vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX cumulative deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus.

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 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Within a 24 hour span, I will at least 12 calls from Navient or XXXX XXXX XXXX They have taken a step further and mimic numbers that are similar to those in my contacts list. Today, I have had enough and they have actually called someone. DO NOT CALL ANYONE REGARDING SOMETHING THAT IS PRIVATE. THIS SHOWS HOW UNETHICAL YOU ARE. THIS IS TOTALLY UNACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Choice Privileges credit card company failed to timely credit my credit card payment. Barclays unlawfully held the payment over a weekend so Barclays could claim false and erroneous charges since I paid off my credit card in full each month. I timely paid, and Barclays timely received, {$220.00} on or before the due date, Friday, XXXX XXXX  2011. However, Barclays failed and refused to timely credit the payment. Instead, Barclays held the check over the weekend and did not credit it until Monday XXXX XXXX, 2011, after the weekend. Barclays then demanded {$35.00} as a false " late fee, '' and {$3.00} in false " interest. '' I immediately notified Barclays of the error and demanded it be corrected. When Barclays refused to respond and correct its mistake, I cancelled my account, terminating any contractual relationship between me and Barclays. Since that time, Barclays has attempted to charge me additional late fees and additional interest for my refusal to pay the original false and incorrect late fee and interest. SUCH LATE FEES ON LATE FEES AND INTEREST ON INTEREST IS NOW ALLEGED TO BE IN THE SUM OF HUNDREDS OF DOLLARS. NOT A SINGLE PENNY IS FOR PRINCIPAL. These false claims are negatively effecting my family 's ability to obtain credit. Clearly this is unlawful.

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a follow-up to an existing complaint # XXXX. On Friday, XXXX XXXX I called in and spoke with the Well Fargo agent in charge of my complaint. I explained that I wanted to make the first payment of {$1500.00} (? ). She said she could take my payment but I had to call into a different number to make official arrangements. I said I would call the other number and make the arrangements and payment. On XXXX XXXX, I called in and entered all of my information including my account number. After reaching a live person, I was asked to provide the information again. I said I had to call back because I left the letter with my account number in my car. I called back less than 10 minutes later at XXXX and received a message that offices were closed. On XXXX XXXX I tried to call in to make a payment to the normal Wells Fargo XXXX number. I entered my information and got thru to a live person. The Wells Fargo customer service rep could not take my payment and she said I needed to be transferred. I was transferred to an automated system and tried to make a payment but at the end I received a message that this account could not be serviced and the call terminated. I then called the Wells Fargo agent in charge of my complaint ( XXXX? ) and dial her extended extension. There was no answer but I could not leave a message because her mailbox was full. All month I have maintained at least $ XXXX in my checking account so I can make multiple mortgage payments but all I get is frustrations and wasted time. If I am allowed online access to my account I can get this mortgage current within 2 months. It is unbelievable the extent that I have to go through to make a payment, instead I fall further behind in monthly payments.

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 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX  account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Inquiries are showing more than once on my credit. Some of which I do not recognized.
XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto  Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX Chase Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. 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 2017-07-25 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball tirey & st. john LLP, Had initially sent a wage garnishment to my employer, they garnished it and the amount on the wage garnishment was paid off. They are now trying to collect initial interest they claim is owed because they mistakenly left that out. My initial wage garnishment was paid and I was told that is all I needed once it was done I would receive the release and they would reflect it on my credit report. This has not happened and they are now trying collect more. My payroll department thinks that this is wrong and is concerned that they are collecting fraudulently. On top of that the I 've spoken to several people there that have falsely stated that they are attorney 's and when I 've researched them they are not. I am questioning their practices as is my employer. As my employer has had several wage garnishments from them for other employees and they have done the same thing to the other employee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: LA

Complaint narrative:
I disputed all of my Inquiries on my credit reports from XXXX and XX/XX/XXXXand they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

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 2017-07-25 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Back at the beginning of XXXX I had a credit related issue dealing with JP Morgan Chase, after weeks of dealing with people who could n't give me any answers I finally was brought to someone in the executive office who was wonderful and willing to help in any way possible within her guidelines. I needed to resolve a late that was on my report, XXXX 2017, reported late on my credit report because there was a {$30.00} balance I was completely unaware of. Once this was brought to my attention it was immediately paid but to rectify the credit issue the representative from the XXXX reallocated my XXXX payment on XXXX XXXX so it reflected in XXXX which would take care of the late on my credit. When this was done, I did not realize it would take the entire XXXX payment and apply it to XXXX, I thought this would take just the payment necessary to cover that {$30.00} I was unaware of, so I just had the credit repulled and though the XXXX ( XXXX payment ) late was removed, now I have a XXXX late ( XXXX payment ) because my full XXXX payment was taken and applied to XXXX. I 'm not sure how we go about resolving this but I lost the house I was under contract on because of the XXXX late. After fixing the errors and having 3 letters from the executive office stating the late would be removed, when the credit bureaus called to verify they were told not to take the late off, we lost the house and I had to get everyone in touch with the correct people to verify and clarify the miscommunications going on. We are under contract on another house and will lose this one as well if this does n't get resolved. It is important for me to note that Chase reports for the prior month of payment. For example, they report on the XXXX of every month, so my XXXX credit report is a reflection of my XXXX payment. My XXXX XXXX credit report will be the report of my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between us, my husband and I have {$140000.00} in debt, mostly on high-interest ( 25 % and more ) credit cards and bank lines of credit. This debt is all directly or indirectly the result of medical bills and the huge insurance premiums we had to pay in the XX/XX/XXXX before we qualified for XXXX. Every year now we pay five figures in interest on this debt. Wells Fargo has turned us down twice for a loan that would lower our finance charges. They say our debt-to-income ratio is too high, yet they wo n't even tell us what the ratio would need to be for us to qualify. We are XXXX XXXX, respected in our industries, and we are able to cover our other living expenses with income from our work. However, there is a limit to how much we can ever earn between us, no matter how hard we try, and we are getting old. I 'm sure we are not alone. There must be other Americans in our situation. Please help us. 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 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Today X/XX/2017 at XXXX Coast Professional Inc , called my place of employment. I am not sure what the agency is or why they called my place of employment. They asked several people where I was.

Company response to consumer: Closed with explanation