vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The BarclaycardUS has a technical issue with scheduling repeat/auto payments online. On XX/XX/XXXX, I called a customer service agent and she had to schedule repeat payments for me over the phone because I couldn't do it from their desktop app ( didn't work ) and their mobile app doesn't have the feature. I got an email confirmation about the repeat payment being set for the next billing cycle. 

The next due date was on XX/XX/2020. BarclaycardUS didn't  pull the payment as scheduled from my checking account and charged me a late fee. I got on the phone with customer service, and the agent in charge immediately asked me to check with my bank. I asked her why would I need to do that, if I was sure that my bank had the money available and Barclays gave me a confirmation that they would pull the payment, she immediately changed her statement to say, it took two billing cycles for repeat payments to be effective to which I said that I needed to see where that information was posted because that was not my experience with previous Barclays repeat payments I set up myself or any other bank or service I have set up auto payments for, the information wasn't also communicated to me over the phone when I spoke to the agent to set up the repeat payments and it wasn't on the confirmation email, I requested to speak to a manager. The manager admitted there's no such policy, so basically this bank has employees trying to disregard people who need help, going as far as making up lies. The manager offered a {$25.00} credit that was immediately posted to my account, offered to waive the late fee, but it has been now more than 3 business days and it hasn't been waived and told me she would create an IT ticket to request my payment to be made effective. After 4 days of my payment being late, I decided to cancel the automatic payments altogether and make the payment myself manually, because I do not want to risk the bank reporting a late payment that wasn't my fault. I'm not describing the entirety of the conversation I had with the employee who lied to me, because it would take too long, this person lied several times, trying to basically get rid of me, and wouldn't pass me on to a manager immediately, I had to mention it several times. This bank wasted an entire hour of my time, and the situation was not entirely resolved. After all of this, all I got was a {$25.00} credit because the late payment fee hasn't been waived, the automatic payment wasn't pulled, and their website still doesn't work correctly. I had to clear cache and cookies and even after doing that it wouldn't work, the only way I discovered that I could schedule the repeat payments on my own was through incognito mode.

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 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
This complaint is regarding a collection account in the amount of {$95.00} held by Online Information Services XXXX Inc. of XXXX, NC. 
I was never contacted by this company regarding this account. I was made aware of this collections account after a routine review of my credit report. 
I initiated contact with the company by telephone on XX/XX/XXXX in order to gain further information regarding the account. I was unable to gain the necessary information to validate the debt through the phone communication. I verified all of my contact information with the collection company and asked why I had not been contacted regarding this debt prior to it being reported to the credit bureaus. The representative stated that attempts had been made to contact me. I disputed this claim. I stated that due to the nature of my business, my credit standing is of the upmost importance. I explained that my all 3 of my credit scores are in excess of XXXX, and that I have not missed a single payment in over 30 years. I pay my bills. 
At this point, this was the only communication I had regarding this debt from this company or the utility company from which the debt was acquired. 
On XX/XX/XXXX, I sent a request for validation of debt letter to the company via certified mail. Records show that this request was received by the company on XX/XX/XXXX. 
As of this date, XXXX, XXXX, XXXX, I have still received no communication from Online Information Services XXXX XXXX regarding this account. 
Due to the mishandling of this account by Online Information Services , Inc. and the failure to comply with the FDCPA I am requesting that all references to this account be deleted from the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Card Acquisitions Group
State: AZ

Complaint narrative:
Was contacted by XXXX XXXX and some other man named something XXXX, they threatened me with jail time, told me I needed to adjust a payment within the next two hours or authorities will be sent to my house. Me being scared, I immediately set up a payment plan. I later found out that their whole entire process was illegal and that it could not take affect to my credit. They also broke their own contract towards these new payments by refunding me my money in order for me to take my complaint off XXXX. This needs to be removed from my credit score for unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Fedloan Servicing is not following the instructions on how to credit the payments to my student loans. These are beyond the required monthly payments and are extra payments made to pay off the balances early. Despite providing specific instructions in writing and on the physical checks themselves to apply the payment to the highest interest loans, the company took it upon themselves to distribute the payments across the loans as they saw fit, disproportionally towards the lowest interest loans. 
XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest Balance % of total Balance Payment % of total payment XXXX 4.25 % {$430.00} 7 % {$110.00} 23 % XXXX 3.15 % {$2200.00} 34 % {$130.00} 27 % XXXX 3.15 % {$2600.00} 40 % {$160.00} 33 % XXXX 3.61 % {$1200.00} 19 % {$84.00} 17 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$4.00} 1 % XXXX 3.15 % 34 % {$170.00} .00 34 % XXXX 3.15 % 40 % {$210.00} 43 % XXXX 3.61 % 19 % {$100.00} 22 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$140.00} 18 % XXXX 3.15 % 34 % {$220.00} 28 % XXXX 3.15 % 40 % {$280.00} 35 % XXXX 3.61 % 19 % {$140.00} 18 % I have contacted the company multiple times requesting for them to submit the payments as instructed on the checks in the uploaded documents but each payment I submit they disregard the instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Note : the original questions asked to file this complaint have no area to comment : thereby not allowing for complete accuracy in answering these questions. 

Please ad comment boxes Today XX/XX/XXXX had to withdraw my previous complaint filed XX/XX/XXXX d/t missing information and miss spelled wording. This original complaint was taken over the phone. 

subsequently I am refiling this complaint. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To BB & T also known as XXXX/XXXX XXXX/financial institution/mortgage company, XXXXxecutive branch : I am filing a formal complaint against your company and the two companies you sub contracted ; XXXX XXXX XXXX & XXXX XXXX XXXX for consumer harassment, trespassing, breaking and entering, and destruction of property at my Residence XXXX XXXX XXXX in XXXX Maryland, XXXX, on XX/XX/XXXX. 

This is the 4th time I have made BB & T aware that they were not permitted to trespass on my property and you have continued to violate my request. 

This has caused an enormous amount of stress on me, and my father who was at the residence on the day this took place. 

I believe your company is not only breaking the law on numerous counts but attempting to force me into default to illegally obtain my property. 

On this occurrence : date XX/XX/XXXX my father went to the house for repairs and found the doors of my home opened with 3 men inside the home, the basement door lock was busted open. 

I was then also advised by the parties present that you had broken the locks and entered my garage also and drained my pipes in the home. 

I asked for a copy of the original work order on multiple occasions and have still not received it. 

I called the city police department and a report was taken. 

The 3 men from XXXX XXXX XXXX provided a work order number XXXX and stated they were hired by XXXX XXXX XXXX who was hired by BB & T to inspect my home without my consent or knowledge. 

At no point was I ever notified by any of these 3 companies of their intentions. 

At no point were they given permission to trespass on my property, and in fact BB & T and XXXX XXXX XXXX were told on 3 separate occasions they were not permitted on my property due to 3 prior attempts. 

They were told they were not aloud on my property with out prior approval in writing by my self within one week of notice of entry. I spoke with customer service, loss mitigation, and your Chairman hotline in regards to this issue and expect a response immediately. 

I have notified home owner insurance company and the Consumer Protection division of the violation. 


With any due Respect, XXXX XXXX XXXX XXXX all correspondence is requested via email

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 2020-01-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Transaction date : XX/XX/XXXX Posted date : XX/XX/XXXX Amount : {$80.00} XXXX  : Gasoline Credit card company : Chase I went to get gas at XXXX gas station. The gas station said I spent {$80.00}. They charge me {$80.00} for gas which it is impossible to fill my car with {$80.00}. It would over flow. I called the credit card company and they disputed. and took the charge off. then XXXX charged me again for the {$80.00} and I called the credit card company again and now they will not take the charge because they said XXXX   charged again meaning that the charge is correct. 
The charge is NOT correct. They stole my money and the credit card company will not dispute anymore. they over charged me when put gas. extra {$80.00} would over flow with gas. and the credit card company does not get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020, two unauthorized withdrawals were made from my Bank of America checking and savings accounts, totally {$9000.00}, from two branches in Maryland. I called Bank of America within minutes to report the fraud. I have filed police reports and reports with the FTC and submitted all documentation to Bank of America by both fax and certified mail. I have contacted the Bank of America fraud department on seven occasions hoping to have our funds restored. Bank of America has not reached out to me and will not provide a status update regarding the investigation other than to say they plan to take 60 days to investigate. I believe this time frame is in violation of the CFPB 's rules for investigating and restoring funds. I am requesting an immediate response from Bank of America about the status of the investigation into this fraud and immediate restoration of funds.

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 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV I am disputing this alleged account and request a complete copy of a alleged contract with my wet ink signature and how you could of came to this amount that you are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: IN

Complaint narrative:
Ms XXXX and I do not have the greatest history! She was very nasty to me when I called in on XX/XX/XXXX. She is rude and incompetent. Her attitude is poor and she does not have quality customer service. I requested a supervisor and she denied me that right! I hung up and called right back and got Ms XXXX who didnt not address nor care about my concerns and she is supposed to be a supervisor. Yesterday I was able to speak and be routed to Ms XXXX who is an absolute pleasure. I will not speak to anyone at this company unless it is Ms XXXX, as Ms XXXX is rude and I told her I no longer wanted her to contact me. However she contacted me this morning and left a voice mail saying IM GOING TO NEED YOU TO CALL ME BACK. That is not how you conduct business nor is that how you ask for a call back. A more professional way to ask would be to say please return my call when you get a chance. Ms XXXX is not ever to contact me again

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 2020-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2019 I was involved in a car accident that resulted in my car being totaled according to the insurance company. At that point, I had only had the car for 2 months and was making on time auto payments through Wells Fargo. I was rear ended in the State of NJ, which by law automatically puts the other driver at fault, and was confirmed by XXXX. XXXX agreed to pay for what they valued the car at and I opened a case with GAP insurance to cover the remainder. This pay out process took months to rectify and all the while I received no communication or updates from anyone, including Wells Fargo. They continued sending statements but there was no indication of what was actually owed. Between XXXX and XXXX I received non stop calls from Wells Fargo claiming they were attempting to collect a debt and when I spoke with them on the phone in XXXX, they claimed GAP did not submit a payment. It was not until I called and spoke with someone at Wells Fargo on XX/XX/2019 that I was informed GAP did make their payment and I owed {$1400.00}. The woman I spoke with was extremely rude and did not attempt to offer me any suggestions to resolve the issue. When I asked to speak to someone else the only option I was provided was to set up a " payment plan '' that would result in an inquiry on my credit report. I felt this option unacceptable considering this entire ordeal has severely impacted my credit already. I then confirmed that there were no other options, to which the rep said no. I requested to speak to a supervisor and he told me she was " unavailable '' and that I should call back. That was the worst customer service I have ever experienced, and considering I work for a bank I did not leave that call feeling at all like a valued customer.

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 2020-01-24 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: CA

Complaint narrative:
Experian continues to report a bankruptcy that my ex wife filed long after we split. I have disputed this for over a year trying everything under the sun to have them delete the bankruptcy because it doesn't belong to me. I have sent letters telling them it's not my bankruptcy and letters telling them they are not even reporting the full name of the court or the full account number. I have requested Experian to validate this reporting and they continue with verification. I'm including the last 2 letters I've sent them. XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but Equifax and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Alliant Credit Union offers a cash back rewards program. I had saved up {$2100.00} in rewards. I went to redeem it but never received my money. They claim that they have a technical issue and have refused to credit me while they investigate. They simply say it will take them weeks to look into it with no resolution to a loyal customer. I'd highly recommend staying away from doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and TransUnion are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

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 2020-01-24 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: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
There is a One Main XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is attempting to collect a debt that is over 4 years old and should be removed from my credit report. In the state of Texas they have to remove it after 4 years and it has been over that. This company is shady and does illegal things like calling me well before XXXX. They are constantly harassing me for a debt they CAN NOT collect and are damaging my credit and effecting my life.

Company response to consumer: Closed with non-monetary relief