vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received a letter from American express on XX/XX/XXXX requesting information on people I had talked to in regards to the charge to my account from XXXX   The letter was dated XX/XX/XXXX. This is the first time I have ever received this letter.

I responded the next day XX/XX/XXXX by faxing this letter. American express closed my case without ever responding to me. That is very unprofessional.

American Express Dispute reference # : XXXX  Account ending in XXXX  Fax # XXXX Dear American Express Today I received a letter Dated XX/XX/XXXX advising me that you need to know the people I spoke with regarding the {$9000.00} charge to XXXX. Why Im receiving this letter a month and 2 weeks from the posted date I am very concerned about.

Here is the list of dates and names of employees I spoke to from XXXX. I have already submitted this information, but I will send it again. I could never speak to the owner, the employees shielded her from me. The calls to XXXX XXXX I demanded my money back because nothing was working the way the owners had explained. The software didnt work. The promises made by the owner was not happening. The wholesalers list was not accurate or complete, etc. etc. etc. She tried to apease me and talk me out of getting my money back because it was past the 3 days given by law to get a refund. I expressed to all the others that the system provided by XXXX  was not working. By XXXX of XX/XX/XXXX I gave up complaining and expressing dissatisfaction.

XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

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 2019-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX on my credit report. I would like this inquiry to be removed from my credit report I have never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, at appx. XXXX EST, a call was made to IQ Data in an effort to obtain a settlement. The representative was so rude and condescending. She even went so far as to tell me that the client informed them that they are in the process of purchasing a home and since they know they have to pay this debt, they are refusing any settlement. She even threatened not to offer settlements and threaten not to delete the debt upon settlement. That is not the scary part. The most unnerving part of this ordeal was when I asked to speak with a manager, I was denied. The representative pretended to transfer me to a manager, kept me on hold, then disconnected the call. I called back, trying to speak with a manager and was denied and transferred back to the same representative. This time the conversation started off smooth. I was no longer trying to negotiate a settlement. I wanted to get a statement of the account to provide to an Escrow agent to see if they would approve paying for this debt for the client. Again, I was denied. I was threatened to be hung up on multiple times. I begged and pleaded to speak with someone else anyone else. The next agent came on the line and started off polite. However, she " lied '' and claimed the correspondence that I was asking for was emailed to me back in XX/XX/XXXX. I searched and advised it was not received. I politely asked for them to forward that email. I was denied. Finally, I disconnected. I was overwhelmed with anxiety, emotional grief and turmoil after dealing with company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Inquiry were made on XX/XX/2018 and XX/XX/2018. I am unsure of the loan amount. A letter was written to try in remove the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have opened a savings account and safety deposit box with Wells Fargo bank in XXXX, Texas. I deposited all my valuables in my safety deposit box. In XXXX we accessed the box to add some valuables. After 2 months we went back to collect them but the key for the safety box was broken and all the valuables were missing. We immediately filed complaint with the local police. The staff working on that day also witnessed the theft and provided all the information to the local cops. After 8 months, the bank sent us mail that the case is closed as there was no evidence of any theft. I am approaching you for justice. I lost all our hard earned money with which we bought those valuables. Also our memories and the gifts from our parents during our wedding are all stolen. The bank needs to take responsibility and find out the parties involved in this crime. Please do the needful and save us.

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 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am going to upload a copy of the letter that I sent to Equifax on XX/XX/2018. They have not responded to it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TN

Complaint narrative:
I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. XXXX  XXXX did this in the past to me as well and always refused to not report after showing and proving proof

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 2019-01-29 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: FL

Complaint narrative:
I am wanting to file a complaint with your agency against Experian Credit reporting agency, I have filed letters and called numerous times in recent months to report several unauthorized inquiries being reports on my credit report, but they have not helped one time to assist with this sensitive matter. The following unauthorized inquiries were brought to their attention : EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XXXX   XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX   XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX  XXXX XX/XX/XXXX EXPERIAN

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 2019-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GREAT LAKES
State: TX

Complaint narrative:
I HAVE GOTTEN REPEATED PHONE CALLS TO MY JOB AND CELL WHILE AT WORK THREATENING ME EVERY DAY. THEY HAVE ALSO LEFT VOICE MESSAGES AS WELL. THEY ARE STILL CALLING MY JOB AFTER I HAVE REPEATEDLY ASKED THEM NOT TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
This company keeps harassing my friends every single day about a loan I took out with them. If Im not mistaken theyre only suppose to reach out once to my contacts and thats it. Theyre continuously harassing them and myself as well. I am not able to pay them back at the moment but I have already planned to pay off the loan as soon as I receive my taxes. I do know my rights and this is NOT legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted BB & T and asked and received a payoff amount for my Home Equity Line of Credit. My goal was to payoff a higher interest rate loan. I authorized BB & T to Debit my DDA for the Payoff Amount and received a confirmation number and days later a confirmation Letter indicating the payment to my Home Equity Line had occurred.When my XX/XX/XXXX statement came it showed BB & T SPLIT the XX/XX/XXXX Payment and credited a portion to my Home Equity Term Loan ( which carries a lower rate ) and applied the remained to my Home Equity Line ( which carries a higher rate ). 

The result of BB & T splitting my payment allowed them to keep a balance on the higher rate loan rather than paying it off as I requested. 

For two weeks I made 7 calls to BB & T to correct their decision to Split my payment which kept a balance on the higher rate loan. 

Finally, I involved North Carolina 's Office of Commissioner of Banks. 

So, after 7 phone calls to BB & T and my contacting North Carolina 's Office of Commissioner of Banks on XX/XX/XXXX the Split Payment was reversed and Applied to my higher rate Home Equity Line as I requested on XX/XX/XXXX. 

HOWEVER, due to BB & T Splitting the XX/XX/XXXX payment the Authorized Automated Home Equity Term Loan Payment due for XX/XX/XXXX was not processed by BB & T 's Account System. Then when BB & T Reversed the Split Payment on XX/XX/XXXX - BB & T did not process the Authorized Automated Home Equity Term Loan Payment for XX/XX/XXXX - they just left the Home Equity Term Loan Past Due. 

The result was - I received a Collection Call and a Collection Letter threaten Credit Bureau Reporting for a past due payment on my Home Equity Term Loan - which all occurred due to BB & T Splitting my payment request in order to keep the higher rate Home Equity Line with a loan balance and charge a higher rate of interest and charge late fees. 

I have BB & T documentation which confirms this tragic occurrence of a Big Bank 's effort to swindle and take advantage of a consumer.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a series of complaints with Wells fargo. 1 I was sold a 10/1 arm mortgage under false pretense. I was approved for a 30yr fixed but was pushed into a loan with bad information, 2 When I was in a small finance hic cup in XX/XX/2014 this came to light so I reached out to Wells fargo for help. The bank steering me in to a HAMP program. # 1 A HAMP program in a MBS. Mortgage Backed security. the lender was WELLS FARGO so they proceed Sent me 7 Home preservation packets thru 5 different agencies all over the country The security was owned By Wells Fargo, They purposely held back this information. not only from the home Presorvation but also the Vice presidents department as well. Sent overwhelming letters that was contradictory to each other SO This put me into a program that has a 100 % Failure rate lead to a forclose., tried to vacate my home, as well as my tenant 's was an attempt to financially sink me Then Maintained this HAMP process for over a year, assuring me success Denied my Loan Mod put me in court under duress and charged me exorbitant fees on the back end of my Mortgage because I had equity.

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 2019-01-29 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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hawthorn Recovery Services, Inc.
State: MO

Complaint narrative:
The individual XXXX lied to me stating that the number he called was my personal number and only one listed he called me at work jeopardizing my job then would not stop and DEMANDED me give him my home phone number or he would keep calling my work number which means I'd get fired. He also admitted he has sent letters and i did not respond so he called this number. I am under NO obligation to respond to his letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
I took out a loan for {$1000.00} on XX/XX/XXXX. As of XX/XX/XXXX I have paid {$1000.00}. When I called today to get the payoff amount I was told it would be {$1100.00} which is more than the cost of the loan. Apparently, none of the money I paid thus far went to the principal balance. I was unaware that would be the case when taking out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase closed my account without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Loan # XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Check : # XXXX Issued : XX/XX/XXXX Amount : {$5000.00} Check : # XXXX Issued:XX/XX/XXXX Amount : {$4900.00} Total : {$10000.00} My name is XXXX XXXX, and my property at XXXX XXXX XXXX is mortgaged with XXXX XXXX, formally known as XXXX XXXX XXXX. My loan number is XXXX. Within my mortgage, I have set up an escrow account with the financial institution to pay my property taxes. Recently, it was brought to my attention I have uncollected refunds that we're not mailed to me from XXXX XXXX. I was notified by 3rd party agencies that I had money floating in the county. I did my due diligence and found out this was in fact true. For the reason being, the check amount was above {$5000.00}, I needed an " Authorization to Release '' form for the institution that paid my taxes, XXXX XXXX XXXX  at the time. In XX/XX/XXXX, I called XXXX XXXX and they gave me their fax number, so I faxed them my request. Two weeks passed and I didn't hear or receive anything. I called them and that is when I learned XXXX XXXX had actually denied to sign the form because of a letterhead issue. They didn't notify me by mail, by email, or by phone call. I then emailed both XXXX and XXXX on XX/XX/XXXX. Two weeks passed again and no word. I called the institution once more only for them to deny me access to the loan department. It has now been over 1 month in me attempting to recover the monies owed to me by this institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The inquiry was make on XX/XX/2018. I am unsure of the loan amount or why this inquiry was made. Not sure of what the loan would have been for. I wrote a letter to have the inquiry removed.

Company response to consumer: Closed with explanation