vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over XXXX to mid XXXX. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, XXXX and TransUnion to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.

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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am trying to close my Webster bank account. It had {$10000.00} in it. I transferred the {$10000.00} out and the transfer finalized on XX/XX/XXXX. There was {$0.00} left in the account. Once I confirmed the transfer went through on XX/XX/XXXX I requested the account to be closed. However, on XX/XX/XXXX they charged me with a {$21.00} monthly maintenance fee because I had less than {$10000.00} average daily balance for my statement closing on XX/XX/XXXX. Now Webster is telling me they ca n't close the account cause there is a negative balance. I simply transferred the money out of the account with the intention of closing the account once the transfer was finalized. Tried calling up two times and they refuse to waive the fee or  close the account since it 's negative. <P/>This is a round about way of charging me a fee to close my account. Very wrong. Asked to speak to a supervisor, said there are none available. <P/>Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over 800 to mid 600s. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, Equifax and XXXX to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, i submitted a mortgage assistance request to servicer Wells Fargo Home Mortgage, however the servicer failed to acknowledged or process our request. <P/>We contacted the servicer in regards to our request and was told that they will not process our application despite that the account was assigned to a specialist. We ask why then assign our file is your intentions are not to process? The reply was because those letters are computer generated when ever a customer is in default. <P/>On XX/XX/XXXX, I re-submitted the mortgage assistance request before the HAMP process deadline. See attached documents probing the allegations. Wells Fargo Home Mortgage failed ones again to acknowledged our request. The department of treasury issued the " HAMP Handbook '' for servicer 's to comply with certain areas of the law in connection with the loss mitigation options. Section 4.5 of the HAMP Handbook - states very clear that upon receipt of a complete mortgage request application and financials, servicer are to " acknowledged '' receipt of and sent notices to the debtor within " five business '' days. Ones again Wells fargo failed to " acknowledge '' our request. Therefore we can safely say that Wells Fargo Home Mortgage is in violation of section 4.5 of the HAMP Handbook.

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I held a spousal ( second ) card a Bank of America credit card last year with an account ending in XXXX. On XX/XX/XXXX my wife and together visited a Bank of America financial center branch in XXXX, MN. Our goal was to change my status from mere second cardholder to a fully-authorized co-holder so I could use Bank of Americas web portal to download rewards airline points earned ; I had been denied access when attempting that task a month prior. XXXX XXXX XXXX served us behind a counter as relationship banker that day, her business card below. Upon learning the details of our request she said that such a credit card status change was not possible and insisted we close XXXX and open a new one. I found it odd at the time, it seemed a simple technical matter to me. I inquired if the large amount of points we had accrued that year would seamlessly transition to a new account. She checked with her supervisor who was on site that morning and he said, yes indeed. So my wife and I went down that path that day, which was rather lengthy ; later we were sent new account cards ending in XXXX with co-equal status as requested. What did not ever happen was the transfer of airline rewards points from one account to the other. I made phone inquiries about his matter on XX/XX/XXXX ( with XXXX ), XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX, XXXX XXXX ), XX/XX/XXXX, ( XXXX ), and today, XX/XX/XXXX ( XXXX ), to resolve the matter of my XXXX lost points. Case numbers were assigned by the seven Bank of American customer services agents named above ( XXXX, XXXX ) with promises for resolution based on further research. Whenever I phoned I asked if the agent could review case notes but adequate notes were never entered they said ; ultimately the answer was always " no. '' I view the whole matter now, a year in hindsight, to be a scam of the sort appearing in the press last year pertaining to similar serial transgressions by XXXX XXXX. We were effectively coerced into opening a new account that then wiped out {$33000.00} of charges accrued into points. We were given busy work of a new card application with only liabilities accruing. XXXX XXXX, her XX/XX/XXXX supervisor, and Bank of America as a corporation all should be ashamed of themselves. I suggest they be investigated and, if appropriate, be fined, fired, or both.

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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Good morning, I filed a complaint with the BBB informing the company that I a victim of identity theft and the medical does not belong to me. I provided the ID Theft Report from the FTC and other documents. The BBB responded : You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. <P/>Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. <P/>If you wish to pursue the matter further, you have several options. <P/>1. You may be able to sue in the county Justice of the Peace courts, commonly referred to as Small Claims court. You will need to determine the county in which the company is located and call the county seat for more information. Or, check one of the online search engines to see if your county has a web site, which may provide helpful information on how to file a suit. 2. You may consider hiring an attorney to assist you. If you do not have an attorney, you may call the XXXX XXXX XXXX XXXX XXXX at XXXX for assistance. XXXX. If the company requires a state license from a state agency, you may be able to file a complaint with that agency. If you do not know if a business requires a license, you can access the State of Texas web site State Agency link at XXXX XXXX XXXX to inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc
State: CA

Complaint narrative:
Merchants Credit Association is reporting a collection account in my credit report that 's not complaint with the CRA 's XXXX reporting requirements.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).
<P/>
The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.
<P/>
I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?

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 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC
State: LA

Complaint narrative:
I attended XXXX XXXX XXXX around XX/XX/XXXX. During that time I was enrolled in the XXXX program. At the time I did not realize I was not given the option to decline the Peaks private loan or use all my Federal loans before taking out a private loan. The loan they had me sign for was original {$6800.00} and currently XXXX. After I attending for about a year I realized I made mistake and decided to drop my classes. Around the time I decided to drop my classes I signed for the Peaks private Loan. So I called to have the loan cancelled. At that time First Associate was servicing the loan, and I was told the school will cancel the loan and return monies. However, that did not happen. I decided to sue over loan in XX/XX/XXXX. However, I lost my case. Last year, I learned that XXXX was found guilty of predatory lending and unethical business practices which resulted in them closing all their institutions. I am requesting that this loan be dismiss due to the nature of its circumstances, that reporting be removed from my credit report, and my money return to me that I paid over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I subscribe to several credit monitoring services. In XX/XX/XXXX I stopped getting any updates on my reports from Equifax. I called Equifax in XX/XX/XXXX to find out what the problem was but they could n't help ask me. In an attempt to troubleshoot the problem I attempted to sign up for Equifax credit monitoring service however I was unable to so I called to ask why and they did n't know. I spent a bit of time on the internet and came to believe that my inability to access my Equifax report was most likely due to my having too many soft inquiries on my credit report. OnXX/XX/XXXX I  called Equifax and told them what I suspected the problem was, they agreed with my assessment and said they would send the issue to the technical depart to have the excess soft inquiries removed. I was given a case number which is : XXXX. I was told the problem would be fixed in 7 to 10 days. After 10 days had passed and it was n't fixed I called to see what was going on and I was told it takes 7 to 10 business days to have problems fixed. I called again today ( it 's been over 10 business days now ) and was told it has n't been fixed and they ca n't tell me when it will be. I have spent about 2 1/2 hours on the phone with them over the past few weeks and I am very frustrated. I want to apply for credit and I am unable to because of this problem. I told them this and it does n't seem to matter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX of 2013 I became unemployed, I had mortgages on two houses. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I tied for almost 3 years to sell XXXX eventually even short sale but was unable to. My saving depleted I gave the house back to Wells Fargo Bank. I had faithfully paid the mortgage for 14 years on the XXXX house, until I could no longer afford to pay them both. I have never missed a payment on my XXXX house. They have turned the Debt collection over to XXXX XXXX XXXX XXXX XXXX in XXXX Texas, in the amount of {$48000.00} which is on my credit and I 've contested it with the credit companies. ( see my credit report ). There is no Judgment against me or my wife, Wells Fargo knows full well my situation, I wrote a letter to them while trying to short sell and there were many calls made to loan officers. They have made their initial investment several times over through just the mortgage payments I made, then they sold my house. Wells Fargo shows account balance of XXXX. XXXX shows XXXX owed at time of acquisition, market value of XXXX? Now, I 'm XXXX ( XXXX XXXX ) and have a XXXX ( XXXX ) XXXX XXXX XXXX. I have to sell our dream house on the beach to move close to XXXX XXXX Hospital so I can possibly get a XXXX XXXX, they have made it impossible to get a mortgage, and have no judgment against me. Just put it as a bad debt in my credit report. Please help me and my family if you can, I feel I 'm being treated unfairly. I 've had good credit most of my life and pay my bills still. I gave back the house, I 'm a veteran, but that does n't count for much these days. I have no place to turn to!

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 2017-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc
State: NC

Complaint narrative:
XXXX XXXX, 2017 {$600.00}. I applied for a Payday Loan for {$600.00}. I did n't realize the interest rate until afterwards and saw how much I had to pay back. I called to get some clarification and was told my payments go to interest first then principal so I would be paying back a little of {$2000.00} just for the {$600.00} I borrowed. I asked how to avoid this and was told I could n't. I had an emergency when I borrowed the money but I live off of XXXX payments and ca n't afford these high interest payments. Nothing I pay back seems to go to the principal amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 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: OK

Complaint narrative:
I received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.

Company response to consumer: Closed with explanation