vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Would like to know if Wells Fargo had exposed my mortgage loan to fraudulent practices.

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 2018-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
Charles Schwab informed me last week -- out of the blue -- that they were closing my brokerage account, my IRA and my checking accounts. This is the fourth bank to close my accounts without giving me reasons why. I have had this happen with XXXX, XXXX XXXX and XXXX XXXX, too. This problem goes back to around 2010. I NEED to know the cause of this.

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 2018-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.

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 2018-04-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
( SEE ATTACHED DOCUMENTS ). I am seeking relief from a Interest only ARM loan that I received from Wells Fargo Mortgage ten years ago. Over the last several years I have sought relief from Wells Fargo Mortgage. In XXXX I received a temporary two year loan modification from Wells Fargo. I expressed my concern regarding the temporary status of the loan modification and was told I could submit a new modification loan application 30 days prior to the expiration date. XX/XX/XXXX I submitted a loan modification for both my mortgage loan and my equity line of credit loan and was denied. In XX/XX/XXXX my monthly mortgage payment increased by more that $ XXXXmo from $ XXXX to $ XXXXmo, XX/XX/XXXX my line of credit loan increased from $ XXXX/mo to $ XXXXmo. I submitted another loan modification in XX/XX/XXXX. I received a modification on the equity line of credit loan reducing my monthly payment from $ XXXX/mo to $ XXXXmo but was denied a loan modification on the mortgage loan because I had already been granted a loan modification. Wells Fargo failed to inform me verbally or in writing that acceptance of this loan modification would render me ineligible for future loan modifications, matter of fact they informed me of the opposite. My situation is outlined in letters I have sent to Wells Fargo President/CEO XXXX below.

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 2018-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My bank accounts keep being sent to this address. They are cancelling my card and receiving my replacement cards to this address. One representative told me that he messed up and used one of his emails involving his name. His name is XXXX XXXX. I did not authorize him to use my account or take any initiative involving 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 explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
in XX/XX/XXXX I lost my home with HSBC. I tried since XX/XX/XXXX to do a loan modification with them directly. they made me send in papers and fax over statements. in the end they didn't approve or help me at all. I had to lose my home to short sale at XXXX XXXX XXXX XXXX XXXX fl XXXX. I heard about the HSBC mortgage settlement. I called the number but they can not help me. I already moved to a new home XXXX fl XXXX. I need to know if I am eligible to receive a settlement from HSBC? thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. XXXX  also is reporting this account open when this account has been closed since XX/XX/2017

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 2018-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendUp Loans LLC
State: KS

Complaint narrative:
I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-22 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: CITIBANK, N.A.
State: NV

Complaint narrative:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off 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 2018-04-22 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: MI

Complaint narrative:
XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. Equifax also is reporting this account open when this account has been closed since XX/XX/2017

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 2018-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I just speeded both of this with XXXX as well as TransUnion they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both Transunion and Equifax

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 2018-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Company
State: PA

Complaint narrative:
Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013 XXXX XXXX XXXX will Balance {$210.00} Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013. XXXX XXXX XXXX XXXX {$570.00} I should of never received any medical bills I am on Medicaid and by law theyre not allowed to bill me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an offer from Capital One for 0 % interest and 0 % Transfer fee. However as soon as I transferred the money over to them from. my other credit card they started charging me interest. I was never told this nor did it say anywhere in writing. So When I went and checked my balance they charged me {$3.00} and some change. I was upset over principal of not being told and I took the matter up with a supervisor. The supervisor said nothing she can do to remove the fee. All I can do is just pay of the card to stop it. So I asked her what the balance was on the card and she told me {$2200.00} so I paid {$2200.00} to be safe on XX/XX/XXXX. She told me I would be paid in full. Now a month later XX/XX/XXXX they send my statement and it showed {$4.00} when I called they told me it was {$4.00} so I asked what is the real amount they told me to pay {$4.00} so I again I asked to have it removed since I spoke to their supervisor that told me the payoff balance. They threw it back at me and told me I could have looked it up on their payoff calculator. I told them should I not trust your supervisor. They said yes you should so I said why would I doubt her. So again I asked to have the {$4.00} removed and she said no. So I just paid {$4.00} today XX/XX/XXXX. Capital One stole $ 7and some change from me today. Yes I know it is not a lot but I guarantee if you look into it they are doing it to all their customers and that {$7.00} x millions ads up! I wish to have my money returned and put Capital One on notice in public record what crooks they are. thanks and I look forward to your resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-22 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: KS

Complaint narrative:
I just speeded both of this with Equifax as well as XXXX   they're showing for folio management company that is still as I open collection amount with a XXXX balance I've requested them to remove it because it was paid in full and satisfied now they're telling me that the company responded back saying this company this is a correct amount and it will stay in your credit report if it's paid in full and no longer active it should no longer be reported on my credit to hurt my credit in order to obtain other items cuz it's showing as an open collection or if it shows other clothes collection is still needs to be removed from my collection credit report for both XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXXWells Fargo informed me that my IRA account was levied by Virginia Department of Taxation. This was an illegal levy and was removed within 24 hours. Instead of Wells Fargo placing the {$100.00} back into my IRA account they closed the account? This illegal levy caused one check to bounce and fees was removed from checking account. I contacted Wells Fargo Executive offices and explained what has happened for weeks and was informed that a check in the amount of {$90.00} ( after taxing my {$100.00} ) was mailed to me on XX/XX/XXXX. XX/XX/XXXX I called again explaining that I have not received my refund check and the lady informed me after 2 hours that the check was deposited into a XXXX Account. I have never banked at XXXX, my address was not on the check when I received a copy of the check, Wells Fargo has not contacted me as of today 's date with any explanation on resolving this issue and why was a cashiers check issued instead of direct depositing into any of the Wells Fargo accounts?

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 2018-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I use Wells Fargo bill pay system. I was notified on XX/XX/XXXX that they were sending {$270.00} to the XXXX XXXX paper. I made the error - the amount was to be send to another service. I called the bank and requested they stop payment and was told it was " in process ''. We complained that the funds weren't scheduled to be received until XX/XX/XXXX. Why couldn't they credit my account and stop payment. " Not possible. '' Called and emailed XXXX XXXX. They said I would need a three way conversation scheduled ( bank, paper, and myself ) in order to reverse the funds. I explained repeatedly that the bank isn't involved at this point. Just return the funds to me - they were paid inadvertently and need to refund me. They finally acknowledged the payment on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the payment/refund. Every email exchange states they are looking into it etc. Then on XX/XX/XXXX they said the funds were " in the mail. '' I am really frustrated with both of these businesses.

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 2018-04-22 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: NV

Complaint narrative:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off 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 2018-04-22 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: NV

Complaint narrative:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX  that show I communicated with their representative. 

I need to get this erroneous negative mark off 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 2018-04-22 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Contacted Navient by letter because late payments are on my credit report when my loans were in forbearance.XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017 no response.called them by phone they stated they received info but takes up to 90 days. Waited till XX/XX/XXXX contacted again stated they didn't have my information. Sent letters again XX/XX/XXXX. XX/XX/XXXX still nothing.

Company response to consumer: Closed with explanation