from SLS to release the lien so the sale can move forward, the property will go into foreclosure ; maybe this is the overall intention of SLS 's outrageous request for a payoff. The 1st lien holder has now offered {$6000.00} to the 2nd SLS, as a current payoff and the approval letter from them once received will reflect that amount. That letter will be sent to SLS for review and request to release the lien for the current offer on the property before it is foreclosed on. Thanks for your review and time on this matter, please advise. 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