vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.So from XXXX   XXXX to XXXX, to XXXX to some collection company. This has no rights to due business like this. Just keep passing all my information alone leaving it in anybody hands. I didnt know nothing about XXXX when they transferred. I did business with one company not 4.Violation of all our information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Bank automatically paid an internet social media subscription vendor called XXXX XXXX {$89.00} for a 6-month renewal fee from my Easy Pay Debit  Card account. This happened despite the fact that I had previously emailed XXXX XXXX  to change my subscription plan to a lower {$59.00} fee. XXXX intentionally delayed in replying to me so it could charge me {$89.00}. The original 6-month fee I paid to XXXX XXXX in XX/XX/XXXX was only {$44.00} and their automatic {$89.00} charge was sprung on me by surprise. I fear Wells Fargo Bank would have automatically paid out any amount XXXX  XXXX charged me without ever bothering to get my re-authorization first.

I immediately phoned Wells Fargo Credit Card Claims Assistance to file a claim that I had been overcharged {$30.00} ( {$89.00} - {$59.00} = {$30.00} ). Wells Fargo confirmed to me that {$30.00} was refunded via their Claim # XXXX. I thought this resolved the matter.

However, XXXX XXXX subsequently sent me emails that since Wells Fargo had a " claims investigation pending '', they had cancelled my subscription entirely and I would have to pay them {$59.00} again to restart it. As far as I knew, XXXX XXXX already had collected and kept {$59.00} from my {$89.00} payment. But XXXX XXXX insisted I would have to get that refund from my " bank '' which is Wells Fargo.

When I contacted Wells Fargo Claims again by phone I was told the case was closed and could not be re-opened. I even wrote a letter with full email documentation to Wells Fargo Senior VP for Claims Assistance XXXX XXXX XXXX about this, and he ignored it. 

So XXXX XXXX insists Wells Fargo must process my {$59.00} refund, and Wells Fargo refuses to do anything about it. Given Wells Fargo 's history of questionable banking practices, it may have created some internal procedure to keep my {$59.00} for itself. I would consider that fraud! 

I am already siphoning my accounts to other banks that provide proper customer service.

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX   of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.

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 2018-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: KS

Complaint narrative:
I have student loan with XXXX ( XXXX XXXX XXXX earlier ). 
I am making regular scheduled payments or auto draft from my bank account. I noticed that all the payments goes toward the interest and nothing toward the loan principle. 
Contacted the company for explanation and the agent but was not able to give straight answer and stated later will see reduction on my principle. 
There is no explanation or monthly bill from them and on their web site just have the payment history. 
Recently, after being frustrated with their practice, I re-finance my loan. But I was charged more interest again could not get any answer either by trying to call the company or getting on their web site

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , Equifax and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VANGUARD FUNDING LLC
State: CA

Complaint narrative:
Called Vanguard around XX/XX/2018 requesting they deposit {$4000.00} dollars in my XXXX XXXX XXXX in XXXX California. They told me the money would be deposited the following week around Wednesday or Thursday. I told them I need the money now because I was going out of the country. The respose was the same. They told me how much it would cost/ Taxes on the money. I agreed. The Money was never deposited. I was lucky I had borrowed {$1000.00} from the XXXX .They gave me the cash the same day. The money from Vanguard had never been deposited into my account. I had a previous time of very bad business before and am very uncomfortable about calling them. I am retired, worked for XXXX XXXX, and have a 401K. That where I was getting the money from.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is 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 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- Experian , XXXX and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

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 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect  until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Was out of work throughout my time at school and was given a forbearance instead of no employment repay which kept the interest going. I asked about it they said I didn't qualify for it, when I took off time from school due to illness. And the school was not forth coming on the amount of my base loans. I asked for copies of my loans that I took out to verify my actual amounts because my loans interest was getting very high even while in school. 
I never received a copy or explanation as to why I can not receive the copy. I strongly dispute the actual amount of the loans taken and the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: FL

Complaint narrative:
I have sent Experian several identity theft reports with proper identification and Federal Trade Commission identity theft reports about XXXX XXXX XXXX account. This is NOT mines and asked them several times to remove accounts from XX/XX/XXXX to present through various official agencies including the federal trade commission, police reports, etc. Experian failed to remove XXXX XXXX XXXX account and is considered to be in violation of the fair reporting act. I would like this to be investigated and XXXX XXXX XXXX account to be removed from my Experian credit report 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 non-monetary relief
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX  bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but Equifax has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage on my personal residence is being serviced by Shellpoint Mortgage Servicing. They have incorrectly stated that I have an escrow account for my mortgage. Further, they have incorrectly reported to credit agencies that my XX/XX/XXXX payment was 30 days passed due. All of this has prevented me from getting my mortgage refinanced. I have called them on numerous occasions with regard to the escrow account. They have repeatedly told me that I do not have an escrow account and they have corrected the problem only to find that the next months statements continues to indicate that I have an escrow account. In addition, on Wednesday, XX/XX/XXXX and Thursday, XX/XX/XXXX, per their customer service, the only way to deal with this was to send an email to their loan servicing department with full documentation of their errors requesting that they immediately correct my account and remove the 30 day notice from my credit report. To date, they have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RUN SCREAMING NEVER GET A CARD FROM THIS COMPANY!!!!! It's such a fraud they build your trust and just snatch their credit cards back without any email or explanation. Play games with your credit and then I got the run around. My bank made an error XX/XX/18 and Capital One tried 7 times 8 including the other card without contacting me once. I'VE NEVER EVER had overages or late charges. They had me get a letter from the bank mgr. I did that stating their error, sent me a secured link XX/XX/ llike 10 times that DID NOT work and the customer service person kept asking me about my email address. I tried from 3 different phones and my desktop. WHAT A NIGHTMARE finally they tell me to fax it they'll get it in XXXX hours because their faxes get answered by a company even though their located in Virginia. I call back XX/XX/ the lady said get it current which mind you it was before it was negligently cancelled. Pay {$100.00} on one {$50.00} on the other. All the while I'm being treated like a criminal and not the long standing customer I've been which is why my credit was increased twice. So I call back NO ONE seems to know what is going on and I get told something different I have to add all the while. NO FAULT of my own the money was in the account and then some. They made sure to keep telling me we'll review it, you " might '' get your accounts reopened. I must've heard that atleast 50 times. AN AWFUL WAY TO BE TREATED! Even the bank mgr was shocked. SCAM, SCAM ALL THE WAY they keep tacking on miney to a " Closed accout '' I guess its only closed to me. Interest all these extra fees that had I be allowed to pay there would be none of this..I CRIED MY EYES OUT NO SYMPATHY, NO ASSURANCE AND NO FEELING AS A VALUED CUSTOMER. I was treated like a common criminal I guess it's because my name is XXXX, but I DESPISE HOW THEY TREATED ME THESE ARE AWFUL PPL. DO NOT GET INVOLVED WITH CAPITAL ONE THEY'RE A BUNCH OF QUACKS WITH NO CIVILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Bank Card retained a law firm XXXX XXXX XXXX who brought action against me in a court with no jurisdiction from a city court we do not reside in. My husband was served papers by a process server who was dressed like law enforcement. When my husband told the server that what he was doing was illegal. The process server became argumentative & my husband told him to leave. The server sat in his car in my driveway for over 5 min on the phone. He then peeled out of my driveway striking & damaging my gate & drove off. This happened on XX/XX/XXXX. My husband filed a Police report with the NY State Police on XX/XX/XXXX. I have wrote & called numerous times to both parties & have been ignored! The process serving Co. Paid {$100.00} for the gate, but the cost is {$300.00} for repairs that we have demanded from both the law firm & Barclay Bank to pay the balance. Plus they have violated the FDCPA of using a process server simulating law enforcement, Sued out of court with no jurisdiction, and have failed to report the alleged debt as disputed with the credit Bureaus that I have disputed many times with both parties.

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received notification that my 2017 taxes were deposited in my bank. I contacted the company knowing I had requested a amex serve card but had not received information or a card. They informed me it was the amex serve card and to contact them. Since that day, I have spent 15 hours attempting to resolve the issue. I have been lied to by 22 agents and hung up on 6 times. While my funds are on this card I still do not have access to them not do I have a comfortable answer as to when these funds will be provided. As I fill this form out, I am on hold for the 6th time today ; current hold with no contact with an agent is 47 minutes. I have been blamed, hung up on, completely misinformed, they have made promises and I am still without funds or any idea as to when I will be sent them. I have been charged twice now as well.

Company response to consumer: Closed with non-monetary relief