vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Accounts in question are : XXXX ( over 7 years ) XXXX ( i believe we first became late of 7 yrs ago ) XXXX ( i was first late over 7 years..? i think this is a duplicate ) XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed an account from XXXX XXXX XXXX for {$520.00} with Transunion on several different occasions. Initially, the account was held by XXXX XXXX. I disputed it on XXXX XXXX, XXXX through XXXX. ( see attachment XXXX ) And then again on XXXX XXXX, XXXX through XXXX XXXX ( see attachment XXXX ). And each time TransUnion said it meets FCRA requirements. Then, I guess the account was sold to another collection agency because it started showing up under XXXX. And I disputed on XXXX/XXXX/XXXX throught XXXX. ( see attachment XXXX ). I also sent a certified letter to the company disputing the charge. ( see transuiondisputeletter and receipt ... ) Following this dispute, I received a letter from XXXX, sent to my address but addressed to my father XXXX XXXX, saying they received my dispute but " determined that your dispute is not valid, and that the information we have reported is accurate. '' ( see attachment ending in XXXX, XXXX ) They also attached a hospital bill that named my father, XXXX XXXX, as the person who was admitted. ( see attachment XXXX, XXXX, and XXXX ) I filed a complaint with you on XXXX XXXX and I 'm sure you have their response on record. In case you do n't the company said they will launch an investigation. And I received a letter on XX/XX/XXXX saying the investigation was complete and they " verified the account information as well as my name and social security number as being accurately reported. '' I would like to know how Transunion was able to verify this account as belonging. ( see attachment XXXX ). Especially considering XX/XX/XXXX Solution sent me a letter and bill from the hospital that had XXXX XXXX listed as the person receiving services. This ordeal has caused me a lot of XXXX, XXXX, and financial undue XXXX. I am trying to find an apartment and have n't even been able to apply for any because my credit score is not good enough. And I have emails to prove this. I am staying in an apartment that I can not afford because I have no where else to go. And, I have to leave this apartment on XX/XX/XXXX and still have n't been able to find a new one because my credit score does not meet the requirements. I applied for a loan today to consolidate my credit and help with moving expenses, but I was denied because my credit score is not high enough. It is extremely important that this inaccurate information is immediately removed from my credit.

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 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently disputed XXXX XXXX account # XXXX XXXX XXXX 2016. On XXXX XXXX Transunion stated they were able to verify the information reported on this account. This account information is not accurate and I have provided a copy of a XXXX statement proving they did not verify this account according to the FAIR CREDIT REPORTING ACCT would like Tranunion to show me what they verified and what proof they have.

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown 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 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.

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 2016-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Windham Professionals, Inc.
State: NH

Complaint narrative:
I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a continuation of XXXX # XXXX As of yesterday I received a letter from Wells Fargo stating that we said the consumer never provided services. This is NOT what was to them and this NOT what was sent in WRITING to them as well. It stated for me to call XXXX XXXX XXXX XXXX in this letter they sent me and to speak to a XXXX person XXXX for further questions and assistance. Called yesterday twice was told I would have a returned call by the end of the business day this did not happen. I called again this morning not at her desk. Nobody is willing to help us she does not return phone calls. 


We opened a business account at Wells Fargo, We used our debt card with XXXX logo for a purchase that turned out to be fraudulent. We received notice from them stating it was fraudulent. Then we were told our business account was opened incorrectly, and we had to open a new account. About 1 month after we were told that it was deemed fraud they came back and said it was n't. I talked to XXXX customer services, and their visa department got absolutely no where.

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 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX

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 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.

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 2016-09-10 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a beneficiary on a trust held at a wells fargo bank in CA and somehow my sister was allowed transfer the entire trust of {$200000.00} into her personal wells fargo account and close the trust account 6- 8 years ago. I have contacted the attorneys in XXXX CA that were supposed to be handling the trust and they have not responded. I have reviewed the court file and no final accounting/ settlement or other court order was ever entered that would have given authority to either my sister or the bank to transfer this trust money into my sisters personal account. Somehow the bank made this transfer without a court order. In addition, prior to the illegal transfer of the trust money to my sister, I have information that XXXX names were added to the wells fargo trust bank account and that those XXXX individuals were paid trustee fees off of the trust bank account even though there was never a court order giving them such authority nor was there a court order directing the bank to add anyone to the trust 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 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.

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