vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc
State: NV

Complaint narrative:
I took out a payday loan with " Moneytree '' that, unbeknownst to me, was written to come due 3 days before my payday. I submitted my application online and when I went into the branch location I didn't have my glasses with me so when they had me circle the payment due on a piece of paper I asked " this will come due 2 days after payday my - right? '' the Moneytree employee told me " yes. '' What is the point of taking out a payday loan that is due before payday? I could of bounced a check without Moneytree. I was under the impression I was taking out a payday loan - not getting money fronted to me in a scenario in which I have no chance to repay on time. 

Why do they require an applicant to submit paystubs that clearly show I get paid twice a month ( XXXX and XXXX ) then write a payday loan due on the XXXX? 

Is that legal? I bargain in good faith so I will payoff the loan on XX/XX/XXXX ( payday ) but there are penalties and fees I am being saddled with. 

Again, I took out a " payday '' loan and paid it back on the XXXX payday from taking out the loan. They wrote a loan due before the next payday which is indicative of poor loan underwriting on the part of Moneytree. 

Irrespective of my case I strongly feel government scrutiny is needed because of Moneytree 's suspect business practices. 

Thank you for your time in this matter. 

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 monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I contact ( XXXX ) Wells Fargo Dealer Services on Friday XX/XX/XXXX at XXXX XXXX and told them that since the beginning of the loan, I notice that all the extra money beside my payment isn't going toward my principal amount! Instead I'm paying for the daily interest if that extra money doesn't go towards the principal! I even send in a separate check from my payment that clearly said Principal Payment in the memo! 
So on Monday XX/XX/XXXX I sent in another separate check and wrote principal payment on it again and today I check again online and notice that they are doing the same thing again, not apply that principal payment towards the principal amounts. I don't want to call them every month and tell them to do their job, when it clearly said on Wells Fargo Dealer Services website that if I want it to go towards the principal, just have it written in the check! Even the representative that I spoke with on XX/XX/XXXX even told me that if the amount on have on my payment check is larger then the payment itself the extra will go towards the principal, but I clearly told her that have not been happening in my case at all! So I told her that the next time this happen again I will be filing a complaint with the CFPB!

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a XXXXXXXX XXXX  secured Credit guard when I first started college in XX/XX/XXXX. I had called and closed that account after I got accepted with a regular credit card. 

Early this month XX/XX/XXXX. I was trying to get my account bank. So I tried to login to my account using the same email and password that I had. It works perfectly fine. Then when I tried to reapply for the card it gives me a message saying that my credit is too poor. My score is Currently XXXX. 

The bank then add an hard inquiry to Equifax. When I check my credit score it was going down because of that. 

Im really in the process of building my credit and can't afford an hard inquiry Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
They are reporting showing an Inquiry, that I is not authorized, nor have permissible purpose, nor have written authorization for the following inquiry. 

XXXX card XX/XX/2018

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They are showing inquiries that are not authorized nor have permissible purpose, nor have written authorization for the following Inquiries. 

1- XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XX/XX/XXXX 6- XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
OnXX/XX/XXXX I ask for a Pin Number involving My Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through four more Equifax Confirmation Numbers after asking for a Pin Number to my Equifax Credit Freeze Report.

And after five tries one Equifax Representative stated that stated on XX/XX/XXXX ta creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This was absolutely and totally wrong.

I left XXXX, XXXX on XX/XX/XXXX, and moved into the XXXX XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX.

I ask which creditor? Because all of my creditors including Bank and Department Stores Credit Cards along with XXXX, XXXX XXXX   knows my Address and it has been since late XX/XX/XXXX And what's troubling, Equifax could not reveal which creditor it was that gave this false and erroneous address. I only have a few credit cards.

And that is the major problem. Which creditor I ask again and I could not get an answer as to which creditor it was that stated I still lived in XXXX, XXXX even in XX/XX/XXXX.

The problematic of this entire matter is that on XX/XX/XXXX, My FICO Score Report was sent to me with the same name and address as being XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX some 11 years earlier. And how could Equifax get it some wrong in year XX/XX/XXXXwhen they got it right in year XX/XX/XXXX.

So who was it that gave this false report?

And since then I have changed my first name legally from being XXXX  to XXXX XXXX XXXX.

Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
About a year ago I had received a phone call from a company called FMR ( Forward Movement Recovery ) saying that I owed on a payday loan. When they had first contacted me they had said that they needed to know my location and whereabouts. When I contacted them they had said there had been a claim filed against me. I asked who was this so called payday loan company and their response was oh probably like a XXXX XXXX XXXX. I had panicked and started to pay them so I would get sued. I ran my credit report to see what things I had in collections and when it came back I had nothing that was in collections from a payday loan company. I called my bank and had them cease any future transactions that were scheduled to run from FMR. Since that point on, I had not heard anything from FMR. Fast forward now to XX/XX/2018 and they are calling my phone again saying I owe them for a payday loan. I ran my credit report again and dont have anything in collections for a payday loan. This needs to stop ASAP before I file a lawsuit for harassment and extortion and I will take it to my state attorney general and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: CA

Complaint narrative:
There are inquiries showing on my report that I never authorized nor they have a permissible purpose, nor they have written authorization for the following inquiries. XXXX XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XX/XX/2017

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 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI

Complaint narrative:
I sent {$590.00} via MoneyGram to my wife and wife 's bank account in XXXX. Ref # XXXX  last name XXXX. I was told it would be delivered by XX/XX/XXXX. It has not arrived yet. I called customer service because my online account was closed and money gram rep said they could not disclose why. So now I have to drive back to another MoneyGram place to try to send money to my wifes account again. My debit card only allows {$600.00} withdrawals a day. So I have to make 2 trips on separate days to make the MoneyGram transaction. If I could do this online it would safe me alot of trouble as I could send full amount Now I don't even know if the original {$590.00} will make it to my wife 's account. MoneyGram customer service is extremely rude. They will not let me talk to a supervisor. I am so frustrated right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing second time around since XX/XX/XXXX granted a Hemp Mod but will not cancel foreclosure proceedings. In XX/XX/XXXX company took extra money without my permission out of my bank account.I was never served in person only publicly by their attorney XXXX XXXX with the excuse could not locate me when indeed forwarding address was all along in my mortgage.Submitted an affadavit to the courts in XXXX with attached charges.I will submit the court transcript to you.Then the first Hemp Mod was revoked.The judge has the envelope papers came in.The explaination was I mailed in papers too late.It looks like Hemp Mod was revoked 2 days after recieving them.Up to this day Ocwen has not provided me with a copy of those closing papers.I have to make the assertion those closing papers were fake.This time around everything was submitted by me early.It is impossible to have a mortgage and being in foreclosure at the same time.I strongly believe as a customer I have been abused by this company and their attorneys.XXXX XXXX called me immorale and that ignorance of the law is no excuse.Ocwen retained XXXX.Company entered and broke in and items have disappeared out of my house during my absence.The garage door is damaged.Door frames and locks broken out.My attorney has the pictures.I filed a report w the XXXX.Neither Ocwen nor XXXX   have assumed responsibility for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Had a residential mortgage with XXXX XXXX XXXX, which was transferred to Chase Bank when XXXX XXXX XXXX   failed about ten years ago. In XX/XX/XXXX, Chase Bank agreed to refinance the mortgage and claimed that they had " lost '' the original mortgage and note and stated that they would issue a new mortgage. I closed on the refinance on XX/XX/XXXX. To date, the satisfaction of the former Washington Mutual/Chase mortgage has not been recorded. Chase has recorded the " new '' mortgage and now there are two open mortgages of record against my home.

I requested that Chase supply me with an indemnification for the lost mortgage and note and they have not responded.

This transaction involved property in NY State, and, Chase is obligated to pay a penalty for late filing ( or in this case the non-filing ) of my mortgage satisfaction and for the failure to deliver the original note and mortgage. At this time, the county records show both the " new '' Chase mortgage and the " old '' Washington Mutual mortgage. If I try to sell my property, there will be a problem because the Washington Mutual mortgage is still showing as of record. I also want to be paid the NY statutory penalties for late filing and the failure of Chase to provide the lost note and mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, 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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am using an app to predict future XXXX XXXX XXXX XXXX and get recommendations from them, however when I try to add my Capitalone card it says Capitalone is blocking the service from accessing my data. This is my data and my right to use it as I see fit in apps of my choice. I am being denied of my freedom and right to information by Capitalone!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NE

Complaint narrative:
I paid off my home on XX/XX/XXXX They supposedly mailed my escrow check to me on XX/XX/XXXX. I have never received it and it's now the XXXX. I think they are fraudulently holding on to my escrow XXXX and gathering interest on the money. I don't believe they ever sent a check. They have no tracking number for the envelope. This isn't the first time I have had problems with them when I paid off my house for a few days they tried to say that I owed more money. When I persisted they finally admitted they had made a mistake and misplaced my money. Whenever I call there to find out what I going on with my check someone answers the phone that can't even speak good English so I can't communicate with them and I'm given the brush off about my money. I'm also terrified I won't get my deed in the future.

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 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX closed my XXXX XXXX card without my knowledge or my approval. I have had that card for nearly 2 years, have always made payments on time and never carried a balance on it unless using its special promotional financing option.

I went to make an XXXX  purchase and find that the store card was declined. I signed into the account only to find a red bar across the top of the webpage stating the account was closed. I contacted the Customer Service department and all they could tell me was Synchrony decided to close the account due to my credit report. No other explanation or elaboration was given.

Both XXXX   and XXXX scores are over 669, my credit utilization is around 1 %, no derogatory remarks and no hard/soft inquiries. I have contacted XXXX XXXX. about the matter as well. However, since it is still legal for credit vendors to pull credit lines at will, at random and not require notification, I doubt they can do anything about it.

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 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
XX/XX/XXXX we received a letter stating that our mortgage loan of several years from XXXX  had been sold to a company by the name of Mr Cooper. We continued to have our payment of {$450.00} taken out of our checking account by-weekly. Suddenly when the payment came out automatically on XX/XX/XXXXthe amount had increased to {$600.00}.

On XX/XX/XXXX I contacted Mr Cooper at XXXX. I spoke with a supervisor in there Ohio location. She explained that I was being charged more money due to the fact that I had no home owners insurance. At this point I told this person that I have never NOT had home owners insurance, that this payment also comes out automatically every month. She then stated that Mr Cooper had faxed over 4 separate letters to my insurance company XXXX XXXX  and that XXXX XXXX had not responded. I said, then why would you not contact the homeowner, she said because we do not have to do that by law. So at that point Mr Copper takes it upon themselves to charge you a fee for homeowners insurance. I said that is a terrible business practice and not the correct way to do business. She said that if I could get XXXX XXXX  to fax over proof of insurance that I would have my money back in 2 days. At this time I contacted XXXX XXXX, In speaking with the office manager She stated that she is the only one there and has not received a call or fax from anyone claiming to be Mr Copper. She then faxed them the appropriate information twice and copied me via e-mail.

On XX/XX/XXXX another payment was taken out by Mr.Cooper for {$600.00}. I then contacted Mr. Cooper again at XXXX I spoke with a woman by the name of XXXX in there Georgia location. She was in the insurance division apparently. She stated to me that she could see in the system where XXXX XXXX sent over insurance proof and that she would change the system to reflect this. She then went on to say that I need to call back in 5 business days, speak to someone in the escrow department to be sure that this is in fact fixed. I said, that does not make any sense, you told me you were fixing it right now. She stated, well I can only do some much just contact them in 5 days. Then I proceeded to ask, when will I receive my refund for the 2 over payments that total {$300.00}? She said, oh, well why would you think you would get this money back? I said, because I have my own insurance and you are charging me for your insurance. She said, oh you pay for your own insurance? I said, isn't that the reason we are having this discussion. She then said, well if in fact they do owe you money you will need to wait to call them in 5 days, then they will process it from there and that will take another 5 days. This is just unacceptable ....

Company response to consumer: Closed with explanation