vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I created an online account with Quicken Loans / Rocket Mortgage. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with Quicken Loans and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by Quicken Loans twice explicitly without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the period Wells Fargo Mortgage was being investigated by Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General resulting in levying heavy fines on XX/XX/XXXX against Wells Fargo Mortgage in excess of {$2.00} XXXX for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and her Executive Resolution Managers devised a scam to changed customers mortgage accounts numbers prior transferring or selling their questionable Mortgage Loans to XXXX XXXX. 
In our case our original Mortgage Loan account number XXXX was change to XXXX for the purpose of hiding prior payments made to the original account. 
To date we have paid a total of {$200000.00} to Wells Fargo Mortgage via Chapter XXXX plan, which the bank have refused to properly credit the accounts by falsely showing total amount paid is {$79000.00} to account new number XXXX while declining to apply or credit monies paid under the old account number. Therefore triggering a direct violation of 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court via a Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX , XXXX XXXX XXXX , XXXX. And individual located out-side of the United States in the Country of XXXX. 
More disturbing, we are noticing Wells Fargo Mortgage is back at its old game of promulgating our Loan case file to different individuals with zero knowledge of the actual circumstance, each time we respond or provided additional information. For example, on XX/XX/XXXX we wrote to Wells Fargo Mortgage Executive Resolution Specialist Ms. XXXX XXXX DEMANDING for Wells Fargo Mortgage to resolve this long-standing fraudulent matter immediately by correcting the numerous false and inconsistent statements made in writing to the Chapter XXXX Bankruptcy Court and trustee. 

Additionally, Wells Fargo Mortgage continues to demonstrate bad faith in direct violation of U.S. Department of the Treasurys Guidance on Homeowner Single Point of Contact ( SPOC ) by re-assigning our loan-case file and each complaint letter to new employees with limited familiarity to the fundamental cause of the fraud which triggered the Notice of Foreclosure subsequently forcing us to file Chapter XXXX with the Bankruptcy court to protect the property. 
In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch which the bank have refused to acknowledge and rectified has now mushroom into additional fraud by all parties.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX twice explicitly without my consent.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX  twice explicitly without my consent.

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 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have multiple unauthorized ATM transactions on my Wells Fargo account. I tried to contact them through relay but the call never went through. I had to file each transaction as a separate claim online. This type of fraudulent transaction can not actually be disputed online so I had to choose a different reason for the dispute and then explain in the notes that these transactions were actually fraudulent. Again, I did it this way because I could not get through to them on the phone. 

I finally did get through today and they said theyre denying some of my claims because the physical card was used. Also, because the chip was used that goes with card! Yeah, the chip usually accompanies the card geniuses. I explained in my dispute that my card was stolen. So anyway, they approved two claims, gave me temporary credit on another, and denied the rest. How can they approve 2 claims and deny seven others when they are all the same string of fraudulent transactions??? That tells me that they didnt do the proper research on these claims. They need to look at these again. Someone ripped me off and Wells Fargo is letting them do it!

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 2018-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have had two separate but similar issues with Navient that have resulted in them capitalizing interest on my account and it I worry that these issues appear systematic and designed. 
I am on an IBR plan and have been for the last 8 years. On this plan I have to submit two documents, my taxes and a IBR application, annually to keep my payment plan. In 2016, I submitted both of these documents and was notified shortly after my the expiration of my current loan period that the IBR application I had sent in was the previous years version ( although when I sent it, it was current ). I was informed that my correction was days late and I was left with capitalization. 
This happened again today. I sent in all my annual paper months ago. When I went to make a payment today I noticed my interested had capitalized yesterday. I called and they informed me that the upload of my document was missing a page. I explained that this error was on their end as my file is complete. I informed them that I could upload the file again today. They replied they the capitalized interest will not be changed. 
Both of these document issues resulted in approx {$40000.00} of capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I had a XXXX XXXX account that went into collections with Radius Global Solutions. I entered into a settlement agreement with Radius Global Solutions and made 1st payment fine with no problem received a confirmation letter in mail for payment. Radius sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want XXXX ( XXXX ) made aware of this and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: GA

Complaint narrative:
XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2010 I contacted AES to payoff my student loan and was told by the AES representative that settlement payoff amount was {$6100.00}. I paid that amount and after two years I started receiving monthly statements again from AES and contacted them. The AES agent told me they would review and that I was all set. Another few years passed and once again I started receiving the statements and again I contacted AES. I spoke to this particular agent multiple times with her also telling me the account was paid off. Today again I'm getting statements and now late fees for a remaining balance of {$1600.00} that has since increased to {$2200.00} over the 5 months waiting for action from AES. It was my understanding and still is that this account was paid off in 2010. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I sent a dispute letter to XXXX requesting they verify three collection accounts, one of which this complaint is about. XXXX received my dispute letter on XX/XX/XXXX, they stamped it and returned the receipt to my address because I sent the letter certified and requested return receipt. XXXX XXXX XXXX a collection agency sent me a dunning letter regarding a XXXX account XX/XX/XXXX, This account is listed in my dispute letter. The collection agency asked me for payment in the amount of {$540.00} but stated that their client is willing to satisfy the alleged account for 50 % of the total balance. XXXX has not communicated to me that this debt has been validated and from what I understand this collection agency is not supposed to be attempting to collect this debt until it has been verified which it has NOT.

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 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX Sent funds to a XXXX user for XXXX . These funds were sent in exchange for concert tickets. 
Concert tickets were not sent, and I attempted to reach XXXX user XXXX. After sending the funds, and never receiving the tickets. I contact wells fargo and XXXX. 
XXXX Sent an email to XXXX  , and opened a case XX/XX/27 at XXXX Called XXXX to report the user, and  receive the funds back. XXXX told me to contact my bank ( wells fargo ) XX/XX/27 at XXXX Called wells fargo, after opening a dispute case. Wells fargo said that they were unable to dispute my transaction, and that I needed to contact XXXX. 
XX/XX/27 at XXXX Called back XXXX and they then again referred me back to my bank. 
XX/XX/27 at XXXX Called Wells Fargo one last time in hopes they could assist me, received the same response Neither companies were able or willing to help me. XXXX did not even take action on a user collecting funds from an individual who doesnt provide the product. Now I am out XXXX , and did not receive the product I was looking to purchase, and had no help from either company.

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 2018-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I just refinanced my student loans and XXXX is my brand new loan servicer for my loan. I sent in a check to make an extra payment on XX/XX/18. I wrote in the memo area the " note id '' number from my statement. I wrote " ID : XXXX '' because I figured there are lots of different numbers on the statement, and I wanted to be clear that was the note id number so it would get processed correctly. 

On Tuesday XX/XX/18, I saw that my check for {$1200.00} had cleared the bank but it was not applied to my student loan balance. On Friday XX/XX/18, my student loan balance still hadn't gone down. I called and spoke to a customer service rep who said payments are processed at XXXX XXXX  and it takes two business days to post to the account. We did the math, Tuesday, Wednesday, XXXXXXXX XXXX, Friday, and the customer service person said it should be posted by XXXX XXXX Friday. 

Today is Tuesday XX/XX/18 and my student loan balance still hasn't changed. I called XXXX and two phone calls and lots of back and forth they were able to figure out that they had misapplied my payment to the wrong account. They said it was because I had put the note id number on my check instead of the account number. I pointed out I was not given any specific instructions about what to put on the check, so I used the number I had from my statement which was the note id number. And I labeled it " ID '' to be clear that it was the note id number. 

The customer service supervisor I spoke with said that my payment was applied to an account number that is the same as my note id number. He said this error happens sometimes. I am concerned that their payment processing system is insufficient because it is designed in a way that leads to errors. 

First of all, they should be able to process a payment that is flagged using any one of the numbers they assign to customers, which from a customer 's perspective are pretty much indistinguishable from one another. Second, since they use multiple different numbers, they should distinguish these numbers from one another in a way that prevents this type of error. For instance, if the account number is separated by dashes and ends in two zeros, whereas the note id number starts with the first letter of the last name, or whatever. Their system should be capable of identifying the numbers they create and design and apply payments correctly to the correct accounts. 

I'm concerned they are not handling payments professionally and responsibly. Their payment processing system has design flaws that inevitably result in errors. It is designed to fail. 

Furthermore, I was dissatisfied that I had to call back several times and do unnecessary follow up to try to track down my payment. The problem was not resolved quickly or efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had a mortgage with Nation Star/Mr. Cooper and the house transferred in XX/XX/XXXX & they still showed delinquency in XXXX that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this company.

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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
The company reported an amount to the credit bureau that is not consistent with my records. It also shows two separate amount of which I do not believe I owe.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Credit Plus Inc
State: OH

Complaint narrative:
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record? 

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: OH

Complaint narrative:
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation