vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2019 I had ordered a service called XXXX which states that they can erase your XXXX if its locked etc. They never in their refund policy state that you need to take screen shots showing that their downloaded service to your computer doesnt pick up your XXXX / ie recognize it. They were also supposedly on vacation at festivals and couldnt get back to me. Which I thought was weird. They did get back fast when I contacted PayPal. PayPal hasnt done anything about this / its a simple case. The company I mentioned above wants screen shots showing that my device doesnt work with their software but they never once tell you that if you want a refund you need to take screen shots. I dont have the phone I brought it back to XXXX told PayPal and the merchant that I cant provide screen shots of a phone where their service doesnt recognize the phone ( however XXXX XXXX did ) so its a problem with their software, if i dont have the phone anymore and I can prove that I had to send the phone back. So Im being charged by PayPal and the merchant XXXX for something that never worked to begin with nor was I told to take screen shots to get s refund prior to sending back my phone so why am I paying for software that didnt work and 2. If they required screen shots from me they should put that info in their refund policy online which they dont - XXXX scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
When I took out my loan with Wells Fargo Mortgage, my loan officer ( XXXX XXXX -- who is no longer with WF ) told me that the PMI would be removed when the LTV was 80 % or less. That is my understanding of the Home Owner 's Protection Act as well. 

I just got off the phone with the WF Borrower 's Service line. They just told me that they will not automatically remove the PMI until I pay it down to 78 %. It is currently 79.2 % LTV. 

The officer told me one thing ( and the other officers will only refer me to the Borrower 's Service Line ) and now, when I have paid down the principal they're telling me a different story. 

This is dishonesty but apparently this is also par for the Wells Fargo course.

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 2019-02-13 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: FL

Complaint narrative:
All three credit reporting agencies have come up with a scam to defeat the intent of Congress. We have a right to have information more than 7 years old taken off the report, but they now penalize and will not give you a good credit rating if you have had credit only 7 years. They reduce your score by at least 50 to 75 points, continuing to penalize you, disregarding the intent of Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX of XXXX, I, XXXX XXXX XXXX, filed a complaint against Santander Bank with the CFPB. Santander Bank allowed a former junior business partner, XXXX XXXX XXXX, to open an account without my presence in XXXX, XXXX. He opened this account as an LLC, though he never formed an LLC, did not provide the necessary paperwork, and the business was never registered in his name anywhere. The business was always only registered as a DBA in my name only. Further, he used his home address in XXXX, MA, and his PO Box in XXXX, MA, as the business address, and the business mailing address, respectively. My business was only ever located in XXXX, MA, and registered in my name only. In XXXX, XXXX directed me to use the LLC on invoices and checks, as Santander would only recognize checks in the LLC for which the bank accounts had been opened in, and would not accept checks in my DBA ( see attached emails ). When Santander responded to my initial complaint, they stated the accounts were open as a DBA. In our later, correspondence, they admitted the accounts were open as an LLC, and claimed they could not establish whether or not they had performed their due diligence in opening the accounts. Over the years, XXXX XXXX XXXX, was able to control and exploit his position as account holder, accounts that should never have been opened by Santander bank. On XX/XX/XXXX, I finally forced myself on the accounts. I told the banker, XXXX XXXX, I was very nervous XXXX would steal the funds. I tried to open a new account, but Santander said I could not, as we were an LLC. I froze the accounts, in every attempt to  protect the company funds. On XX/XX/XXXX, Santander Bank allowed XXXX to unfreeze the accounts, and deplete the funds, buying a bank check in the amount of {$15000.00}, and withdrawing {$9500.00}. In the end, I researched the LLC, found we were not an LLC, and only then, was I able to open the accounts with Santander as a DBA, which was all the business was ever registered as. The bank failure allowed XXXX to manipulate me and take funds he wasn't entitled to for years, culminating in those final transactions, and eventually causing the failure of the business and my many years hard work.

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 2019-02-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called Experian yesterday to discuss this issue - as to why my FICO Score dropped so dramatically. XXXX stated that he would annotate my account with my concerns. I noted to him that I have nothing derogatory or late payments. I further noted that it is probably due to few accounts. However, I find that to be problematic. I am submitting this to you on my behalf. I also believe that this should be shared among the 4 Credit Reporting Agencies. Experian, XXXX, XXXX  and XXXX. I have attached the score report and my dispute that I have drafted.

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 2019-02-13 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: National Commercial Services, Inc
State: NC

Complaint narrative:
I signed a repayment contract on XX/XX/15 stating I owed National Commercial Services Inc. to date {$4300.00} minus a down payment of {$550.00}. This brought the balance of the claim to {$3700.00}. Three days later on XX/XX/15, they changed the amount owed to over {$19000.00}. When I questioned the increase they sent me the all the back up and payments that XXXX XXXX  paid. I kept paying the monthly payment of {$150.00} as I signed the contract and they would threaten to suspend my drivers license and take legal action if did was late or missed a payment. I actually ended up paying National Commercial Services Inc. over {$5000.00} and have stopped any more payments to them. Now they put a chargeback against my credit for {$19000.00} and just this month increased the amount another {$100.00}. They have been paid above what our contract stated. I have attached a copy of the signed contract as well as what was sent to me when I inquired about the amount change.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later  my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact XXXX and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY

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 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I never gave Navient the authorization to acquire my loan. I checked my credit report and found XXXX dollars owed to them. Im also on social security XXXX. They have destroyed my credit and keep adding interest. Ive tried calling the company and it just rings. I need a lawyer as well but on a fixed income. Im sick and dont need this added stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union and it's affiliate in XXXX are operating a criminal enterprise. I have been sending US currency to a loved one in XXXX and these agencies have coerced an elderly woman that's a part time employee to sign bogus documents which her to except XXXX ( XXXX currency ) that is worth far less than the US dollars. 

Afterwards, these agencies split the balance of my money without returning it right away. These agencies are taking advantage of an elderly couple who are making an effort to help each other. Please contact XXXX XXXX XXXX. XXXX by email at XXXX and area code ( XXXX ) XXXX-XXXX. 

WESTERN UNION TRANSACTION RECORD I sent money on the following dates : XX/XX/XXXX ( sent {$250.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$100.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$80.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$40.00} ) Transaction Number ( XXXX ) XX/XX/XXXX ( sent {$100.00} ) Transaction Number ( XXXX ) Total Amount : ( {$580.00} ) ***************************************** WESTERN UNION CASE NUMBERS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Loans went into forbearance and customer service representative informed me that after the forbearance loans would be current and al late pay notations on my credit would be taken off. The late pay notations were never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
In XX/XX/2015 when contacted the first time by this company I did not know what they were trying to collect and to make all future contact in writing. Today they acknowledge the phone call taking place, claim the note is not on the account. Since that time in XX/XX/2015 they've made over 100 phone calls after being told to add me to their internal DNC list, sometimes 2 to 3 per day over the period of 3 years but have never sent information showing what the debt was they were trying to collect or proof of the debt at all. 

Most of these I simply hung up when I heard the automated dialer click on the phone numbers they were spoofing. 

Today they acknowledged the records of the prior phone calls but claim they never made note that I ever requested to be added to their DNC list even though I've never had a different conversation with their company ever and they are willfully violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank access my account and withdraw funds without my knowledge or consent. Ive attempted to speak with several representatives from their company with no success, all that happens is Im transferred from agent and calls being disconnected. I also spoke with third Office if the president and the handling was poorly done. I am requesting relief and resolution regarding this matter. I spoke with XXXX and respected a call back and was denied.

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 2019-02-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact Equifax and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I am the victim of identity theft. I reported the crime to the police, filed a report with the FTC, and filed all appropriate documents with all credit bureaus and institutions to correct and solve all the myriad of problems that are created by this crime. In the process of investigating I became aware that someone stole my social security number and used it to get reports bi-weekly from CREDIT KARMA, a private credit service. The thief ( thieves ) used these reports to further infiltrate my identity. When I contacted CREDIT KARMA the only customer service is through email ( an unsecure site ) located in a foreign country. I of course refused to give the number. I wanted to speak directly with someone about this fraud. They were unable or unwilling to give me any further information or contacts. I asked for a supervisor to no avail. If this company can easily give out personal financial information and reports with out validating identity then I want to speak with someone. Why are they allowed to conduct business this way? Currently the thieves are still getting reports and applying for loans etc.and I am left with no recourse. Please let everyone know how this company shares its information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My complaint is about Capital One charging me 3 late fees. The problem I am having is that I use an app called XXXX to automatically pay my bills. I have had this app for a few years and never had any issues. What happened was Capital One was booted off of my XXXX account so I had to re-link it. I was never notified by Capital One that my payments were not made. I checked my phone records, voicemails, emails, and spam. There were no notifications to make me aware of this situation. I found out when I was with my mortgage rep to get pre-approved for a mortgage. The problem that I am having is that my credit score has dropped to under XXXX and I always had a score of about XXXX. I then called Capital One. I expressed my concerns and all they did for me was waive one {$38.00} fee out of three {$38.00} fees. I have been a loyal customer with them for 8 years. I have NEVER been late on a payment. This was an innocent mistake, but they NEVER notified me about the late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I spoke to a lady at CBHV ( collection bureau of the hudson valley inc. ) named XXXX XXXX and she was extremely rude, uncooperative, and would not give me the required contact information i requested. I asked repeatedly for her to calm down and she just kept yelling, interrupting me, and would not let the conversation continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: IL

Complaint narrative:
Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXXth dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation