vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit situation on  XXXX   XXXX  and noticed the dealership I had bought and paid in full a car from showed me as having a balance. I called the dealership and they blamed TransUnion. I then submitted a dispute on the   XXXX   XXXX   site and it showed that Transunion was to investigate ... 30 days later the whole company vanished from my report but that 's not what I wanted! I simply wanted the debt to be corrected since I have the title in my possession and there was no debt. N ow my credit score dr opped  XXXX  points and I have nothing positive to show on my report. I called TransUnion but they were no help telling me there was nothing they could do. Had this been investigated correctly this never would have happened. I am trying to enhance my credit and this really hurt me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple inquiries have appeared on my report without my consent. Please verify in writing inquiries that I requested.

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 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please help.

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On  XXXX /17< I contacted   XXXX   XXXX   regarding an my inability to open a checking or savings account and wanted information on the cause.  I recived a copy of informatin from   XXXX   XXXX   and began to due the inaccurate information for Bank of America.  I had disputed the same information with another company called   XXXX   XXXX  , unsuccessfully.  
On  XXXX /17, I received the ecnlosed infromation along with a copy of a check bearing a signature, that "IS NOT MY SIGNATURE". On  XXXX /17, I immediately called  XXXX , that   XXXX   XXXX   said should be used for BOA, they transferred me five(5) times and still no results.  I asked of the Collections depat of BOA, where can  fax my State Id and Social Security bearing my SIGATURE, but they do not have anyone or anywhere to send the information. BOA HAS ACCUSED ME OF FRAUD, I HAVE NOT BEEN ABLE TO GET A CHECKING OR SAVINGS ACOOUNT BECAUSE OF THIS INFORMATION, AND YET THEY HAVE NO ONE WHO CAN HELP ME RESOLVE THSI!!!

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 2017-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On  XXXX   XXXX ,    2017 I w as charged a " Repayment Fee '' of {$960.00}. I inquired about what this fee means, but I was not given an answer. Instead, the customer service representative informed me that they could not find my account. I replied, asking again what the fee meant, which does not require my account information, despite the fact that I attached a screenshot of my statement in the original email. I was just being given the run-around by a company using a bait and switch tactic to not answer my question.     If the repayment fee is a fee for repaying the loan early or paying more than the minimum amount, then I was misled. Navient 's 'Common Questions ' section of their website explicitly states, " Can I pay more than my monthly payment amount? -- You can always pay more than your monthly payment amount. By paying more now, you 'll pay less over the life of the loan. '' Is there another reason I was charged a " repayment fee ''? Is n't the interest on the capital the repayment fee? At the very least I would like an answer, but I ca n't seem to find find a relevant FAQ to reference, and the email I exchange I had with  XXXX  XXXX  XXXX  never addressed my question. Since my last reply 4 days ago, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with  Chase over three ye ars ago. My account had money taken out for taxes which zeroed it out on    XXXX   XXXX   XXXX  . I told Chase to close the account and I was told I had to wait to close it. I had automatic payments set up and they subsequently were presented before Chase would let me close the account. Chase has now charged additional fees for the automatic transactions and continues to charge my account fees and will not let me close it. Chase wants me to put more money into the account to cover the fees but still wo n't let me close the account if I do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 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: LA

Complaint narrative:
XXXX    XXXX  ,2015-  XXXX  -   I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on 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 explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: AR

Complaint narrative:
To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my  XXXX  bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that  XXXX   XXXX  said that I owed. So, I agreed to pay the {$62.00}  ( C heck  XXXX  dated  XXXX   XXXX ,   XXXX   ). Now that I have contacted both  XXXX   XXXX  and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send   payment to  XXXX  because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for  XXXX   XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now  XXXX  has another collections company trying to collect another {$62.00}.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AR  XXXX   XXXX  XXXX  XXXX   (   XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 2017-05-23 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: FL

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX    XXXX    XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 non-monetary relief
Consumer complaint received 2017-05-23 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: SC

Complaint narrative:
I have tried to pay the payments that were agreed upon. However I explained to the lady that I am the on ly one worki ng in a household of  XXXX  and that I simply do n't have the money. They tried to lower the payment but is was n't eve n a hundred dollar s. I ca n't make this payments and support my family. I got this loan  in 2010 for  {$14000.00} I now I owe over {$19000.00}  seven  years later. I feel like i ca n't win

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am 'continually ' being harrassed by the following phone no. :  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX  am  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,    2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 p hone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 p hone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,     2017 ph  one no. :  XXXX  time :  XXXX    XXXX     XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,   2017 ph  one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX  There are more dates & times, but in the begining I just deleted them. Now that they are 'again ' harassing me, I kept the above in my cell phone because that 's where the calls are placed.     I did call back once, and the recording sa id Wells Fargo. Not hing about any collection? I found that odd. Anyway, I pay my mortgage monthly, and my  Home Eq. Cr. Li ne mortgage and the last bill that I received fro m Wells Fargo for the Eq. C r. line for {$600.00} + I paid. So I do n't know why I keep getting these calls, BUT I WANT IT TO STOP! IF THIS IS N'T HARASSMENT, THEN I DO N'T KNOW WHAT IS!

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 2017-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
A transaction was started wi th Western Union o n  X/XX/2017   .   I paid the extra money so that it could be ready in minutes. A total of {$100.00} was taken out of my bank account. The money never arrived, they contacted me that the transaction was " under review ''. I called the next day to tell them that I needed my money back because I needed the money transfer " in minutes '' as they promised and I had to find another way to transfer the money to my family. They refused stating that I needed to send an ID. I do not feel comfortable sending my government ID via email, and told them that I just want the money placed back into my account where they took it and I did n't understand why my money was on hold if there transaction was no longer required. They refused to give my money back. I feel like they are holding my money as ransom and are trying to obligate me to send a copy of my government ID for a transaction that I no longer need since they are not able to send my money " in minutes '' as they promised. I understand that they must do certain things for security of the customers but I do n't understand why money is being held at ransom if I no longer want to do the transaction and I do not want to send a copy of my ID. I simply wanted the money placed back from they took it. I attempted to call customer service and they manager was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.

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 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX   XXXX ,2015-   XXXX -  I call  XXXX   XXXX   XXXX    XXXX   and they will try to removed this off my credit report because it 's  past 7 years old. n o change on 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 explanation
Consumer complaint received 2017-05-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX   XXXX  ,2015-   XXXX  I call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pa st 7 years old. no c hange on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: LA

Complaint narrative:
XXXX   XXXX  ,2015-  XXXX - I  call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief