vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union allowed a fraudulent payment from my debit card on XXXX XXXX XXXX in the amount of {$2100.00}. After contact from both my bank and me, they refuse to refund the money to my account. They also said they would give me a fraud account number to file with the local police, which they have not done. They allowed this charge without my pin information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had opened an Wells Fargo secured credit card and I had issues financially to pay this account down and they closed my account for no reason and had this debt on my credit for several years I called Wells Fargo to settle this account and however the representative used a communication tactic to settle the debt stating that I was going to pay 60 percent of the balance and he stated that he will forgive 60 percent off the balance and each and every representative I spoke with treated in an unacceptable manner and stated that I lied and that it was noted that I will pay that amount

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 2017-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. 
I have a DO NOT Call at work on my account and they have called me at work.

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 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. Thank you.

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 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: ME

Complaint narrative:
On/about XX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: ME

Complaint narrative:
On/aboutXX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of Pendrick Capital partners ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: IL

Complaint narrative:
I disputed a bankruptcy that is being reported on my credit file with transunion. I enclosed documentation advising XXXX has removed the information from their files and is not reporting on their file they maintain on me. I also included in my correspondence with them that the letter from the US Bankruptcy Court Northern District that they do not perform any activites with the credit bureaus which include verification/validation of the file. After submitting all the information and disputing the file that Transunion maintains, they continue to " verify '' the record on my credit file. I requested the means to which they verify their information, and informaed them I do not consent to any electronic verification, they still refuse to furnish the information to me as how they verified this record. 
Their failure to furnish me the verification meathod and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act.

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 2017-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I got behind on my mortgage after a disaster involving pipes bursting and backing sewage up into the house. I have to replace the main line pipes and refinish the basement after XXXX XXXX ripped out all the walls and carpeting. I spent my entire savings trying to make the house livable again which caused me to get behind on the mortgage. 

I applied for loss mitigation on XX/XX/XXXX. At that time I was 4 months behind on my mortgage. I called several times attempting to set up a payment plan to get the mortgage up-to-date but Loan Care refused to take any payments unless I paid the entire amount due. In XXXX, Loan Care denied my request for loss mitigation. 

I applied for loss mitigation again on XX/XX/XXXX via fax to XXXX since fax XXXX would not answer. After 3 week I had to resend the paper work again because Loan Care said they never received my documents. 

As of today, XX/XX/XXXX, I am 8 months behind on my mortgage and I was attempting to pay 5 months today but once again Loan Care would not accept a payment and I do n't believe they are going to approve my request for assistance. I am now having to try to sell my house before they foreclose on it because I ca n't get anyone to work with me on paying the mortgage. I 've owned this home for almost 20 years and this is the 2nd time in 20 years that I 've had financial difficulty, otherwise, I 've paid my mortgage as required.

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 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife worked with Chase on our first mortgage. Overall the entire process was a let down, but my reason for this complaint was because we were told untrue and I believe purposefully inaccurate information. My loan banker, XXXX told me in multiple conversation that a benefit Chase has over other banks is that the automatically remove the PMI after 5 years. It sounded too good to be true, but she said that she took advantage of this benefit herself. She sold this incorrect info as a a benefit. She is longer an employee of Chase, and when I filed this complaint and escalated to corporate it was was delayed and they quickly closed. XXXX XXXX  never returned any phone calls. When I told them I have proof in the form of emails, I was told they don’t accept emails and would not communicate with me via email. I tried to speak with them and handle. I never felt the bank was interested in my side or taking any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: OK

Complaint narrative:
I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Violates Hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into 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 monetary relief
Consumer complaint received 2017-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a Merrill Lynch credit card on XX/XX/XXXX and was approved on XX/XX/XXXX. I was supposed to receive XXXX points after spending {$3000.00} in the first three months. You can use XXXX points to buy an air ticket up to {$1000.00}. After I spent {$2900.00} in the first month, the bank decided to cancel my card without any warning or any explanation. I called on XX/XX/XXXX, and  was informed that my account might be reopened if I go to a financial center and bring two pieces of ID and proof of income to be faxed to that department. I went yesterday to XXXX and talked to XXXX XXXX. I brought 4 different forms of ID : my DL, my " green card '', my social security card, my XXXX trusted traveler card. I also brought my marriage certificate, and two years of my tax return transcript downloaded from the IRS. On XX/XX/XXXX, that office has informed us that they had received no fax, and I had to go again. Later on XX/XX/XXXX, I received a call telling me that they were unable to verify my identity. The manager XXXX XXXX told me that their system can not verify my identity and my account will remain closed. I have accounts with at least 5 other banks and none of them ever questioned my identity. I believe that they created this excuse to deny my signup bonus. They refused to tell me what it wrong with my documents and made me feel as if I am a thief. I believe that they selected me because of my XXXX last name. My husband, who is not XXXX, opened the same type of account earlier this year and they gave him the bonus without ever questioning his identity.

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
My father died in XXXX and had a balance on a credit card with Discover. Discover then used my identity to notify the IRS that the account had been written off, in my name, causing the IRS to bill me for {$2500.00} for more taxes due to the write off in my name. Discover never contacted me or notified me in any way prior to my notice received in the mail from the IRS. I have talked with Discover, on multiple occasions, to inform them that I had nothing to do with this issue and to please notify the IRS. Even after all the information provided to Discover, they still have used my identity to write off the debt for my father. It is obvious that there is an account for my father with a specific account number and there is an account for me which is current, with a specific account number. The account numbers are different yet DISCOVER refuses to acknowledge they are using my identity for an account I am not associated with. The latest correspondence, from Discover, confirmed that Discover was still going to use my identity to write off the debt for my father. I started to just pay this, but I can not pay because if Discover can arbitrarily use my identity to use as a write-off then notify the IRS of that write-off, they could arbitrarily use anyones identity and do the same thing. It makes me wonder if this is not commonplace? My identity has been used to satisfy a debt for someone else and is evidently not a mistake on DISCOVERS PART DUE TO THE MULTIPLE DISCUSSIONS I HAVE HAD WITH THEM. Identity theft would seem to me to be illegal for everyone including corporations attempting to write off a debt in someone else 's name. This is my last step as I have a meeting with legal counsel tomorrow because this issue is serious and has not been corrected by Discover. I feel I have no choice as my identity was stolen to mis-represent a write off for someone else besides me. Thanks NOTE : In the step where it asks " is someone else involved '' I stated No because my fathers account is involved but he died in XXXX. I am not sure how to answer the questions due to that fact. Thanks

Company response to consumer: Closed with non-monetary relief