vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
My friend in AZ is selling her home and shopping for a new loan. I am not licensed but offered to help her find a reputable lender.   Her existing loan is with USB. She contacted  XXXX   XXXX   XXXX  at USB and asked for an itemized breakdown of their fees.   She was first told by him that her rate would be higher because her loan amount was not the 'standard ' and below {$150000.00}.   He then refused to give her and itemized fee sheet claiming this was a loan estimate.

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 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: NC

Complaint narrative:
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: RFNA, LP
State: TN

Complaint narrative:
they got my name from somewhere and sent me an check in the mail I never ask for I do n't think it should be legal Republic Finance and they lied about me begging them for a loan in  XXXX  TN .last year they do many checks in mail to many people I told the the motor blew up and i had to replace it .I only get   XXXX   income they waited the day before to get it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: AES/PHEAA
State: AZ

Complaint narrative:
Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
This relates to an international transfer of funds from my bank in the United States to a recipient who lives in  XXXX , using a service called  transferwise.com.  The amount of the transfer was  XXXX   XXXX , plus a  XXXX    XXXX   fee charged by transferwise for a total transaction of  XXXX   XXXX .     Per transferwise 's instructions, I directed my bank to send  XXXX   XXXX  to  XXXX ,  XXXX  And  XXXX   (   XXXX   ), t he bank in  XXXX  designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only  XXXX    XXXX   had been received. I confirmed with my bank that it had indeed sent  XXXX    XXXX  , so I asked transferwise what happened to the missing  XXXX   XXXX .     At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee.     My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee.     I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the  XXXX   XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I recently  received a letter from Citi bank that states that their " records reflect that you previously enrolled in Credit Protector, an optional debt protection program offered by Citibank N.A for witch you were charged a monthly fee. '' The go on to say that " if you believe that you were enrolled without your consent or knowledge of the program or costs ore benefits, you may go to www.citi.com/refundinquiry and submit a claim ... '' My concern is that I received this notice with no knowledge of what was happening so I called them. The people I got that I talked to m ade it sound like I have the opportunity to re-enroll into their program and that it is a service that they provide. They are so facetious about it that it sounds like a scam and I was n't going to do anything. I looked your article up on the internet and see now what is going on. Should n't they be more upfront about this? It is very concerning to get such a letter in these times when there are so many scams out there and they give little to no information about what is going on and make it sound like I have the " opportunity '' to re-enroll in their credit protection program.

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 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon

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 2017-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Early Warning Services, LLC
State: SC

Complaint narrative:
Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.

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 2017-05-25 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: CA

Complaint narrative:
XXXX   OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT  XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TAKE  5-10 BU SINESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX   XXXX  Original Creditor   XXXX   XXXX    XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Initiated dispute with TransUnion. Transunion responded by indicating the information is correct and continues to show this account in a derogatory manner. The account in question,   XXXX   was included in a Ch.  XXXX  bankruptcy, case #  XXXX  and has exceeded the 10 years and in violation of The Fair Credit Reporting Act.   Attached is documentation regarding this matter. This information is NO longer shown on either  XXXX  or  XXXX  credit agencies since the time allowed has passed. I am requesting this mis-information be removed 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 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.

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 2017-05-25 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: AL

Complaint narrative:
I have been unable to enroll in any kind of payment plan that lowers my student loan payments in any way. I have been filling out applications online and though the mail for over 6 months only to be denied each time on the base of missing information ... .incomplete information ... .leaving things blank ... keying in answers wrong ... .its always something. And I know that each and ever time I have filed the paper work correctly. I am being put into forbearance causing my intreast rates to soar though the roof. I have asked and begged for help with no respons from company. I have been given bad and incorrect information regarding my loans.I am also being harrased 7 days a week at all hours of the night and day to repay loans that were included in our bankruptcy. I have also applied for a case in the closed school causing me a worthless degree but each time they say if not filed that application corecctly either I am in need of answers and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I believed I made my last payment on the  card, but was not sure. After doing some investigating I requested proof of purchases and invoices. Macy 's charged my card for something I did not purchase. I thought it was maybe clothing or something smaller, i.e. less th an {$25.00}. However, the purchase was nearly {$300.00}. I have disputed this for near ly three years a nd nothing has become of my complaints to them. I am now in collections to  XXXX   XXXX   XXXX  and all they will do is attempt to collect payments. I do not owe this and have exhausted every resource and course of action.

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 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I spoke wit h Oliphant Financi al on  XXXX , I tried calling for 3 days so I finally left a message on  XXXX  and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through  XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.

Company response to consumer: Closed with explanation