vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through XXXX and XXXX took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against your company for violating my rights.

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 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a report.

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing bankruptcies they are not verified.

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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX re : Wells Fargo Merchant Busn CHECKING I believe I have been a victim of a predatory practice by Wells Fargo Bank. My branch is in XXXX XXXX, NJ. I had 6 accts with this bank. I am focusing on a business account with linked checking and savings accounts. When I opened this account, I was told the checking account required a minimum balance of {$1500.00} to avoid monthly charges. After 3 months I complained that I had received {$14.00} per month bank charges for 2 months [ XX/XX/XXXX and XX/XX/XXXX ] and was given the explanation that my account actually required a {$7500.00} minimum balance. The 2 months of charges were reversed with an agreement to change the account to one requiring a {$500.00} minimum balance. <P/>However, despite reversing the two $ XXXX/month bank charges on XX/XX/XXXX, the bank deducted an additional $ XXXX/month bank charge only 8 days later. The bank continued deducting $ XXXX/month bank  charge for the 6 additional months, for total of 7 months charges of {$98.00} - which have not been reversed. When I called my bank officer, I was told I had to come into the bank to make the change to the one requiring a {$500.00} minimum balance something I had assumed had already been done by telephone. <P/>With this explanation, I did come into the bank and was told the Wells Fargo computer program would only allow 3 of the 7 months ' charges reversed. [ Limiting the bank charge reversal to 3 months is entirely arbitrary by Wells Fargo. ] Furthermore, I have not had even the promised 3 of 7 months ' charges reversed. I have closed 2 other linked accounts and expect to close all of my accounts with this bank. <P/>I am taking my branch manager at her word. She assures me that her bank officer did tell me that I had to come in to the bank to change the account to one requiring a {$500.00} minimum balance. although I do not recall the information that I was to come into the bank to make the change - which she said I was initially given this instruction in XX/XX/XXXX. I view both the branch manager and the bank officer as sincere although I do not recall this instruction in XX/XX/XXXX. <P/>However, my complaint is with Wells Fargos corporate culture. My branch manager explained that the banks program does not allow her go back to refund the 7 months charges of {$98.00}. Although I take her at her word, I find this unacceptable. Surely, Wells Fargo would be able to go back several months if a customer owed the bank money. So why does Wells Fargos program deny the customer an analogous cure. I am, therefore, filing a complaint with the Consumer Financial Protection Bureau about Wells Fargos predatory practice not a complaint about my local branch but a complaint with the Wells Fargo corporation

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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I need to be able to use the new XXXX account

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 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC
State: TX

Complaint narrative:
Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
( Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX Florida XXXX ) amt {$1600.00} account number XXXX XXXX AND amt {$1200.00} account number XXXX XXXX 2016 BOTH OF THESE ACCOUNTS ARE INVALID I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in FL STATE.

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 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Back in XXXX 2016, I was having a difficult time after XXXX XXXX XXXX the military and trying to get stable financially. I used this service to help me take care of a couple of emergent things that also involved some medical costs. I agree, the acquisition of the funds were attractive and easy. However, I was hoping that I would be able to pay it off quickly in order to avoid the very high interest rates attached to the loan. Unfortunately, this was not the outcome. I faced setback after setback, which prevented me from being able to perform the payoff desired, and I had to continue on their payment plan. During this process, my wife and I were beginning to have dental issues that needed to be addressed, and to protect my honor and my obligation with XXXX XXXX, I placed our need on the shelf, in order to continue paying them. I am now at a point where our XXXX needs must move from secondary to primary, and they need to be addressed. Pain has become a daily part of our life with the XXXX issues and I need to have these funds to meet the treatment needs. I have insurance which is very helpful. However, the associated cost I will have to pay is considerable. I also have XXXX XXXX XXXX challenges with XXXX XXXX XXXX after several XXXX and all of this has often XXXX XXXX  as well as XXXX XXXX. As I took a look at the payment schedule that is attached to this report, I noticed that I have paid off the amount that I originally borrowed, {$3100.00} to the amount of {$3800.00} - to date. I also took a look at the payoff amount to be released from the debt and it is {$3500.00}! And even worse, the complete payoff amount is {$16000.00}!! All from an initial amount of around {$3000.00}. This is way more than what I originally borrowed. In the past, I have had at least 2 conversations with the company in regards to paying off the loan early. I was always advised to wait until a certain date to avoid having more interest attached. But, at any rate as you can see in the documents enclosed, the interest rate is not in favor of the borrower in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: PA

Complaint narrative:
Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.

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 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also  Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
In XX/XX/XXXX my wife opened our monthly statement from Roundpoint Mortgage to pay our bill. To our surprise, our payment had nearly doubled, jumping from $ XXXX/month to $ XXXX/month. We  immediately called Roundpoint thinking we missed a payment somehow. The gentleman in customer service told us we had a significant escrow shortage of {$17000.00} dating back to almost the inception of our loan XX/XX/XXXXwhen we had our home built. I asked how could this be? We are current on our loan, paid every penny that we are billed. His explanation in a summary was, we were paying an incorrect sum towards escrow for two years and Roundpoint was paying the difference out of pocket. According to the service representative, they had been trying to reach us but admittedly had a wrong phone number on file. No certified letter, no face to face representation, no phone call to warn us of our situation. We were completely blindsided. We were left with few options ; pay, sell, or do a loan modification. We are not in a position to pay {$17000.00}. A loan mod stretched as long as possible still would not get our payments down to a reasonable rate. So that left us with sell. We have been on the market for a little over a month with a few interests but nothing extremely potential. Earlier this week we received a certified letter from a law firm declaring foreclosure status on our residence and we have roughly 60 days to vacate the premises. I can not express enough how sad and disappointed this makes me. Without warning we had our home taken away from us. Thankfully my children are young enough to not completely understand what is going on, but for my wife and I we have taken away the bitter taste of shady financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was 3 months behind in my car loan, which paid XXXX dollars a month.the transporter came to the driver 's and took my car repossessed.for not paying. I only needed XXXX dollars to finish my contract and pay my car. In XX/XX/XXXX when the transporter from chase took my car the the a car was in good condition.after a few days the bank indicated to me that I would have to pay XXXX to get it back and I would not sell it.I paid Via wire in XXXX XXXX. To my surprise on XX/XX/XXXX I  pick up my car .. and they deliver it to me with the broken glass behind, the trunk that does not open and the driver window that is not opened. Which chase payment indicated to me that I had to speak to the hot line of the bank and put a complaint. So I did. And then the bank takes 3 weeks since then telling me that they are still investigating and that it will take time to resolve who is to blame and they will let me know

Company response to consumer: Closed with monetary relief