vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I initiated a rollover of a 401k to an IRA with the stated intent on taking a one time dispersement for a down payment on a home. I was sure to inform Wells Fargo of this purpose. I was told " a couple of weeks '' for the entire process to be completed. The IRA was created on XX/XX/2018. I promptly submitted the distribution form that same date at XXXX to the email XXXX as instructed with an expedite ticket number of XXXX. I was told it would be fully complete in 5-7 business days. I have had to make multiple calls with Wells Fargo agents unable to locate the form, unable to find the underlying account, and insisting I had to start the process over. In total, 10 calls have been made regarding this. On XX/XX/XXXX, at XXXX, I was instructed to resubmit the form to the same email above and it would be processed within 24 hours. This did not occur. In a call back to voicemail on XX/XX/2018, I was notified that in response to my inquiry they were unable to find any evidence of a submitted form. 

The continued delays, obfuscation, and inconsistent messages are materially interfering in my contractual obligations with the sellers of the home I seek to purchase. A closing date for the home has been delayed 3 times as a result of the incompetence and misdirection of Wells Fargo 's investment services team. This is my money. This should be a routine transaction that is common for 1st time home buyers. I insist they release my funds to me on an expedited basis. Any assistance in securing this result would be appreciated.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Somehow Experian seems to have verified some information, That XXXX deleted. XXXX   deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Experian somehow verifies it.?? 

XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Experian is in violation of the FCRA, XXXX Deleted the same item that I challenged at Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Since our servicer has changed there has been problem after problem. 
!, right after Mr. cooper took over purchased home owners insurance when active policy was already in place 2, held payments in lieu of additional payment. 
3. purchased flood insurance when not in flood plane. 
4. pre-approved modification that extended mortgage from XXXX to 40 years. 
5. there has been numerous issues that this company has not addressed or taken responsibility for. they recently denied a modification stating too that there were 2 before. They need to be held accountable and they need to honor the last modification it can not be right to double the length of an existing mortgage. I have been in direct contact with the mortgage originator XXXX XXXX with less than stellar results and i quote, " SOMETIMES A MODIFICATION IS NOT A GOOD THING. All I want is to keep my home. 
Mr. Cooper says we are here to help and thats not true. On XXXX XXXX there was a complaint filed with you and no response from them at all. 
All I get is a standard form letter from them attached are XXXX but there are more. Attached is a receipt sent registered mail. In addition XXXX XXXX has been sent numerous documents as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
Puchased vehicle from Car-Rite, Britefinancial XXXX sold a warranty that they will not honor as conveniently the item to repair isn't listed in the contract. Car-Rite is legally responsible to repair the vehicle. XXXX XXXX report they showed me and the actual XXXX XXXX report totally different when I signed lease for vehicle. The repair on the vehicle is a know problem with XXXX. XXXX XXXX basically got rid of cars they couldn't sell through this subprime dealership and sold warranties. In addition to not paying for repairs the vehicle has stalled more than once on the expressway. When call to cancel the warranty will only refund 40 % of the price paid due to miles on the vehicle. Because the dealership has been closed since XXXX of 2017, only 4 months after signing the lease on the vehicle it has been difficult to even get a different dealership to diagnose the problem, {$130.00}. I have had to pay out of pocket to diagnose my vehicle and will have to find other means of getting to work as the car isn't reliable. The cost estimate for repairs is {$600.00}. It is an outrage that companies can get away with sabotaging someone and their credit when they are paying for safeguards so extra expenses don't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My issue is with Transunion I disputed Three items on my credit report. Yet they have not responded with the results. Transunion will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to Transunion was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to Transunion. I have yet since XX/XX/2018 to recieve a response from Transunion with my follow up letters and info on my credit report.

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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have a debt with XXXX XXXX XXXX XXXX that is current. I have been paying since an ER visit in XX/XX/2017. I have made two payments a month and the hospital has accepted the payments and credited my account.

I have never heard of XXXX : Contact XXXX   Telephone : ( XXXX ) XXXX Without any communication they reported me to the credit bureaus for a debt in collection.

I have proof that I've paid this debt.

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 2018-07-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My issue is with XXXX I disputed Three items on my credit report. Yet they have not responded with the results. XXXX will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to XXXX was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to XXXX. I have yet since XX/XX/2018 to recieve a response from XXXX with my follow up letters and info on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 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: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: GA

Complaint narrative:
I placed a fraud alert in my credit reports over a year ago and I have received numerous unauthorized inquiries from companies but was never called by the credit reporting agency to verify if I authorized the transaction. I called the credit reporting agencies to see if my phone number was listed in my file and spent nearly 30 minutes explaining to a customer service representative what I needed just to get the run around and still did not find out if my phone number is listed in my credit report. What's the point of having a fraud alert on your file if the credit reporting agency is going to supply anyone who request you files without ensuring it is an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
ask band to send statements, they didn't

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 2018-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX without my requesting it, I was enrolled in Paperless Billing. While I was indeed logged into my account on the XXXX. ( my records show that I reviewed transactions from a recent trip ) I did not request paperless billing. 

By arbitrarily enrolling me in Paperless Billing, Citicards avoided sending a paper statement which caused me to miss my subsequent payment due date. Since no statement arrived at my home, no payment was sent and now I have a missed payment on record, an interest fee and a late payment fee. 

I was refused any redress by Citicards when I contacted them by phone and chat on XX/XX/XXXX. While online with their chat personnel I found that they had disabled my ability to turn off Paperless Billing,  which was very suspicious. 

This smacks of a predatory practice ( making changes to an account without any request ) and needs to be promptly addressed.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THIS IS GETTING VERY AGGRAVATING, SINCE THIS IS THE 4TH TIME I HAVE TRIED TO GET THIS PROBLEM RESOLVED!!! Equifax is continually reporting payments being made on a CLOSED XXXX XXXX account! Please look at my history of complaints and I am STILL waiting on Equifax to resolve my previous complaints. Equifax just reported my XXXX mortgage payment, along with my XXXX mortgage payments, to the CLOSED ACCOUNT ONCE AGAIN!!! Is there anyone or any agency that governs Equifax or are they just free to do whatever they choose and XXXX around with people 's credit which affects their score??? Better yet, is there anyone who really cares??? I have suffered financially due to their ERROR, as I have not been able to obtain funding for my business!!! What can be done other than sending complaint, after complaint, after complaint and nothing is HAPPENING???? I am not satisfied with any service I have received!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a vehicle and have Capital One Auto Finance as the lender. When I attempt to make my payment it will not allow me to set up my payment on the due date. My payment is not due until the XXXX of the month. The system only is showing me a due date up to the XXXX which is about 2 weeks earlier than due date. I had the same issue last month and called to let them their system is not allowing the due date to show. The representative stated they would pass the information on to determine the issue in order to resolve. I have to either make my payment early or remember to go in closer to the due date to set up the payment for the month. This is unfair to the consumer because they either have to pay earlier than the due date or consistently go back in to see when the date is highlighted to set up the payment on the day they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?

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 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX. 

Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}. 

Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money! 

If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX. 

I have written to different companies who have purchased the above account to harass me. 

This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them. 

Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills? 

I am tired of this company continually harassing me. 

I dispute the bill. 

XXXX is their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been paying above my standard payment since I first began paying my student loans. When setting up autopay with Navient online I verified that any amount payed above my standard payment would go to the loan with the highest interested rate ( this was actually shown to be the default setting within my profile settings on the Navient website ). As I began paying off loans with other loan servicers I began moving the payment that I had been making to those companies over to my Navient loans to apply towards principle. I again verified the allocation of extra payment to the loan with the highest interest rate when I added to the principle payment in XXXX of 2018. In XXXX of 2018 I began looking through my loan statements as the loans I have with Navient are the only loans I still have left. I noticed that the extra principle payment I was making each month was not being correctly applied to the loan with the highest interest rate. I called in to speak with someone and they apologized but said unfortunately that isn't how my account was set up. While on the phone I logged back into my account and as I explained to them it still showed in my personal settings in my profile that extra funds would be applied toward the highest interest rate. I requested multiple times to speak to her supervisor as all she could do was apologize and say that wasn't how it was set up in their system. She finally asked to place me on hold while she got someone else for me to talk to. A few minutes later she came back and said she had fixed it and going forward the extra funds would go to the loan with the highest interest rate. It was obvious I wasn't going to get the chance to speak with anyone else so I stated I would gather all my paperwork and call back. I pulled all the information I could from what was provided in my account but a lot of information wasn't available such as the individual interest rates of the loans since I first started paying. I called back in a few days later and explained the situation and requested all the information I could get on my loans so I could go back over where and how my payments had been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: VA

Complaint narrative:
I am trying to link my capital one account with XXXX XXXX to review my credit reporting and capital one is blocking me from linking my account. I called capital one on XX/XX/2018 and they said they are unable to fix this. I just want to be able to have an up to date way to track my credit score. All of my other banks were able to link including XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.

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