vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called Wells Fargo to close a credit card last fall. I used to have a checking account with them and would periodically sign into my account but have since closed that. I only just discovered through a credit reporting agency, however, that the card was still open and that I was assessed an annual fee in XXXX and then late fees every month thereafter until XXXX. I have not used the card in years, and thought it was closed. I just called to ask if the card had been closed, and in any case if I could be refunded the annual fee and the late fees. I was given a roundabout answer and transferred to a few offices, and none of the representatives I spoke with could clarify what the process for " investigating '' the card 's status would be.

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Dovenmuelle Mortgage requesting to remove the PMI from my mortgage. As instructed by the bank, I Mailed them a check for {$450.00} to have the appraisal done and they chose XXXX XXXX XXXX. On XXXX XXXX, the appraisal was done and it was determined that the house was worth {$630000.00}. When I reviewed the appraisal, I immediately noticed that the appraiser failed to include a house located on my street ( about XXXX houses away ) that is identical to ours in architecture-same interior and exterior layout and square footage ( a XXXX XXXX ) which sold for {$760000.00} on XX/XX/XXXX. It is evident that the appraiser is inexperienced and unfamiliar with the real estate market in my neighborhood ( XXXX XXXX in XXXX XXXX, XXXX, NY m ) ; the appraisal company used by my mortgage company is located in XXXX. 

I decided to contacted XXXX XXXX, the company that sold the property for {$760000.00} on my street and they provided a market comparable analysis on my property and the value came back at {$740000.00}. After numerous failed attempts to speak with a representative from Dovenmuelle Mortgages Research department, I decided to pay for an additional independent appraisal, even though this was not requested by the mortgage company. The appraiser from XXXX XXXX XXXX XXXX XXXX determine that the house was worth {$760000.00}. Furthermore, the appraiser reviewed the appraisal done by XXXX XXXX XXXX and provide a rebuttal letter detailing the mistakes made by this company. I submitted the new appraisal along with the rebuttal letter to my mortgage companys Research department in XX/XX/XXXX and I received a final response from the company a few weeks later stating that the value of my home was {$660000.00}. I called the mortgage company and I spoke with the customer service manager who apologized for all of the inconvenience, but she couldnt help as she was not from the research department. I do not understand when and how it was determined that the value of my house increased to {$660000.00} when a new appraisal was never done by my mortgage company. Was this determination based on the independent appraisal and rebuttal letter that I provided? All I want is for a new appraisal to be done by a company that is familiar with the XXXX XXXX/ XXXX XXXX XXXX , but i have not been able to speak with a representative from my mortgage companys research department who would be able to explain the reasons behind their decision and if my request for a new appraisal can be granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
. I am a XXXX XXXX XXXX widow, living on a state pension. I have been a loyal customer of my local branch of Bank of America since XXXX. I am appealing their denial of my claim XXXX XXXX. 
On XX/XX/XXXX, I allowed use of my computer to a stranger, calling from XXXX.He said he was from XXXX and that I was entitled to a refund, but needed to remove some software. When I got back on my computer, I noticed that he had set up a XXXX transfer of {$2200.00} from my Bank of America checking account to : XXXX XXXX XXXX ; confirmation number XXXX I immediately tried to contact Bank of America, but they have no 24/7 direct line to report fraud, so I had to wait until XXXX XXXX on XX/XX/XXXX to file my claim. The woman I spoke to tried to calm me down and said not to worry, while it was being investigated, I would get a temporary credit within 10 days. 
I went into my local branch and proceeded to open a new checking account and got a temporary new ATM card. 
On Monday, XX/XX/XXXX, I filed fraud alerts with the XXXXhree credit bureaus. 
On XX/XX/XXXX, I went back to my local branch to close the old account. I asked the rep about my fraud claim and she called corporate and learned I had been denied. A letter will be forthcoming. Upon arriving home, I called the fraud line and asked about my credit. A rep named XXXX explained that it was denied because they had sent me a text about the XXXX transfer and received authorization to proceed. I never received a text nor did I approve of it. She said the text was sent at XXXX XXXX on XX/XX/XXXX. 
I then contacted XXXX to see if they could check on any text received on my phone at that time. We were unsuccessful in restoring any texts from that day but their rep XXXX did tell me, I see that here was a message that was received on XX/XX/XXXX at XXXX. It was sent from XXXX. For security & privacy we are unable to view what the message says. If there was an approval sent, it is obvious that my cell phone was spoofed. I am willing to sign a notarized statement swearing that I never signed up or authorized this XXXX payment of {$2200.00}. 
As a customer of 57 years at Bank of America, I am upset that they will not uphold their promise of restoring my funds,, since they were obviously as much a victim of fraud as I was. 
According to their web site, = : Q. Do you get your money back if your bank account is hacked? 
A. Federal law says that if someone takes money from your bank account you will get all of your money back if you notify your financial institution within 60 days after the fraudulent transaction appears on your bank statement

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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Please note this complaint was also filed with the XXXX XXXX  XXXX XXXX. I previously settled a debt in full which was being collected by Messerli Kramer law office. Several days after they were paid in full and received a letter of stipulation, I began receiving repeated phone calls from their office which I did not answer or return. I assumed they had not updated their systems and were continuing to ( illegally ) attempt to collect a settled account. 

On XX/XX/2019 at XXXX XXXX CST I received another call from their office from phone number XXXX and a voicemail message was left. I listened to the message which was from an XXXX XXXX ( spelling? ) who stated in the message that the message was intended for a XXXX LAST NAME REDACTED ( spelling? ) and further stated this is an attempt by a debt collector to collect a debt. A short time later I contacted the office and asked to speak to a supervisor. After a rude individual repeteadly demanded my personal information, which I refused to give, I was connected to a supervisor named XXXX. I communicated the concern to him and he indicated he would update their system to remove my number from the account they were attempting to collect from XXXX ( XXXX ) I have multiple concerns here, one being the disregard for the Fair Debt Collection Practices Act as it relates to the prohibition of third party disclosure as occurred in the voicemail message. Next my concern is the repeated calls. Finally, my concern is for the disclosure of my own information. As someone who previously paid a debt to this agency, I can not help but wonder how many times they called a wrong number and disclosed my name and information to a 3rd party? How many other debtors information has been disclosed to other 3rd parties as well? There appears to be a common practice by this agency which violates the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what regulatory agencies like the XXXX  XXXX XXXX are charged with investigating and addressing. 

Please note that I will be cross-filing this complaint with the Federal regulatory agency as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: TN

Complaint narrative:
Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business 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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase Bank in XXXX where my Parents had their mortgage with and alerted them of elder abuse on my Father before he passed and now my Mother by my Brother and I let them know I have Power Of Attorney for my Mother ans gave them a copy and they in turn updated it to their records. I also let them know My Father had passed away and and showed them and offered a copy of my Fathers death certificate. They took him off the mortgage and called the mortgage now the Estate of XXXX XXXX. I also gave them paperwork of my Father signing approval for me to handle all his financial business with them meaning Chase Bank.They updated his approval application as well. I explained that I filed Probate on behalf of my Father and that my Brother was trying to sale the house from under my mother feet. I gave them a copy of the Probate petition with the case number they kept for their records as well. They allowed something to happen with the house like maybe a refinance or a pay off without informing me before hand and would not tell me what happen and allowed my Mother to sign off the mortgage for pay off without my knowledge. Making it harder to protect my Mother from further financial abuse of real property. The Bank did not use the Mandate reporting duties under the California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is a re-submitted Complaint CFPB Ref No : XXXX We received a letter from American Express, dated XX/XX/2019, ( AmEx Ref : XXXX ) that they could not respond to our complaint because they needed authorization from XXXX to provide information to respond to the complaint. Subsequently, we received an e-mail from the CFPB that the complaint was closed because American Express was not able to provide a response because we had not provided that authorization. That letter directed us to call XXXX, which we did today ( XX/XX/2019 at XXXX Central time ). Unfortunately, after speaking with 3 representatives ( XXXX, XXXX and XXXX ), American Express refused to allow us to provide that authorization. Instead, they directed us back to filing a complaint within American Express, which we had already done. 

For that reason, we are re-lodging our initial complaint for the reasons stated therein. And, we further allege that American Express ' practices in responding to CFPB complaints constitutes an additional violation of consumer financial protection laws in that those practices have the intended and actual effect of presenting consumers from successfully lodging complaints with the CFPB and other regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
i pulled a report on my credit, it showed a collection for XXXX. collecting agent diversified consultant. creditor XXXX XXXX or XXXX not sure which. when speaking to collection i provided my social sec # no account showed up. i asked then why it was in my report i got the runaround saying i needed to call XXXX  for account number. when i asked for the number i got a i dont know answer. i asked for a supervisor he said sure and hung up on me. 
acc opened XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
Settled with asset recovery solutions for XXXX on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
In XXXX I sought legal counsel and hired the XXXX XXXX  XXXX XXXX XXXX after having been served with a Civil Complaint by Harris & Zide. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. My attorney sent a letter to them informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Since substituting in to represent me, my attorney has been in regular contact with Harris & Zide for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 & again on XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. Harris & Zide is now ignoring my attorney and has refused to respond to her. Harris & Zides actions are egregious and should not go unpunished they have a duty to respond to resolve the pending matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
In reviewing my LexisNexis consumer report, I noticed very old information about apartments I've lived at, old addresses from when I was a child, old homes I no longer own and haven't lived at in decades, and I was unable to get any assistance from their representative in getting these items removed. If my credit report can not contain data from before 10 years ago, I don't see why LexisNexis data can contain a lifetime of information about me, especially since some of this is when I was a child and had no consumer data. If they are also bound by the Fair Credit Reporting Act, then I don't understand why old, stale, and inaccurate data can not be removed. 

I ended up freezing my report, which really isn't ideal, but they left me with no choice. The report was 140 pages of data and the majority of it was stale data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One sent me numerous brochures advertising free interest for one year if I signed up for their Platinum card. After receiving the card, I called them to make sure it was 100 % interest free for one year. I was VERY specific when getting confirmation from the rep. However, they still went ahead and charged me interested on my first balance rollover. When I called them, the representative eventually hung up on me. They have the call on file that was very, very specific about the card having no interest during the first 12 months. I would like for the Quality Assurance department to pull that call and listen to it. If I wouldve known they were going to charge interest during those first 12 months, I wouldve never used the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: AL

Complaint narrative:
The ex-wife of my ex-husband of 25 years had a voice mail that she felt she needed to send me and it was a automated message about me and a debt. They did not say who they were in the voicemail. I called them back and told them to never call her again or anyone and that they shouldn't be leaving voice messages not knowing who they are leaving them with. I am not even sure why they are linking me with her. 

I called them to get the name of their company and to find out why they were calling. They only verified me by my caller ID. They didn't ask for any other information before telling me that I had a credit card that needed paid and they could take payment then. It was not the credit card company calling and the debt is from XX/XX/2016. I asked them to send me the information about the said account that I was not claiming it as mine or was paying something I was not sure about. They said they could email it. I gave them my email and got a an email to " opt-in '' which I am not doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: GA

Complaint narrative:
I already have a complaint because a account is showing on my credit report with Eqifax, Who would not remove the account. It has come to my attention that a hard inquiry was placed on my credit report dated XX/XX/2019 for XXXX XXXX that does not belong to me.The complaint number is XXXX with the CFPB. The name may match up but the last four of my social security will easily clear the matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Ive been getting repeated calls and voicemails from this company that do not appear to be for me. I blocked the number but still get voicemails asking for someone else. Im not going to answer or try to speak to these people because it seems like some sort of scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am a long standing holder of this credit card ( since XXXX ) and have always been in good standing ... .never a late payment. On XX/XX/XXXX I paid off my up to date balance in full. In XXXX the company charged interest on my account which is not possible since the account had no balance. Since I was not aware they would violate our agreement this caused me to generate a 30-day late on my credit reports, a considerable drop in credit score and they reduced my credit limit from {$4900.00} to {$300.00}. I contacted them and they removed all of the late fees generated but they have refused to repair my credit and to reinstate my previous full credit limit. I am astounded at their lack of acknowledgement of the trauma and suffering they have put a loyal long-term customer through. I recently had a battle with XXXX that I am so thankful to have won and am working to get out of debt. I finally was able to pay off this card and it has caused me so much trouble. I deeply appreciate the CFPB and if others have had this happen I am happy to be a part of a class action suit.

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