vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Innovis
State: PA

Complaint narrative:
my bank did a hard inquiry on me without my consent XX/XX/XXXX through CBC Innovis. i was not putting in for a loan or credit card. it made my credit score go down. i'm in bankruptcy right now which will be completed in 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have 2 closed mortgage accounts which were fraudulently opened. Wells Fargo Home Mortgage and XXXX XXXX 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 2018-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number ( XXXX ). Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

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 2018-03-29 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: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card. 

Ordered cell phone from XXXX that had an incorrect web description. XXXX C/S told me within 8 hours of placing the order to order the correct phone and refuse the original shipment as they refused to cancel 1st order ( with no cost to me ). Was to get credit for {$570.00} within 4 days. Phone was refused and returned per XXXX 10 days ago. No credit. Second order for correct phone was received and billed to card as XXXX suggested. 
Opened dispute with Discover Card. Discover is refusing to issue temporary credit and blames the CFPB ( after I threatened to file a claim ) ... stating that CFPB regulation is why the inquiry was put on hold. Further, Discover communicated NOTHING about the dispute. Nothing on my account web page, no response to secure emails and customer service has no answers ( even after speaking to a supervisor in Delaware office ). I have everything in writing from XXXX and shared with Discover during the dispute process.

Discover refuses to issue temporary credit!! I never received the goods I was charged for due to no fault of my own. I should have received this credit immediately! I want my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have notified Discover multiple time regarding this credit card they are charging me for I did not open it its not my signature and they still continue to put it on my credit report. I am a single mother in school full time and now my credit due to this is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
Diversified Consultants makes robo calls to my home phone morning, noon and night. I do not owe anyone, absolutely no one, any money. They ring 4 times and then hang up. I want the interruption of my home stopped and stopped now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX  and XXXX XXXX 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 2018-03-29 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XXXX XXXX Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit 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 non-monetary relief
Consumer complaint received 2018-03-29 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: CO

Complaint narrative:
We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form.

Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX   Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help.

We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments.

Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail!

We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Global Lending Services LLC
State: OH

Complaint narrative:
Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX.

So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern.

2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments.

3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement.

4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing now in hopes to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a crucial role in this procedure. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and days late to the credit bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX and XX/XX/2016 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was charged a monthly fee without my knowledge, for a service that I thought was free. I signed up for TransUnion after being directed there from XXXX, and I saw no disclosed charges. When I purchase a service I expect to be told up front about any cost that will be occurring, especially a regular monthly charge. After speaking with a representative, my service was cancelled and my {$19.00} charge for XX/XX/XXXX will be refunded. However, I want to be refunded the charges from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXas well, totalling {$59.00}. The customer service rep admitted that they could tell I hadn't used the service often, if at all. I was sneakily and dishonestly charged for a service I wasn't even using, and as such a total of XXXX was stolen from me. My name is XXXX XXXX and my phone number is XXXX. I spoke to a rep today, XX/XX/2018 around XXXX. I did not request from the rep to refund the additional months, as I did not know they existed until after I hung up and went back through my credit history. Therefore, this rep should not be blamed for not providing good service. After reading other reviews of similar things happening to other people with no satisfying results, I contacted TransUnion through some online messaging system, and immediately came to file a complaint due to my extreme dissatisfaction and digust.

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