vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX  to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX  being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I called a little over a year ago to release my cosigner. I met all the requirements needed but was still denied. I called again on Monday, XX/XX/XXXX to request a forbearance. It's been the only option they have offered me. I have used all of my forbearance allowances at the time. I make {$17000.00} a year and my payments are now $ XXXX/month. They refuse to lower my payments based on income or release my cosigner. I've made payments on time for years and they still refuse to work with me in anyway. The majority of my payment is going towards interests, with barely anything going towards the principal amount owed. They're putting me into poverty and not batting an eye.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first three months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with XXXX and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. 

Even though the reason for cancelling my XXXX Business card was the loss of most of my upcoming contracts, I contacted American Express to reinstate the card and I will pay for any fees out of my savings in order to get the points reinstated and maintain a long and productive relationship with American Express. Im unsure as to why this has become a problem when a valuable customer is under duress financially and wants to do the right thing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Repeated phone calls starting at XXXX XXXX until XXXX XXXX  from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a store credit card at XXXX XXXX in XXXX, MD which is serviced by Wells Fargo. They claimed that this card was no interest for the first 12 months. Over the course of the next year I made payments as agreed upon and at the last 3 months paid 600+ to make sure that the balance would be paid off before interest was applied on XX/XX/2018. 

I sent my bill pay form XXXX as usual and the check was received by XX/XX/XXXX for {$660.00} which was over the balance by XXXXcents. I logged on severally but the payment was not applied. I called my bank to check what the problem was and they provided a receipt that payment was sent and received on time. 
That is when Wells Fargo reps started calling me for payment and I told them i had already paid. I have all the call logs of this. They sent me to another department and i have been working with 'XXXX '' from XXXX XXXX XXXX. She asked me to fax her proof of payment and I did, twice. 

This morning about a week later, XXXX called and said they would not honor my payment because they did not cash it. I got to my computer, paid {$660.00} which was the original outstanding balance and let her know that I would file a complain with the banks ( wells Fargo, XXXX ) and with the Federal Trade Commission as this seems odd that only the last payment went missing and i used the same method to send payment. 

I have also asked Wells Fargo to close the account as this is my 2nd time trying business with them unsuccessfully. I believe this is unfair practice and if the account was truly no interest the payment would have been cashed without issue. I believe because i was able to pay off the balance, wells fargo " lost " the final check so as to apply $ 700+ interest on my account. 

I am writing to seek assistance in closing this account and in making sure that they do not have detrimental effect on my credit report. 

Thank you for your time and assistance on this, XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 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: NM

Complaint narrative:
On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) Equifax. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX  regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/18, I received a call on my land line from a person who said that he was calling from XXXX to tell me that my XXXX  account had been " breached ''. I had received, the week before, on my XXXX, a pop up that said my XXXX account was almost full. I found that puzzling as I pay for that account monthly and I had never received a pop up like that, so I believed this really was a call from XXXX. At that point, after taking the call, I was transferred to a woman who said that she was an XXXX  technician, she had an XXXX XXXX accent and requested access to my computer using Go To Assist. I gave my permission. Once she had control of my computer she began showing me " evidence '' by way of colored charts, diagrams with moving data that she said were XXXX hackers who were at that moment hacking into my bank accounts. She also said that there was evidence of XXXX XXXX on my computer that the hackers were using and that if this was found on my computer it was a federal offense. She said that because of the seriousness of the situation she was going to have to transfer me to an XXXX security supervisor name XXXX. XXXX went on to tell me that these XXXX hackers had placed a " bad limit '' of {$11000.00} onto my credit cart and {$6000.00} on my debit card. He went on to tell me that in these cases XXXX uses " security license cards '' that I would need to buy but that I would be refunded fully by XXXX because the money needed to come in the form of cash or credit from me so as not to inform the hackers of that XXXX was involved in there whereabouts. The " security license cards '' ended up being XXXX XXXX XXXX which I had never heard of. I went to my ATM and withdrew {$2000.00}. XXXX told me that using this to buy the " security license cards '' in the form of the XXXX XXXX XXXX that he and his technicians would be able to shore up my debit account so that the hackers were unable to remove any more money. That day, when I thought this was a scam, I called Umpqua Bank and explained to them what I thought was a scam and placed a dispute onto the {$2000.00} withdraw which was denied a week later because Umpqua Bank said that I went there on my on volition.

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 2018-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CT

Complaint narrative:
WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The home was purchased in XX/XX/XXXX. The original mortgage was transferred to XXXX XXXX and ultimately to Wells Fargo. In XX/XX/XXXX, the owners received an unsolicited visitor who promised to reduce their interest rate from 7 % to 6 %, one free month mortgage payment and provide {$2000.00}. Mr. & Mrs. XXXX never received any further documents or funds. Also, it appears this was a second mortgage for over {$85000.00}, which has been consolidated with the original with a maturity date that has changed from XX/XX/XXXX to XX/XX/XXXX. In  addition, the monthly payment has increased. 

Wells Fargo was recently contacted and is in the process of researching originating documents. They told the homeowners a follow-up will be made by XX/XX/XXXX. 

It appears there was a discrepancy on the mortgage note filed with the County of XXXX. 

The homeowners are seniors and on a fixed income. The current monthly mortgage payment of {$1900.00} is causing a hardship that they will note be able to keep for very long. 

Additional assistance is needed.

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 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This company calls me 2 to 3 times a day everyday and it is in the hours that I am at work so I can not answer my phone and this has been going on for about a month-and-a-half. I did end up calling this phone number back and found out that it was Diversified Consultants Inc. The lady that I spoke with and right now I can't remember her name, but she stated that she was a debt collection agency for XXXX. We ensued in a conversation and she said that I had to take care of this debt. we started to work on a way to get this debt settled however she said that they could not except the payment arrangements that I said I could do. I told her that was the only Arrangement that I could make and she said that I was being non-compliant and that she would notate the account. And then she hung up. I looked up their company name and found a bunch of complaints against them saying that they were scam artists, so I brought up my credit report to see if they were truly the ones named on my credit report for that debt and found out it was under another name. So I am going to contact the actual company on my credit report to get this debt taken care of, but people should know about this other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 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: NJ

Complaint narrative:
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good

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 2018-09-12 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: PA

Complaint narrative:
I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
I receive about 4 phone calls a day regarding my student loans, and how I qualify for assistance even though the deadline has passed I could still be eligible. However, I decided not to kick-the-can down the road and I refinanced through a private lender. I tell these people that call me from XXXX that I am no longer eligible for these forgiveness programs bc I now have a private loan. They say they can not remove me from the list and call me about an hour later. OR they say they will remove me and still call me an hour later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transunion last week after sending in numerous inquiry removal letters through certified mail for the last past couple months. All the other credit beaus removed the inquiries, but transunion is not removing them. So I called last week the beginning of XXXX and spoke with a young gentleman about the process that i was taking and the reason and nature of my call, and he explained to me that there was nothing the he could do and that I would have to write more letters along with another form and sen it in all because the letters sent was not going to do anything. Being aware of the credit rights I explained to the gentleman that once the inquiries were wiped from the other reports that transunion was suppose to do the same. He further explained to me that this was incorrect and that he could not accommodate my request.

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 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A check was written to XXXX ( XXXX XXXX XXXX XXXX XXXX  ) for {$30.00} on XX/XX/2018, placed in an envelope and put in our mailbox. Apparently the envelope was stolen from our mailbox and the check was modified with the payee of " XXXX XXXX XXXX '' and the amount was changed to {$3500.00}. The check was cashed on XX/XX/2018 against our XXXX XXXX XXXX ( XXXX ) checking account to a payee account at the Bank of America ( BOA ). The check image is attached. We filed a police report on XX/XX/2018 and submitted an affidavit ( attached ) documenting the fraud to XXXX. XXXX   filed a report to BOA on XX/XX/2018. BOA responded ( attached ) denying the claim on XX/XX/2018 claiming the signature was modified which it was not. We have been in contact with XXXX   several times concerning the matter. This matter has dragged on for over 4 months and I am in doubt whether we will ever see the funds despite assurances from 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 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
My loan servicer for my mortgage is DITECH. I requested a LOAN MODIFICATION application late XX/XX/2018. Never received it. I waited and waited and then in XXXX I called and talked to a REP. I told him I never received it and all he could say is that he would have to make a request to the main office to see if they would send me another one. He said they had 30 days to make their decision. HAVEN'T GOT IT YET. They constantly play games. My income is {$1500.00} a month and my mortgage payment is {$700.00} and they won't help me. Plus, I can not afford my property taxes. I get SOCIAL SECURITY and a Tiny Pension

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation