vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank says my funds on my capital one 360 account is not available for withdrawal call this. Number for more info I call and they transfer me to security team thats only deals with Capital one notcapital one 360 even when I keep telling them on phone ur transferring me to regular capital one and they say no we dont even that number its only 360 so basically they locked my funds I go into bank and cant get my social security money In there because its locked and theres no security team phone number to unlock it and I want to just close my account at this point and get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On XX/XX/2018, I received an email that the IDR repayment plan would end on XX/XX/2018 if I did not reapply by XX/XX/18. 

I reapplied that same day and received notice on XX/XX/XXXX that the application was received. On XX/XX/2018, I received an email that the payment next payment due on XX/XX/2018 will be {$2400.00}, which is much higher than the current income driven play payment of {$420.00} and several months ahead of the scheduled end date of XX/XX/2018. 

Next, I received an email on XX/XX/2018 stating that the renewal IDR application was approved and the new payment would start after your current plan expires on XX/XX/18. Notice that the end date for the current IDR plan changed by 30 days! The notice I received also did not include the new payment amount, but said the new payment amount would start after my current plans expires on XX/XX/18. However, the initial end date was XX/XX/2018. 

Despite all of this, the current status on my account states that the next payment is due on XX/XX/2018 for {$2400.00}. I have contacted them to resolve this issue and have not received a resolution. 

By inaccurately reporting the payment amount, erroneously scheduling IDR expirations dates, and sending notices with little information, Navient is forcing borrowers away from affordable payment options and imposing unnecessary reliance on forbearance, deferment ( if available ), and delinquency -- all of which are unacceptable and illegal due to the tyrannical nature of Navient 's actions. Please take action against Navient to hold them accountable and promote fairness in the student loan repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/2018 I called my mortgage company Ditech due to my bill payment. After they resolved my bill payment problem, they solicit me and told me about refinancing my mortgage. The representative told me about the program and asked a few questions and asked me if I would be interested. I said yes. They sent me papers to sign electronically, didn't disclose the interest rate or anything in detail, just general questions. Next think I receive a credit report in the mail. Ditech pulled my credit without my knowledge. The representative did not ask me if it was OK to pull my credit. They had all my personal information and I guess they felt it was not necessary to ask. I would have told the representative not to pull my credit. He sent me paperwork to sign a refinance and if I would have gone through the paperwork, I would have done something I did not authorize. They continue to send me paperwork with urgency to sign. This is not the way to treat consumers.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. 

I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. 

They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX for XXXX. I made a down payment of XXXX on XX/XX/XXXX. The total cost included a {$790.00} Gap insurance policy through Ally. On XX/XX/XXXX, I mailed {$4500.00} ( money orders ) off to Ally so I wouldn't have to worry about it while I was finishing my certification. Unfortunately the car was totalled the same night. I called ally and let them know that the vehicle was totalled and not to apply the money I sent, she informed me that it hadn't been received yet. The money was received on XX/XX/XXXX, I called again to make sure everything was str8 but saw that they had applied the money and put it as paid up until XX/XX/XXXX! I called and the woman said that they would get it str8 once vehicles was totalled out. XX/XX/XXXX I went to XXXX and purchased another vehicle, the payments were about 100 higher but I didn't worry as much since Ally still had {$4500.00} of my money. XXXX totalled truck out and paid Ally {$23000.00} which they received on XX/XX/XXXX. We talked back n forth with me wanting payments applied to my truck. However in XXXX they were trying to repossess. I have paid a total of {$14000.00} to Ally ( not including the {$4500.00} or XXXX down payment ). I am behind now and they are talking about repossessing, however I am actually ahead. I was taking care of the situation last year but I was told that they were working on my account so I let it be. I have my money order receipts, account copy ( before it was deleted ), confirmation of sale with Gap Policy through ally, confirmation of mail received, and payment history.

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 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Last night, XX/XX/2018 I received a call from my mother explaining that Wells Fargo had drained all of their bank accounts. Unfortunately, my checkings account was still linked to my dad even though he never uses it himself and all money in that account is made and used by me, a financially and legally independent adult, which could be proven with the tranctions therein. However, I didn't have authority to unlink him from my account and he didn't take action in time to unlink himself. So, I understand that because the account is technically joint, Wells Fargo has a " right '' to set-off any money for debts that my father owes. So I was hit with the following transaction : XX/XX/18 Legal Recovery Set-Off, XXXX {$1900.00} But I just find it absurd how I haven't been given any information prior nor any useful information after trying to contact them. Any attempts to contact them are met with " there's nothing on your account, your dad would have to contact us, it's a government thing, we don't have any other information for you. '' etc. I've called the number on the transaction, their XXXX number, and emailed them all to get mostly non information. They are making no attempt to work this out with me or even explain to me what exactly is going on. This will disrupt my ability to pay bills in the near future.

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 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX - XXXX - we have been struggling financially had auto payment set up with Citi card for {$300.00} They took {$960.00} from my bank with no authorization on XX/XX/2018 XX/XX/2018 I contacted them via chat and on XX/XX/XXXX I called XXXX. - the rep told me then that it was taken care of and would refund {$610.00} and I would pay {$350.00}. They said that would take 3 days. After 5 days {$90.00} was refunded on XX/XX/XXXX. I called again on XX/XX/XXXX, spoke to customer service and they assured me that the additional {$520.00} was being process to refund, nothing on Monday XXXX. I called and spoke to XXXX ( XXXX ) in customer service who assured me that the {$520.00} was in process and would be deposited into my account by end of the day XXXX. 
On XXXX I call again and customer service tells me that Citi cards will do nothing because I was behind - I need to make mortgage and did not authorize {$960.00} payment - I was making payments on what I could and have steps in motion to pay off in XXXX, but they will not work with me in any way. They tell me tough luck today We don't know what we will do about mortgage payment now, we are in very stressed position because of this.

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 2018-07-03 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: PA

Complaint narrative:
I have disputed through Equifax the following account because the account is past the 4 year statute of limitations by PA law for collecting medical debt. A comment was added to my account, but it was not removed and I continue to receive calls and mail from XXXX XXXX. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX PA Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$240.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$240.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi I am having an issue with XXXX XXXX XXXX XXXX. Due to what theyre calling a system glitch my account was charged an unauthorized charge of {$100.00} causing my account balance to display - {$84.00}. They offered nothing but Im sorry for the inconvenience and other customer service level excuses. This is an unauthorized charge that Amex removed from my account without permission. This transaction took place on XX/XX/XXXX and they said cant be returned until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I called trans union for my credit report. They put a freeze on it. want tell me why. Andbwant send my credit 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 non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a follow-up to CFPB case number XXXX, Wells Fargo case number XXXX. I was told by Wells Fargo on XX/XX/2018 that my next statement would contain the correct promotional terms ; however, my XX/XX/2018 statement still contains the incorrect promotional terms.

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 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUSTMARK CORPORATION

Complaint narrative:
Dear sir My loan applied in XXXX XXXX - XXXX ( XX/XX/XXXX ) My TWO WHEELER loan reference NO ; XXXX I closed my loan account last month XX/XX/XXXX ( principal amount also paid in online ) We need NOC

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 2018-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
XX/XX/XXXX WELLS FARGO DEALER SERVICES REPORTED TO ALL THREE CREDIT REPORTING AGENCYS THAT MY PAYMENT WAS LATE. WHEN I SPOKE TO THEM THEY SAID IT WAS A MISPLACED PAYMENT AND I HAD TO REISSUE THE MONEY. I REISSUED IT AND WAS LATER CONTACTED THAT THEY HAD FOUND IT AND WOULD FIX THE CORRECTION BECAUSE I WAS NOT RESPONSIBLE FOR THEIR MISTAKE XX/XX/XXXX I TRADED MY CAR IN TO XXXX. XXXX PAID OFF THE LOAN TO WELLS FARGO DEALER SERVICES. THE LOAN WAS CLOSED OUT AND THEY REPORTED LATE REMARKS ON MY CREDIT WHEN I WAS NO LONGER RESPONSIBLE. 

I RECENTLY CALLED IN TO QUESTION THEM AND ASK THEM TO REMOVE THE NEGATIVE INFORMATION BECAUSE IT WAS INCORRECT. THE SUPERVISOR AT WFDS TOLD ME THAT THEY ARE NOT GOING TO MAKE ANY CHANGES AND I CAN CONTACT THE CREDIT BUREARUS AND IF I FEEL LIKE THIS IS SERIOUS ENOUGH I CAN HIRE A LAWYER. 

I JUST WANTED THE INACCURACIES FIXED BECAUSE I HAVE NEVER BEEN LATE ON ANY CAR PAYMENT EVER. AND FOR ME TO SUFFER BECAUSE OF THE FALSE INFORMATION REPORTED IS WRONG. 
WELLS FARGO IS WELL KNOWN FOR DOING FRAUDLENT THINGS AND I DONT THINK IT IS RIGHT THAT CUSTOMERS HAVE TO SUFFER BECAUSE OF 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 explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has been contacting me multiple times a day since XX/XX/XXXX regarding a debt owed by my former college roommate. I have clearly expressed this is not my debt and that I am not on the account and no longer in touch with this person. They have now resorted to calling from different numbers each time in an effort to continue to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2018, my son needed to find a temporary apartment in XXXX XXXX, since his apartment wasn't available. He found a site XXXX that listed sub lease apartments. He corresponded with XXXX XXXX, property manager of XXXX XXXX and signed a lease agreement on XX/XX/2018. He was instructed to wire the rental charge, {$4000.00}, from his bank Bank of America account to the property manager 's account at XXXX XXXX Account. When he arrived in XXXX XXXX, there was no such apartment and XXXX didn't return his calls. The funds were draw on an account my son, XXXX XXXX, and myself own. I had contacted Bank of America and requested a wire recall. The bank recalled the wirer. XXXX XXXX has frozen the funds and have them ready to send back to me. However, they are requesting a " hold harmless '' letter from Bank of America. Bank of America is refusing to send the letter. I have offered to sign the letter and take full legal responsibility, but Bank of America continues to refuse to do anything. They call me a preferred customer, but they are unwilling to help me get my funds back. They told me the funds will end up going to the State. I have filed a complaint with the FBI Internet Crime Complaint Center, but have not heard from them. I have been working with Detective XXXX XXXX from the XXXX Police Department, report # XXXX. He is the only one who has been proactive and trying to help me out. Bank of America is not willing to do anything. XXXX XXXX going to the district attorney to find out how we can file a request to get the money back. Bank of America will not even let me talk to any manager or get any support from them. I contacted other banks and it is standard to accompany a wire recall with a " hold harmless '' document.

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 2018-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2018 I sent a letter To TransUnion Credit Bureau as well as several times before asking for specific information such as names of persons and exact details on how a bankruptcy is being verified, According to FCRA I have the right to this information However I received letters back that says its being verified through the court. So I reached out to the court that supposedly verified the bankruptcy to obtain in writing as to how they verified the bankruptcy or if they report to any of the credit bureaus. They responded in writing that they DO NOT report anything to credit bureaus. And that its probably being gathered through the XXXX system. So I reached out to XXXX as well and they also DONT contact credit reporting agencies. Im well aware of the FCRA Laws and know that this is a violation of rights. XXXX   and XXXX  has already removed the bankruptcy from my credit file because they were also in violation I would like for TransUnion to follow suit.. I have sent the letter that I received from the court to TransUnion and they still refuse to remove the bankruptcy.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I attempted to have this debt removed from my experian credit report because XXXX XXXX violated the consumer fraud act and consumer contract warranty notice act. I received a class action notice that I am a part of and the notice indicated the storage co violated consumer fraud act by charging excessive premiums and violating nj truth in warranty notice act. The debt should not be listed on my credit report due to all of this fraudulent activity. The settlement is listed is indicated on the web site. Open to the public. The collection agency should not be trying to collect on these violations. IC systems inc collection agency.

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 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX 
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment. 

Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a Wells Fargo business XXXX XXXX with an attached offer of spend XXXX get XXXX back. 
On XX/XX/XXXX I made a purchase of XXXX on said credit card. 
On XX/XX/XXXX I did not receive the bonus offer of XXXX cash back. 
On XXXX I called and after being transferred around for over an hour and being told that I did not receive the bonus because it was not attached to my account, I did not make eligible purchases, and I was not enrolled in the correct reward program which they set up for me. They told me there was nothing they could do even though it was their fault for having two reward programs neither of which the user has the ability to pick from.

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