vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have opened wellsfargo everyday checking account online with  XXXX  $ sign up bonus on  XXXX / XXXX / 2017 . Received the approval email on same day with disclosure to qualify for the  XXXX  $ credit.     I have received Direct deposit of  XXXX  $ on  XXXX / XXXX / 2017  and received  XXXX  more on  XXXX / XXXX / 2017 . i have satisified the conditions on  XXXX / XXXX /   2017  and i was supposed to recieve my  XXXX  $ bonus on or before  XXXX / XXXX / 2017 , but i have not received the bonus amount. i contacted wellsfargo on  XXXX / XXXX /   2017  and i was told that the bonus is not at all available in their site and i was not qualified. i have attached my welcome email to resolve this issue Terms to qualify is : Within 60 days of account opening, either make  XXXX  purchases/payments with yo ur Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking a ccount opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer. Transactions at an ATM do not count as a debit card purchase/payment.   A qualifyi ng Direct Deposit is y our salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers fro m one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

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 2017-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Between  XXXX   XXXX  and  XXXX   Portfolio Recovery w as removed from my credit report and after such action was taken it was placed back on my report between  XXXX   XXXX  and  XXXX   XXXX . According to FCRA I must receive written notification of such action being taken. I never received proper notification of this account reaging or of debt being placed back on reports. Also, Ive written portfolio recovery several times requesting validation with my signature attached for alleged proof. To this  date PRA has refused to cooperate and send me the requested information. Failure to respond within the allotted time frame with requested validation, as well as reaging the account with   XXXX   is means to have  this debt deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  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 2017-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo Mortagage FEES : Extremely High intial Loan fees : {$4500.00} on {$82000.00} house Refinance VA Loan in XX/XX/XXXX {$2700.00} of more i think on {$78000.00} WELLS FARGO OVERCHARGE ME {$1000.00} ( {$500.00} X2 ) ON ILLEGAL LAWYER FEES TO START! CLOSING COST BY THEM WERE EXTREMELY EXPENSIVE! I FEEL THEY HAVE COMMITTED VA LOAN FRAUD ON MY ACCOUNT AND I HAVE NEVER BEEN REIMBURSED! PURCHASED HOUSE : XX/XX/XXXX ( WELLS FARGO ) REFINANCED HOUSE : XX/XX/XXXX ( WELLS FARGO )

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 2017-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Green Trust Cash, LLC
State: GA

Complaint narrative:
ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: IL

Complaint narrative:
I disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.

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 2017-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is showing is a collection account from  XXXX   XXXX  on my credit that continues to be a hindrance to credit health. The account is incorrect and a violation of my rights under th e HIPPA laws. I have no idea who this company is, nor have I ever had a contract with them. I am concerned about this being on my credit rating. I feel that this is incorrect and needs to be addressed in such a way as to not allow these items to be on a persons credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: IL

Complaint narrative:
I disputed inaccuracies on my report and I received a notice back that the errors were not corrected on my report. I have no current contract with  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  or  XXXX   XXXX   XXXX . I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to being false and unverified but Equifax continues to harm my ability to participate in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet  they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is  XXXX   XXXX  las t 4 of  my social are  XXXX  and my date of birth is  XXXX / XXXX /  XXXX  . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all  XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: LA

Complaint narrative:
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

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 2017-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: LA

Complaint narrative:
I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

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 2017-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately .

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 2017-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.

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 2017-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TN

Complaint narrative:
I just checked  XXXX   XXXX  on  XXXX   XXXX ,  2017  and a collection from a debt collector is there with an original debtor I have never heard of or have ever been in anyway associated with. I ca n't even figure out who they both are and what the debt represents. It seems that this is happening to many other consumers.   This is the info I have  : DEVILLE MGMT COLLECTIO N/CHARGE-OFF Status Type : Other Date Reported :  XXXX   XXXX ,  2017  Payment Status : Collection/Charge-off Account Status : Derogatory Amount Past Due : Not Reported Account Details Original Lender :  XXXX   XXXX    XXXX   XXXX   Account Number :   XXXX   Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$2400.00} Payment Details : Amount Past Due Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported Lender Info :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Remarks : Placed for collection.

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 2017-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I got a   XXXX   XXXX    (  now Navient ) loan to attend  XXXX  College in   XXXX  . I attended about have the sessions required as the  Professor  was not perfessional and the student assistance they claimed they offered was false & they would do nothing each time I need something. I decided to cut my losses & end the program as they were useless. I want to have my loan for over {$3500.00} forgiven & deleted. The school closed as it made false promises to students deseperate for an education to be come employed. I refuse to pay for something I got no benefit from. I have called   XXXX   XXXX    &  now Navient many times as this loan has put me in debt & the interest keeps accumulating. I can not afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My cash app not receiving balance on time as needed

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 2017-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
In  XXXX   2017  I was subject to debit card fraud. Someone or a group of someone 's took about  1200  dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of  XXXX  when I was able to borrow extra funds. I tried to make the payment online, but the next available date was  XXXX   XXXX  in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of  fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX  DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 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: AES/PHEAA
State: NC

Complaint narrative:
First there were many problems with recertifying my repayment plan with Fedloan. Fedloan requested I resubmit my tax returns over 6 times because I did not do the paper work correctly. Then my payment went from {$720.00} to {$1500.00} to {$2300.00} to XXXX in less than two months. I called ombudsman and gave the company another opportunity ( 8th chance ) to help me resolve the issue. Now my deferment was approved for a couple of days then removed and I owe {$6000.00} by XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.

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