vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX Wells Fargo fraudulently requested back the {$270.00} payment that was made to my insurance company ( XXXX ) on XXXX/XXXX/XXXX, claiming that i disputed the transaction. 
My insurance company ( XXXX ) notified me on XXXX/XXXX/XXXX, and stated that payment has already been issued to Wells Fargo and refunded back to my debit card ( ending in XXXX ). 

Wells Fargo never tried to contact or notify me and never credited my account the {$270.00} that they received back from ( XXXX ). 
Wells Fargo blatantly lied, claiming to have no knowledge of a refund request, dispute or the matter at hand, when i contacted them on XXXX/XXXX/XXXX. 


( attached bank statement shows & proves my current account balance as of today, the original payment made to XXXX on XXXX/XXXX/XXXX, and no credits/refunds issued back to my account between 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 monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08 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: CO

Complaint narrative:
EXPERIAN is reporting the following accounts with incomplete and inaccurate information. 

XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX Reporting the accounts with no DATE of LAST Activity -- -- -- -incomplete Reporting the accounts with worst delinquency as CHARGE off -- -- -inaccurate REPORTINg 90 days late XX/XX/XXXX7 -- -- -- -- -- -inaccuarte REPORTING PAYMENT HISTORY AS XX/XX/XXXX FAILED TO PAY -- -inaccuarte

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 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: ME

Complaint narrative:
This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing me.

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 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX  XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you. 

XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: SC

Complaint narrative:
I am having trouble getting the mortgage servicer to speak with me. The mortgage company is Seterus. I am going through a divorce. My ex-husband is the person who borrowed the money, but I am on the deed and I also signed the mortgage. He moved out and down to Florida ( Im in South Carolina ) in XX/XX/XXXX. He has been court ordered to make the mortgage payments since XX/XX/XXXX, but has not done so. We got help from the hardest hit fund ( SCHELP ) to reinstate the mortgage through XX/XX/XXXX or XX/XX/XXXX, but he did not make any payments after that like he was ordered to do. I was sued for foreclosure in XX/XX/XXXX and I am trying to save my home. I am a XXXX senior citizen, and I do not want to be homeless. 

I have tried to speak with Seterus maybe six times in the last six months or so, and each time the Seterus representative refused to speak with me. I am a part owner of the property, and my name is on the mortgage along with my exs. I want Seterus to speak with me so that I can try to save my home from foreclosure now that my ex has abandoned me.

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 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Late on one payment XX/XX/XXXX made up payment XX/XX/XXXX made extra payment XX/XX/XXXX 7 years after being 2weeks late on one payment now said we owe 4,000 plus on late fees stating we are late every month, not one time 150 plus faxes with proof we never missed payment. It was late once, have copies of money orders they split up to unapplied funds for 2 months. In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXput it were they put payments unapplied. Putting my account behined, I 've never spoke to same person, 7 years of this stress. Ca n't handle anymore now they are raising our mortgage again. Filed for modification 3 times, each time denied. Was told by last case manager that we would be stupid to open up this can of worms, that is what I Was told. Then sends me paperwork of payments and says you 're wrong. Case closed even though the extra payments were there they still deny. They messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
-Applying the wrong amounts to principal and interest. My statements show {$230.00} going to interest and only {$34.00} going to principal. 

-Very high interest rates compared to other federal/private lenders. I have asked many time to have this reduced to a lower amount to make paying off loans easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Miller, Stark, Klein and Associates
State: CA

Complaint narrative:
This number ( XXXX ) XXXX has called me at least 15 times within the last month about a debt my sister has. I told them that I do n't talk to her and to stop calling but they continue to call. I blocked their number but they still call using unknown number. They just recently called me today, X/X/18/, at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a letter from a debt collector for a Cabelas Visa card. I also had a 30-59 day report on my credit bureau report. I have NEVER made a payment on this card past 30 days. I will admit, it has been up to 15 days past due one time, but NEVER 30 days. They told me that since I did n't make my minimum payment when the statement was cut, that was why it was reported on my credit bureau. This is deceptive and unfair and UNTRUE practices. I have NEVER made a payment 30 days late. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Hi there. 

I need documentation showing a time stamp for a transaction I made this morning, but Citibank customer service representatives refuse to provide it, and the timing information does n't appear next to the transaction when I pull it up online. I used my Citi card to pay for two hours at a parking meter - {$4.00} on Monday, XX/XX/XXXX. I got a parking ticket before those two hours expired and need documentation showing the time stamp of the transaction to prove to the city that I should n't have been ticketed. Please help. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am turning to your company for help because I have done everything I feel I possibly can in reference to an account from XXXX XXXX that continuously reports on my credit file. I have disputed with the bureaus directly and also requested information from Midland. The account number listed on that item is XXXX and I have asked for validation on several occasions and they only send me a form letter indicating that the account is showing in dispute. I have attached a copy of the correspondences they have sent numinous times and nothing more. I want to see the pay history it may be past the statue of limitations, the amount is n't familiar and none of this makes sense. Please if you could help me I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Upon the transfer of this mortgage to Rushmore, our escrow was doubled due to an accounting error by Rushmore. We were in the process of disputing this when Rushmore refused to apply any payments towards the mortgage. We stopped paying during dispute but Rushmore was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and Rushmores attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. XXXX and XXXX have both sent in disputes numerous times to Rushmore to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! Rushmore also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on Rushmores part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I transferred funds to my savings because Wellsfargo has a stopped payment to discover card on my checkings. So I moved 2 seperate amounts on Saturday, {$170.00} & {$1.00} to my savings for my bill payment of {$160.00}, the account had already been negative {$4.00} for a account fee of {$5.00}. I was told because it posted on monday then they hit me with an overdraft fee. Called them up and they could only offer me {$8.00} in credit out of the {$35.00} overdraft fee even though on Sunday the account balance was XXXX. XXXX took {$160.00} on monday, they claim overdraft services was used. Even though the money was already there. Customer service had apologized and said that 's all the bank was willing to offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
Contract was cancelled original creditor ( XXXX ) sold the account to a collection agency ( EOS CCA ) which means they also wrote off my debt on their taxes which wrote off my obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XXXX XXXX,2017 I switched my mobile phone service from XXXX to their wholly owned subsidiary XXXX and thus began a nightmare of trying to deal with XXXX. 
Shortly after moving my account I received an email from XXXX acknowledging the move and stating I would owe them {$440.00} On XX/XX/XXXX. I assumed it was just an accounting error and thought nothing more of it but on XX/XX/XXXX, XXXX did, in fact, deduct that money from my account. I tried contacting their " customer service '' XXXX number but was told that I was no longer a XXXX customer so the charges must have come from XXXX. I explained that I was looking at my online bank account & it showed the money was paid to XXXX. I also communicated with the associate that I had never given XXXX permission to take money from my checking account so I questioned the legality of their doing so. 
I received a subsequent email from XXXX indicating I had paid the {$440.00} and would now owe {$42.00} on XX/XX/XXXX. I tried again to communicate with " customer service '' at XXXX. Nothing came of that attempt but further frustration except the associate removed the permission that was noted on my account that they could deduct payments from my checking account. 

Then I started getting notices that I was in arrears on the monthly payments and still no explanation as to what I would have an ongoing monthly obligation to a company I had ceased to do business with in XX/XX/XXXX. 

When, by their records, I had " missed '' three payments, I received a letter from XXXX XXXX XXXX stating they would be pursuing debt collection actions. That letter gave me the option of submitting a denial of the legitimacy of the debt. I provided them with all my documentation of attempt to dispute the account with XXXX 2 letters, copies of emails and a live chat with one of XXXX representative. On XX/XX/XXXX I received a letter from XXXX XXXX indicating the had received and reviewed my documentation and would arrange to cease their collection efforts. I assumed that would be the end of the matter. 

Then last week I received a letter from Receivables Performance Management , LLC stating they would be taking debt collection action on my account on behalf of XXXX. I have taken the time to provide them with my documentation as well. My concern, as you can imagine, is that if RPM, LLC agrees that I legitimately dispute these charges that XXXX will simply send the claim to another of what must be thousands of debt collection agencies in the USA.

Company response to consumer: Closed with explanation