vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.

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 2016-10-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Iopened a new bank account at Wells Fargo after an unsatisfactory account at at a local credit union, and they said nothing on opening the new account about me having an alleged overdraft on the closure of my old account, since both transactions were done in person. They then started withdrawing money from a savings account that they insisted I open to go along with my checking account to get no service charge with 10 withdrawals in the cycle. Which there always i, and I know of another person that is going trough the same situation with them. What is this collection by surprise or is it out-right fraud? My bank account were supposed to be available on line for 7 years since that is how i got my statement. And they have disappeared. itold them to close my savings account after I made a deposit and they took it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc.
State: NC

Complaint narrative:
I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.

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 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2016, I began receiving email correspondence that my chase account email had changed. Shortly, after I received text messages of improper transactions on my account as I have my alerts set if amounts over {$120.00} are deducted. I immediately contacted Chase Bank to report the fraud while I was at work. I spoke to a representative who informed me that the account would be blocked, but also stated " Chase is severing their relationship with me and I would receive the balance of the account in the mail in 10 business days. '' I informed the rep that I was the victim of fraud and now the bank is re-victimizing me and I can no longer bank with Chase. As I was at work I concluded the call and contacted Chase again that evening in disbelief. A second rep took my fraud information and reiterated the same. Perplexed, I visited my local bank branch on XX/XX/2016 to speak to a representative, showed him the email and text. The bank rep assured me and showed me on his scree that the fraudulent charges did not go through. When I told him of my conversation over the phone, he thought that was incorrect and contact the customer service phone number. He was told the same thing that the relationship has been severed and I would receive the balance of {$640.00} from the account in 10 days. He had not rationale and was unable to provide any additional options. Although I was upset that I was essentially being kicked out of the bank because I was victimized, I accepted that I would receive balance and would bank with another entity. On XX/XX/XXXX, I received a check for {$71.00} ( of which I have not cashed ) which is the balance after the fraudulent charges of {$570.00} were processed. I contact Chase bank who informed me that I never contacted them or filed a claim. The rep stated I needed to prove that I do n't have affiliation with the entities for which the fraudulent charges were processed. I explained this is my household account of which only mortgage, utilities, etc are all processed via ach only come out of this account and has for years. Upon review of the account, the rep can see the same XXXX-XXXX repetitive charges ( water, electricity, etc ) each month. The fraudulent charges should stick out as an anomaly. After much discord, the rep finally stated he would fax the claim forms. I received them by mail twos week ago. I attempted to go back to the local branch to submit the forms. It has since been temporarily closed. I faxed the claim forms on XX/XX/2016. As of XX/XX/2016, I am stuck with a XXXX checked after being mistreated and having to find a new bank. This is not the way a bank should treat its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided

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 2017-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My husband and I attended a XXXX XXXX XXXX timeshare owner 's luncheon on XXXX/XXXX/16. We were presented the opportunity to apply for the XXXX XXXX XXXX Credit Card where we could earn statement credits toward Diamond transactions ( like the annual HOA fee ). We were told there was a special offer on the card for 0 % APR for the first 6 months billing cycles, then it would go to 15.24 % after that. We applied and were approved and given a " Credit Card Cardmember Account Summary Initial Disclosure '' with all terms and conditions including the 0 % APR for for six billing cycles and then 15.24 %. This printout is time stamped with XXXX/XXXX/16 XXXX ( attached ). I just reviewed our XXXX statement and realized there is no initial 0 % APR and the interest rate is listed as 15.49 % ; which does n't even match the initial disclosure we were given. In fact, the cash advance APR from the statement does n't match the disclosure either. We are still within the first six months of our billing cycles so no interest fees should be charged to us yet. We feel completely duped and a bait XXXX switch situation happened to draw us in to apply for the card and then we received a completely different product.

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 2016-08-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
For the last number of months, I have been receiving phone calls from a company known as Portfolio Recovery. 

They do not leave messages, they just keep pestering my XXXX. 

At about XXXX, today, XXXX XXXX, 2017, I called back to the number they called me on earlier this morning, and told the lady who answered the phone that I do not want her company to call me anymore. I do not owe anybody any money. 

My phone number is XXXX. 

The various phone numbers they have called me from just in the last month are : A. XXXX B. XXXX C. XXXX D. XXXX E. XXXX F. XXXX I think that this " SCAM '' company should be exposed, and the people who manage the company should be indicted. All the money you can get from them should be evenly dispersed to the people they have needlessly pestered, which is probably 100 % of the people they are contacting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
This company started calling me about a debt from XXXX of 2015. I said all those bills were paid and the lady was very rude twisting my words and saying I was refusing to pay and being deceptive and uncooperative. I told her I needed something in writing, this was the first I 'd heard any bills were unpaid in over XXXX and I was n't going to pay some random person over the phone. I needed something in writing with dates, service provided, costs, etc. She said a letter was mailed a few weeks back and months later I still have no letter, I 've asked her and her supervisor to send me something in writing and I 've never received anything. She calls my work and my cell constantly and is very rude. If this is a legit company, then they should be able to mail me something in writing. And if not, then they need to stop calling. If I owed anything back in 2015, would n't the hospital have called me? There are too many scams out there to give a company I 've never heard of my credit card information for a bill I do n't know about, especially when they refuse to send me anything in writing.

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.

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