vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I have had this loan for about a year now. I have not been able to pay it off. They keep on adding more fees and higher than before. I just want to pay it off. I only borrowed {$100.00}, at first then they kept offering more and more, up to almost {$500.00}. I told them that I didn't want to borrow anymore money from their company and I just want to pay them off. I've been sending them about {$100.00} every month but even more fees are added on, and the amount owed is not being reduced by them. I seriously want to put this loan behind me very much. They say that I owe them about {$800.00} maybe it's up to {$1000.00} by now according to them, regardless that I've been paying {$100.00} per month on my loan. Seems to be a scam to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: First Data Corporation
State: TX

Complaint narrative:
I was recently issued this paycard by my now former Employer to settle my final wages. This was REQUIRED by my employer, as no other option was given at the time of release. As such, a card was issued by ADP TotalPay, in order to allow to " expedited '' access to my final wages, at no cost ( according to my employer ). 

However, since issue on Thursday, XX/XX/2019, the card has failed to activate using the automated phone system ( the only option available to users ) and the Customer Service representatives have faced the same issue trying to use the same systems to activate the card. To note, they have 0 ability to force the activation or help in any way, other than to have you go through the same automated system with them on the line. 

My employer touted the instant issue checks that come with the cards, but can't use them since I can't activate the card over the phone. First Data allows online access to the account, where I didn't run into any issues. However, all I can do is review my balance. Issuing a Check still requires the use of the automated system that is unable to activate the card in the first place. 

I've tried unsuccessfully to activate the card, and the representatives all tell me to check back later. It's now Monday XX/XX/2019, and I'm still not able to activate the card. Speaking with another representative today, they have now indicated that it may not be resolved until Wednesday, prolonging the issue almost 6 days since the day of initial issue of the card. 

To make matter worse, their phone system has also indicated that several cards exist under my Social Security number, and when I ask a representative for assistance. I'm told there is nothing they can do. The other resolution offered was a " Money Transfer '' which I can initiate online, but requires the payment of a {$3.00} fee to complete. A consumer has no other options available to them to get access to the funds immediately, other than to wait for a resolution in an unreasonable turn around time.

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 2019-11-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX and I am a American citizen having resided there since XXXX. In XX/XX/XXXX while visiting family in the US my purse was stolen from XXXX XXXX Airport along with all my personal information & subsequently my identity was stolen and accounts were set up in my name, including a Wells Fargo Dealership account. I reported the theft to all relevant authorities including the US Embassy in XXXX XXXX & all three credit agencies. In XXXX I applied to cosign for a house for my mother & found out my identity was stolen and all information, identification and other personal information was used to set up accounts & obtain goods in my name, I reported & provided all relevant documentation to all parties/retail outlets including Wells Fargo Dealership & the fraudulent account remains on my credit file. I contacted them, sent proof of my XXXX addresses for the past 11 years, along with utility bills, copies of my passport and other proofs to the Wells Fargo President 's office as requested and for close to 2 years I still have no resolve. Subsequently I had to hire a attorney as I could no longer deal with the matter and again they to contacted Wells Fargo Presidents office only to be stonewalled with unreasonable request ; i.e. between XXXX and XXXX I was asked to provided a letter of authorization & do so on 2 separate occasions and then was asked to provide a 3rd which Wells Fargo Dealership insisted had to be notarized by a United States notary not a XXXX notary which would have meant me traveling to the US to do. In mid XXXX Wells Fargo stopped communicating with my attorney and the process has stopped completely. I traveled to the US in XXXX of this year especially to resolve this issue and phoned the number on my XXXX  credit report for Wells Fargo & was told Wells Fargo Presidents office was not the correct department to report or deal with my matter and was told I had to re-submit all the documentation I sent them in XXXX, my attorney sent in XXXX again. Wells Fargo now claims there was a trade in & the car was purchased and registered in my name all during the time I was in the XXXX. I have provided all the documentation, hired a attorney, proven my whereabouts & proof of address since XXXX, put a fraud alert on all three of my credit files along with a freeze & lock. I believe Wells Fargo Dealership has stalled and refused to take my claim seriously, subsequently refusing to remove the fraudulent account off my credit file which is causing me a tremendous amount of stress and agony, not to mention I can not buy a house or obtain a loan. 
Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I recieved a letter of denial for modification. in that letter it stated i had 30 from that date of that letter to appeal there decision. The letter also stated no sale will be conducted until during the appeal process. I called SPS after recieving the letter in the mail at least 12 days after the date. Asking them to provide with certain documents that i would need in order to prove my appeal. On XXXX XXXX i recieved a call from a Mr . 
he advised me to send my appeal letter to " XXXX '' XXXXso i did just that he gave instructions on what to put on the letter ie in the subject box appea lwith loan number. i followed his instructions. 
after recieving the documents i requested i began my appeal On XX/XX/XXXX i sent it over I have attached the proof. On XXXX XXXX i recieved a letter stating the recieved my request for an appeal and they would get back to me within 30 days. WEll The set a sale date for XX/XX/2019, clearly im within my 30 day review period. no sale should take place, I have been calling the odsbudman dept. i spoke with XXXX XXXX.She told me that they would not postpone my sale because i was not within the time limit for appeal. I told her i was and di send it in so she looked it up and oh ok i will escalate to see if we can postphone sale date. I adviced her that we had very limited time has the XXXX holiday is approaching and the sale date is thje Monday after. She said call back MOnday XXXX, 2019 si i diid this morning only to be told to call back tomorrow There is no time left Tuesday, wensday  thats it holiday come MOnday  morning it goes to sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: GA

Complaint narrative:
I reported improper reporting of bankruptcy to Transunion on my XXXX XXXX XXXX XXXX has reinstated my credit card due to a mistake on their part as I am not in any type of bankruptcy. However Transunion is still reporting bankruptcy on my credit. I reached out to XXXX  and they state they have corrected their error and reported the bankruptcy was an error by XXXX and reinstated my credit card. Transunion still reporting bankruptcy on new updated report they provided after their investigation which is invalid.

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 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I received an offer in the mail for a loan which I accepted. I went to the company 's website, Cashnetusa, and completed the application. I was approved for a loan of {$1200.00}. I received this amount on XX/XX/19. My first payment, XX/XX/19, was for {$320.00}, which I paid. 
My second payment, due XX/XX/19, is for {$470.00}. This is ridiculous. That is {$150.00} more than it should be. Also, my current balance is {$1500.00}. This is the exact opposite of what should be occurring. NONE of my payment was applied to my loan. My scheduled payment is {$150.00} more than the first payment I made. This is horrible, I in no way was prepared for a {$470.00} payment. 
I called CashnetUSA and was told by a representative that " the second payment is always higher, and the third payment will go down ''! This is convoluted and defies explanation. 
Would you please look into this? No one would take out a loan under these circumstances if this were anything a reasonable person would expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX, I tried to transfer money to my son 's girlfriend but could not. I called Chase and they informed me there was a dispute on my account by Mr. XXXX XXXX on a {$600.00} transfer he sent me on XX/XX/XXXX. I was unaware of any issue, but told the bank I would check with Mr. XXXX. Upon speaking with Mr. XXXX, he said he has not filed any dispute or anything about this transaction. On XX/XX/XXXX, Mr. XXXX and I spoke with representatives from XXXX  XXXX XXXX. We were told at that time that no dispute was filed. I then called Chase. I was then told that the dispute was via the XXXX app feature of the XXXX  XXXX XXXX account. Mr. XXXX and I then called XXXX XXXX XXXX again. Again, we were informed there was no dispute filed either by XXXX  XXXX XXXX or the XXXX XXXX originating from Mr. XXXX 's account with XXXX  XXXX XXXX. I then called Chase. From that point it has been call after call. I was given no timeframe for resolution and no opportunity to prove my account was wrongfully frozen. I have spoken to agents, supervisors, even representatives from the CEOs office. No one can tell me why my account is still frozen when I have provided them with my assertion that no dispute has been filed. No one can tell me a timeframe or give me any indication when my funds will be released. At this point, I feel that Chase is in error by continuing to withhold access to my money when no one has filed a dispute and no one has offered proof of said dispute. I am asking that my account be released immediately so that I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I wanted to refinance my house so I could lose the PMI payment. I contacted Quicken Loans and they asked what was my ultimate goal. I said to lose the PMI payment and have a conventional loan. XXXX ( who no longer works for Quicken ) said I was not eligible because my credit score was too low. He suggested a two step refinance process to get my credit up. First, refinance to payoff the credit card debt to help rebuild my score and then refinance again once the scores were at XXXX. He said after making four payments and having an eligible credit score they can start the new conventional loan. I said I don't want to pay closing cost twice and he assured me since I would be a current client I would pay very minimal closing cost. I proceed with this loan and got my credit score up. In XXXX of XXXX, I contacted Quicken Loans and worked with XXXX. After the {$500.00} appraisal fee was paid and the underwriters looked at my information, he said I was not eligible to do a conventional loan because I had a foreclosure in XXXX of XXXX and could not get a conventional loan until seven years from that date. This be would be XX/XX/XXXX. I explained that I submitted the foreclosure document back in XXXX of XXXX and at that time I should have been informed that I would not be eligible for losing the PMI until XXXX. He agreed and they did reimburse me the {$500.00} appraisal fee I paid. I then contacted Quicken 's complaint department. XXXX said that was terrible this happened and offered {$500.00} off my next loan. I told him that we were not on the same page and feel I deserve to have all the extra costs reimbursed. He said he would review the situation and get back to me. When he did he said he found nothing wrong and they were not able to go back to the recording of XXXX 's conversation with me to verify what XXXX said because the conversation was erased. They only keep that information for 90 days. My issue is I should have never been told I could move forward until my foreclose had passed the seven year window. My original loan principal was {$250000.00} with a 3.375 % interest rate. The Quicken Loans amount became {$270000.00} at a 5.625 % This was ok because I was told it was temporary, they were giving me {$1200.00} to pay off credit cards, and once my credit was up they could get me into a better loan. That never happened and my monthly payment went from {$1900.00} to {$2.00}. Now I was forced to refinance again because I could not continue paying an extra {$370.00} a month. So refinancing again brought my total principal to {$290000.00}. In the end, Quicken Loans was aware of my foreclosure from the beginning and should have never moved forward with putting me into a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I paid my account in full a couple of years ago. The company reported the exact same debt twice on my credit report and refuses to fix it ( original debt was with XXXX  ). They told me to dispute it and they'd allow me to remove it that way, but when i disputed, they just verified the debt and didn't remove it. My credit dropped 60 points and I'm currently under contract to buy a home!!! This is so unfair!!!!

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 2019-11-25 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
Im a single mother I borrowed {$300.00} this pay back chart has paying back {$600.00} this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX Solutions. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.

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 2019-11-25 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: Nelnet, Inc.
State: OR

Complaint narrative:
I am trying to pay off my XXXX  school debt. I originally started with XXXX XXXX and my loans were sold to NELNET. I have recently tried to pay off the remaining balance. Online payments are not allowed for " pay off '' due to accumulating interest creating a higher payment than what is actually owed. I called and had to submit additional payment of a dollar or so to cover the interest " while the loan payment is being processed. '' I am unable to just " pay off '' this loan today. I am frustrated. If interest is over what I have " paid in advance '' then I need to call back in a few days and make another " less than one dollar '' payment to cover. This is predatory and taking advantage of people taking out these loans. Payoff should be simple.

Company response to consumer: Closed with explanation