vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had a conventional mortgager with XXXX XXXX XXXX, which was purchased by PNC Bank. I had submitted information as part of a class action, whereas XXXX XXXX XXXX   charged minorities higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Good day : My complaint concerns Wells Fargo Bank and their continuing practice of corporate chicanery by various means. The following situation that I'll describe below is without question designed to bilk customers out of as many overdraft fees as possible and allow me to make this clear ... ... it is by DESIGN! The same scenario has happened multiple times to not only myself but friends and acquaintances who hold accounts there as well. It is not by accident. 


I had five ACH withdrawals that I knew would be assessed to my checking account this past Monday,XX/XX/XXXX. They were from two entities. Entity # 1 was for two small amounts ( {$20.00} and {$25.00} ) which were posted in the " pending transactions '' section in a timely fashion. I conducted business with entity # 1 the day before, Sunday XX/XX/. 


The other three transactions were from entity # 2. All took  place the previous FridayXX/XX/XXXX. The first transaction was conducted that morning @ XXXX XXXX in the amount of {$150.00}. The second transaction took place later that afternoon @ XXXX XXXX in the amount of {$79.00}. The third and final transaction occurred @ XXXXXXXX XXXX in the amount of {$83.00}. Remember that all took place XX/XX/. Only the MIDDLE TRANSACTION for {$79.00} was listed in the " pending transactions '' section creating a negative balance. I have until XXXX XXXX  to cover any negative balances by making a cash deposit either through an open branch or a Wells Fargo ATM. Knowing there was a good chance that they'd pull their systemic shenanigans I deposited enough money to cover all 5 transactions even though two of three ACH withdrawals for entity # 2 were not listed even later that same night ( after XXXX XXXX ) TuesdayXX/XX/XXXX( lo and behold ) all 5 transaction were posted MONDAY XX/XX/XXXX! 


This is criminal and as far as I'm concerned the officers of the Wells Fargo Board belong in prison. They'll never go there but that is where they belong. This is the same corporation ( with the same corporate board ) that was held criminally liable for a million counts of fraud yet nobody anywhere served a nanosecond of prison time which is obscene. They fired 6,000 employees as their corporate response to this as if all 6,000 employees who lost their jobs drank the same tainted water and coincidentally made the same criminal decision to defraud account holders. 


Fecal matter rolls downhill and the activities of Wells Fargo Bank are definitely part of a corporate culture that can only be described as disingenuous, corrupt, amoral and totally repugnant. 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 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I completed 5 years of full time XXXX in a XXXX XXXX  ( low income XXXX ) in the area of XXXX XXXX, which qualifies me for XXXX  loan forgiveness under the XXXX Loan Forgiveness Program. 

I applied for it, with my XXXX XXXX XXXX assistance ( superintendent of HR filed the paperwork to certify my 5 years ) in XX/XX/XXXX. I received a letter from the XXXX   Loan Forgiveness Program approximately one month later telling me I was denied. There was no reason given. Upon further investigation, it was because I consolidated my loans from XXXX in with loans taken out after XXXX through XXXX. Because the program began in XXXX, I'm automatically left out, even though I have plenty of loans taken out after XXXX. Essentially, because I made the wise decision to consolidate and pay a lower interest rate overall for my loans, I'm being penalized. 

Please help me! I made the commitment and I need help with getting the federal government to follow through on honoring their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I was contacted by portfolio Recovery Agency regarding an account that they claimed they purchased from XXXX XXXX ( XXXX XXXX ). On XX/XX/XXXX I requested that they validate and verify the information on their claim. I sent them a request for written proof. I cited the Fair Credit Reporting Act section 609 disclosures to consumers ( a ) ( 1 ) ( A ) and requested they verify through physical verification of the original signed consumer contract any accounts that they reported on a credit report. They responded on XX/XX/XXXX with old copies of statements and an explanation that they received only an electronic file and admitted they DO NOT have any signature. Despite this, they continue to report this on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was fighting a bill with XXXX XXXX XXXX in XXXX, NJ back inXX/XX/2017 Before the complaint was resolved, they sent my bill to collections, XXXX , XXXX After some time, I started making payments, online, to XXXX. Unknown to me, this debt was suddenly transferred, without notice, to a company called Transworld Services Inc. 

After speaking with them numerous times, they will not allow me to make payments online. They online system also does not keep track of payments made, and the only notice you get is when the debt is paid in full. So there is no way to trace the payments I made to them. I am also not comfortable giving out my information over the phone to a company I know nothing about. They have over 70 complains on XXXX XXXX as seen below : XXXX XXXX XXXX  I also refuse to have them keep my credit card on file. So there is no way to make a payment to these people and have any paper trail of the payments being made. They also lack a technical support dept. to try and find out why payments can not be made online as I was able to do this through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: MN

Complaint narrative:
In relation to CFPB complaint ID : XXXX. This agency incorrectly conducted their investigation into my initial dispute and therefore did not address a violation of the FCRA and FDCPA. My initial dispute was the DATE OF FIRST DELINQUENCY the agency investigated the DATE OF LAST ACTIVITY. These are NOT the same thing. I have provided documented proof that the DATE OF FIRST DELINQUENCY was changed by XXXX XXXX. Under law this date should NEVER change. COMPANY RESPONSE : " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' INITIAL COMPLAINT : " re-aged account. date of delinquency changed on consumer reports ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I am reporting my rights, under the Fair Debt Collection Practices Act, ( FDCPA ), were violated. Under the FDCPA, it states, If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that debt is a disputed debt. As you can see in the attached documentation, from my archived credit report, ( XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX ), they did not report the debt, as being disputed. They still reported disputed debt, to XXXX  and to XXXX, as if it were not being disputed. 
Attached you will also find a copy of the certified letter receipt ; the collection agency received a letter, asking them to validate not verify, said debt. According to FDCPA, Upon the consumers request written request within the thirty day period, the debt collector will provide the consumer with requested form of validation. A debt collector presented with a timely ( within 30 days of receiving my notice ) demand for validation must stop all collection activities until they provide the requested validation. As you can see from the attached certified letter receipt, from XX/XX/XXXX to XX/XX/XXXX ( today ), it has been 52 days. They have not provided me with requested validation, and they continued to report XXXX and XXXX, which is another direct violation of the FDCPA. 
In lieu of the violation of my rights under the FDCPA, I am requesting that these accounts be deleted from my XXXX  and XXXX credit profile, and that documentation of requested action be forward to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ive sent a report stating that 6 inquiries does not belongs to me ive also sent a removal letters and also an FTC report still nothing wasn't done

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 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan was sold from Sallie Mae to NAVIENT 4 years ago, and the payment increased to more than I can pay each month. 

I applied for IBR, hoping to lower my monthly payment. NAVIENT made my monthly amount due {$0.00}, but now there is over {$20000.00} in interest fees added to my loan amount. 

I want to do the right thing and pay this loan off, but need help finding a REALISTIC way to do so. The terms Navient offers are not workable and are putting me further and further into debt every month. 

I called the company 2 times to discuss this, and was not given any assistance. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX   ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX   XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. 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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
My mortgage company issued 2 checks to my insurance company in XX/XX/XXXX. They were sent to me and I was advised not to cash them. My agent contacted the mortgage Co and was told they stopped payment on both. In XX/XX/XXXXI rcvd an escrow notice of shortage {$5500.00}. I contacted the mortgage Co and they brought up the two checks. Neither were cashed so why am I responsible? FF to XX/XX/XXXX. Another check was issued and I was advised to cash it and send it back to the mortgage Co. I was also told upon receipt my mortgage would adjust back to my mortgage payment. I mailed the escrow check refund and my current mortgage payment {$1200.00} ( {$1300.00} ). Now I am fighting with them because the escrow payment did not reset my payment and they have been holding my {$1300.00} in suspense. They also charged me a {$60.00} late fee. They have refused to adjust. They have refused to apply the {$1300.00}. I would not have sent in the refund check! I would have kept it and applied the difference monthly to make up for the payments all year. I call once a week and get a different explanation each time. Escrow Payment wasnt enough ( both checks were stop pay ). Mortgage payment not new amount ( shouldnt have gone up ) I was told the insurance co raised annual amount ( my agent disputes that ). I need a very clear letter with the CORRECT amount listed. Why there is a shortage. Why my escrow payment was not applied to adjust my mortgage and late fees and credit bureau negativity removed. My agent and I followed the instructions yet nothing has been fixed in my favor.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX Expanding on existing OPEN case against XXXX Case # : XXXX XXXX  has called and left a message however, the message was " garbled ''. I can make out it is XXXX calling but after that the message fades out as if the person turned away from the phone. I can not hear the number to call back or what it is they are going to do about this matter.

I believe XXXX is ignoring this issue and has no intentions of resolving it. The caller seemed to purposely make it impossible to hear the call back number.

This is similar to when I would call XXXX and be put on hold until I was disconnected. Or when I'd email them and I'd be sent links that didn't open. Or when I'd start a chat, they'd time me out while they did their " research '' so I was disconnected to that person! I am sick of their way of doing business! I want this matter resolved.

Below is the original complaint : XX/XX/XXXX Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. XXXX  has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links.

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now!

I did not use the rewards money, nor transfer it, nor authorize XXXX  to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing!

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been.

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare!

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I was not denied credit. Instead, I was offered credit at less favorable terms. When I inquired as to what credit reporting agencies were used, what the actual terms were, and where my risk based pricing notice were, I was told the grantor refused to provide any of it, and I must go to a third party dealer for the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hard credit check was pulled by XXXX on XX/XX/2018 in my name. I contacted XXXX and no account was opened under my name however I would like the hard check to be removed from my credit report under Trans Union.

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 2018-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FICO PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM XXXX XXXX WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE FICO IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, I applied for Chase unlimited freedom credit card and was denied, because of a XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I received a letter from Capital One informing me that I was pre-approved for credit card. I inputted the invitation code and personal information during the online application process as directed. At the end of the online process I was asked to scan or fax personal identifying information including my most recent payroll stub and a copy of my driver 's license. I faxed requested items and confirmed that Capital One received both documents. Yesterday I received a letter from Capital One informing me that they can not approve my request at this time. The following reason was cited : " Based on your application information, application submitted is incomplete or can not be verified. '' The documents I provided are correct and current. Capital One does not provide a contact number to speak with anyone on their end. Additionally, I have active credit card, banking and investment accounts with the company. I don't understand how the company can state they can not verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/18, credit inquiry ran through XXXX  by XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX Ohio, XXXX for a XXXX XXXX Credit card. My credit is locked due to previous identity theft issue. I tried to call the customer service number XXXX and the number is not in service. 

I have not applied for credit with this company. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief