vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
Hello, As of today I have been charged a total of {$170.00} in bank fees which {$100.00} has been reversed, TD bank pick and chooses when to post a transaction ( they 'll leave it pending for several of day s ) hold  deposits and charge fees instead of processing the deposit and when your deposit clears, they have charged fees so that your money is gone. This is unfair and illegal and something must be done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 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: VA

Complaint narrative:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Special Financing Company, LLC
State: TX

Complaint narrative:
Account number :  XXXX  The  company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees.Not only that they have been constantly harassing me with phone calls and letters, they also reached out to my friends on countless occasions. Even to the point that I lost my job and I was borrowing money from people to keep up with their payments. I have tried several times to try and work some kind of reasonable payment agreements with them but they are  XXXX  bent on extorting me to dryness. I do n't know what else to do but to go through this medium because it seems like the loan keeps increasing instead of reducing. I am tired of living in debt to fulfill their outrageous monthly obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: VA

Complaint narrative:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

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 2017-06-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has blocked all my access to banks. I cant open an account and I paid them what they charged me on XXXX XXXX XXXX and they didnt report that I had paid them. I still cant open an account with any bank and the one that was at XXXX XXXX XXXX was cancelled. I went and they did want to 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 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I continue to receive telephone calls from XXXX. The company denies making the calls, but the calls continue. The caller ID reads " Navient ''. If Navient is not making the calls then the company should be motivated to find out who is using their name. One of Navient 's subsidiaries ( General Revenue Corporation ) has been linked to this number. I can provide pictures from my caller ID that provide the date, time, and caller information. I have picked up the receiver, and no one is there. The company is making illegal robo-calls.

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 2017-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: WA

Complaint narrative:
" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I reached out to  XXXX . They helped me in reaching out and negotiating with Bank. The Bank then started working with me. They then subsequently rejected the my modification.

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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I sent Fox Collection Center a certified letter in XXXX XXXX 2017 asking them to provide validation that the accounts that they have listed on my credit report were indeed mine or else delete within 30 days. they respond to me on XXXX XXXX 2017 with an authorization to release form that i sign and return to them right away. Upon checking my account on today, I have noticed that the accounts listed are still showing on my credit report. They never verified or responded after i send them the authorization to release form signed by me, therefore they are in violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase refused to give me a credit after I disputed the transaction. The merchant refused to give me a credit even though they delivered a product to the wrong address. After the the merchant sent XXXX documentation CLEARLY SHOWING it was delivered to an address that was not the delivery address, Chase still refuses to give me a credit for the amount. I talked to XXXX, a disputes supervisor and he was unsystematic and completely unwilling to help me find a solution to the issue. They are clearly colluding with the merchant and not protecting the their customers art all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
To Whom It May Concern : On XXXX/XXXX/XXXX my loan was transferred from XXXX XXXX to SLS as the new servicer, although XXXX XXXX still retains the rights to the loan. I continued to make my payments and have never missed a payment. I have attached cancelled checks to verify this being the case. On XXXX XXXX XXXX I was notified that a XXXX day late was filed by SLS onto my credit report, I called and talked to XXXX who found that they had misapplied my XXXX payment to my escrow account even though my account is impounded. She stated she could have this immediately corrected and filed a ticket to have this reversed. She assured me in would be completed no later than the XXXX of XXXX. On XXXX XXXX, I called back to SLS and was told by XXXX that the ticket had been completed and I would see a correction on my credit report on the XXXX XXXX, XXXX reporting. I explained to her this was not acceptable that I was in the process of trying to obtain a loan and that this erroneous late has now caused me harm. I asked her to have this corrected immediately. I was then contacted by the Office of the President who apparently handles complaints. I was told that they would send out a Mortgage Verification confirming that this had been corrected. On XXXX XXXX XXXX I received the Mortgage Verification that clearly shows me having a XXXX day late. This needs to be reversed immediately and SLS needs to assure me with written verification that this has been corrected. My credit score has plummeted by more than XXXX points and it has now caused me to be turned down for financing with my business. This has caused me irreparable harm and this company needs to be held accountable for their actions and failure to correct their errors. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Loan # 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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ Experian ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

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 2017-06-27 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax,  XXXX  and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Richard B. Maner, P. C.
State: TN

Complaint narrative:
I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.

Company response to consumer: Closed with explanation