vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SLM CORPORATION
State: DC

Complaint narrative:
We applied to Sallie Mae for a 1-year CD with an advertised rate of 2.35 % on Monday XX/XX/2019 and initiated the process to fund the CD with funds that were available in our main savings account. We provided our personal financial information, bank account information and accurately responded to security verification questions at that time. And then we heard nothing from Sallie Mae - not an email, phone call or acknowledgment of any kind. We weren't given the opportunity to set up an account, a confirmation number or a way to check on the status of the application. Four business days later - on the evening of XXXX XXXX - we received an email from " XXXX '' requesting additional documents that should have been requested at the time of application. We contacted Sallie Mae twice by phone with time-sucking attempts to understand the status of the application. A lengthy XXXX XXXX phone call earlier in the day had revealed the application hadn't been processed after sitting with Sallie Mae for four business days. We during that call were unable to learn when the application might be processed or get information on why the application was delayed. The Sallie Mae representative said she had no way to send confirmation or other details about the application to us electronically. We on XXXX XXXX canceled the application by email. In our opinion, Sallie Mae is falsely advertising returns that are higher than competitors, gaining access personal financial information in the process, and then suspiciously not following through. We on XXXX XXXX turned to an online competitor and opened an account and CD in 15 minutes, with funding confirmed the next business day. Why Sallie Mae didn't do that, with advertising to open an online account at an attractive rate, is a mystery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: DE

Complaint narrative:
On XX/XX/2019 I authorized an online payment from my checking account. I noticed it had not come out. I called them. forwarded them the confirmation email that I received. they then took 2 weeks to figure it out while calling me saying I was late. They finally took it out on XX/XX/XXXX and did not effective date it for XX/XX/19 when I originally made the payment and provided such proof for. 
For XX/XX/2019, I called and advised them I needed to make a payment from a different checking account due to a XXXX  XXXX issue and a protective order. they took the month from the account I specifically asked them not to touch ever again. I asked 4 times if he was sure it was coming from my XXXX XXXX XXXX XXXX account. he responded yes. I called back and had to wait for my ex to be refunded and then be able to make a payment from my account. This is a huge hassle because we are unable to speak to each other. I called last week and advised them he was threatening to have me arrested for something that is none of my fault. Via a mediator I was able to calm him down and reassure his money will be refunded. Payoff stated it was a back office  issue. 
Low and behold, they call me yesterday and set up a payment for today and I ask several times if it is coming from the XXXX to avoid another issue. Well, its pending today from my ex 's account. And the police are on their way here. 

This is ridiculous. This could ruin my XX/XX/XXXX year career as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why is this continuing to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Due to medical issues, I had to stop working in early 2019. I was without income from the beginning of XX/XX/2019 until XX/XX/2019, when I received my first social security payment. 
I was unable to make some payments during that time. I can only afford to pay {$50.00} per month and want to close this account. Macy 's has charged me {$38.00} per month late fees on a {$160.00} balance, so only {$12.00} of my {$50.00} payment is being applied to pay down the account. I called and they took off {$76.00} so the new balance is {$91.00}, but They will keep adding the {$38.00} late fee and they won't change my due date to the end of the month ( which is when I receive my social security payments ) and their hardship department won't work with 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 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid.

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 2019-11-01 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: DE

Complaint narrative:
I sent a letter over thirty days ago asking for methods of verification to credit bureau and creditor I have received no response from either.

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 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
While this complaint pertains to the Monthly Service Fee I was charged on my Checking Account with Wells Fargo, it has more to do with the lack of warning and notification of the service fee that I was charged. I currently have, through the Wells Fargo Mobile application on my XXXX, notifications on any and all activity within my Checking Account. Every time a Deposit/Charge or Withdrawal/Debit is posted to my account, I get a push notification sent directly to my XXXX. I have this set up as this is not my main account, and I like to be aware of all activity within the account. On XX/XX/2019, I logged into my Wells Fargo account on the mobile application and was shocked to see a Withdrawal/Debit charge of {$14.00} related to a Monthly Service Fee that occurred by on XX/XX/2019. Had I not logged into the rarely used account, I would have never known of this charge, and would have been continued to be charged a monthly service fee each month after. The lack of communication related to this monthly service fee is completely unacceptable. I never, at any point, received any push notification or email noting that I would be charged or that I had been charged. I have two other Wells Fargo accounts, with enough funds in them to cover their arbitrary minimum balance requirement, that had I been notified ahead of time I could have transferred funds and been able to avoid the service fee.

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 2019-11-01 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: LA

Complaint narrative:
The school loans are condensed to one loan and there sre no late payments there is a copy of the balance with this complaint

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 2019-11-01 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: DE

Complaint narrative:
I sent a letter over thirty days ago asking for methods of verification to credit bureau and creditor I have received no response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has credited my charge card for a cash advance of {$500.00} on XX/XX/2019, at a Wells Fargo Bank ( WF ) located on XXXX XXXX XXXX. XXXX, GA XXXX. I did not conduct this transaction. I have been in dispute with WF since this time through written request. WF argument is that because the card was in my possession and contains a chip, I conducted the transaction. I have asked WF for additional proof, i.e., video, documentation, and any other proof available which has been denied. WF has requested that I file a police report, of which I have complied and have now forwarded a copy to WF. 

WF case # 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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: VA

Complaint narrative:
Netspend illegally obtained my name and address. They then sent me a card with my name on it. Since I never ordered this card, I tried calling them. To reach a human being, they forced me to activate my card! This is the ultimate deception. They also refused to tell me which company sold them my information.

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 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amscot Corporation
State: FL

Complaint narrative:
Amscot Corporation says I owe {$500.00} on a money order from XXXX XXXX given to me by someone who owed me money. I cashed a {$200.00} Money Order which was fine and then q {$500.00} MONEY Order as well both from XXXX. I'm not responsible for a Money Order that didn't process. I'm a XXXX year old widow with XXXX and I'm barely surviving. I need these people to stop calling me every single day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
American Honda Finance ( aka Acura Financial Services ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per Acura, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of Acuras customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX XXXX XXXX {$690.00} not mine XXXX XXXX XXXX {$720.00} not mine XXXX XXXX XXXX {$280.00} not mine XXXX XXXX XXXX XXXX {$85.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This is in regard to a student loan account with Navient that was consolidated in XX/XX/XXXX and has my loan on it and my wife 's with whom I am separated and seeking divorce from and there is no communication with her so I am filing this complaint on my own. I made 10 payments on this loan from XX/XX/XXXX thru XX/XX/XXXX. Of the approx. {$5600.00} that was paid almost all of it was applied to interest and fees. I know that Navient is under federal investigation for mishandling student loan payments so I stopped paying them in XX/XX/XXXX. I do not know how to handle this situation going forward as I do not trust them to handle payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$68.00} not mine XXXX {$16000.00} not mine XXXX   XXXX XXXX XXXX {$1200.00} not mine

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per XXXX, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of XXXX customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late US DEPT ED XXXX not mine

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 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with TransUnion called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with TransUnion multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also XXXX was pretty much the same way while XXXX fraud department was excellent to deal with. I think TransUnion and XXXX should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.

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 2019-11-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A credit card application was completed by a bank officer in XX/XX/2017. The application was for a Business Credit Card. The business owner was unable to qualify for this card and asked me to co-sign for a " loan '' ( not a credit card ). I provided my personal information to the bank officer at a meeting with him and the business owner. I assumed this was to check my credit. I was never informed that my information was being used to establish a Business Credit Card with me as Primary Card Holder despite my not being an employee or owner of this company ( which is required to be a Primary Card Holder ). I was not provided any documentation explaining the card agreement, the credit limit or my liability if the business could not pay the card charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I received a call from Southeast Toyota stating that I was behind in payments. I mentioned that it is the spouse that usually handles the payments and I requested to drop the late fees that have reached almost {$80.00}. I am not trying to not pay the monthly dues, but as good customer service, I requested to drop said late fees.

The supervisor then said that since they're audited by CFPB, they could not drop the accumulated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CapitalOne Bank is experience " technical issues '' resulting in no access to funds. My direct deposit has been confirmed with my employer and is fine on their end but has not been deposited in my account. When I try to access my account the app and website are down and the customer service number automatically hangs up when it states that it is transferring me to a representative.

Company response to consumer: Closed with explanation