vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch

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 2017-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. 

The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. 
Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. 
I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. 
When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. 
They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Park View Credit
State: TX

Complaint narrative:
XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This alledged debt was paid by my insurance first. Second, I never received information on such owed debt. Third, this is a violation of my HIPAA rights as I said before because there is no reason my diagnosis and what test was done should be of any concern to this Collection agency. Fourth, this was added to my credit report w/o first contacting me. I 'm very tired and feed up with this collection agency for a {$270.00} alledged debt. So it will cost them more. Because I will be filing this with my attorney, due to the information that is on the form. Which includes my social, diagnosis and test that was done. My diagnosis is noone 's concern. ONLY the person who was caring for me at the time and it was not a Collection agency. What if I had a relative working for this company and they saw my diagnosis? I would be furious. And I still do n't know who else seen my diagnosis. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am following up on a previous dispute. That concluded today. After I got all the information to validate this account, I called Portfolio Recovery Associates at and spoke with a representative name XXXX if I recall correctly. She was extremely rude. I called to ask her what were my options for a pay for deletion. She told me that she could not collect on this debt by accepting payment from me. She rudely continued to ask me about if I disputed my account and why did I say it was n't mine. I tried to calmly explain to her that I had sent a complaint via the CFPB but that had been resolved as of XXXX/XXXX/XXXX. She could n't even hear me because she was so busy talking over me. 
This is a formal complaint of how rude Portfolio Recovery Associates are and there unwillingness to take my payment. Her words where she could not accept payment from me. Since all calls are recorded and monitored, I am sure that you can listen to the calls and validate that the information I am providing is accurate and correct. 

If you need to contact me the best way is via XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Talked to XXXX XXXX/XXXX/XXXX Customer Service XXXX Spent XXXX hours at Branch at XXXX XXXX, XXXX NH XX/XX/XXXX, spoke to XXXX XXXX, Branch XXXX. He wrote the letter attached, and faxed all pertinent information to the mortgage department onXX/XX/XXXX Talked to XXXX, XXXX XXXX XXXX phone # XXXX on XX/XX/XXXXTalked to XXXX, XXXX Consumer XXXX, phone XXXX on XX/XX/XXXX Talked to XXXX XXXX, XXXX, phone XXXX on XX/XX/XXXX and again on XX/XX/XXXX when she conveniently passed the responsibility to XXXX of the XXXX XXXX, who is on vacation. 

I am the personal representative of my mother 's estate. I have a purchase and sales agreement for the sale of her house. The document in question dated XX/XX/XXXXwhich I have attached was paid in full in XX/XX/XXXX when Citizens Bank assigned the loan to XXXX Mortgage and did not discharge the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX North American Credit Services for validation of debt and HIPPA authorization. 

I requested that North American Credit Services provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

North American Credit Services have not complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I noticed my balance had not been reflected correctly on my XXXX report in regards to my Wells Fargo Dealer Services loan. The balance was reported on XX/XX/XXXX as {$8200.00} which was my previous balance in XXXX, not the current balance which was supposed to be reported for XXXX. My balance as of XX/XX/XXXX ( XX/XX/XXXX days prior to my payment due date ) was {$8100.00}. I called WFDS customer service to inquire as to why it had not been updated as I thought it was not updated at all. She told me that they had already submitted it, then I realized after speaking with a XXXX rep that they are reporting the balance incorrectly, but WFDS will not make any changes. They are very stubborn about this situation.

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 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a Student Loan in place and at the time I left XXXX XXXX University, I received a notification from FedLoan servicng, that I needed to start paying my student loan back. This notification came to my permanent home address at XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX, which FedLOan serving had on file approximately 90-120 days after leaving school. 

This was the first notification I received from FedLoan that my account was now due and I needed to set up payment. I immediately responded and made payment arrangements. 
I noticed that they had reported to the Credit Agencies that I was 90 days late. When I called FedLoan Servicing to inquire about the 90 days late, and I had just received my payment notification by mail, they told me that the initial notice of payment went to my XXXX XXXX  University student email, even though they had my permanent mailing address. I of course no longer had access to my student email as I was out of school and so did not receive a notice to begin paying loan. 
I told them for something this important, the first payment due notice should have been mailed to my home address, just as the 90 day notice was. Fedloan acknowledged that they did not send me a bill to my home address. I asked that becasue I never received a bill, I should not have been reported to the credit bureau as delinquent and asked that they remove or correct this with the credit agencies. They told me they do n't do that and I should have known it was due. 
I sent a letter with the same request and also contacted and challenged all 3 credit agencies that I never received an initial bill until 90 days past due. They sent letters to Fedloan but I am sure Fedloan responded that they emailed me. Therefore the 90 day delinquent is on my credit reports and damaging my credit and costing me money in higher interest rates. 
Summary : Since I did not receive an initial bill in the mail, which Fedloan had and chose not to use, I need the 90 day delinquency on all 3 loans taken off my 3 credit reports. It shows as three loans as disbursement was by semester, when it is actually one student loan. I have in fact, already paid about {$7000.00} back already and will pay the loan off. It is not reasonable or right to consider the loan 90 days old when initial repayment due was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.

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 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line 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 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received an attempt to take me to court by XXXX XXXX but I do not know if the account is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
On XXXX XXXX, XXXX I spoke with a XXXX customer service rep as to why my report had not been updated with Equifax since XXXX for XXXX 's reporting. She double checked with their reporting department and said that they did submit the reporting to the credit bureaus already in XXXX ( but did not have a specific date to tell me when and was unwilling to go ask that department any further questions ) and said I had to contact the credit bureaus directly to find out why they have not been updated. XXXX XXXX, XXXX I spoke to an Equifax phone rep with the employee ID : XXXX who clearly told me multiple times that XXXX has not in fact submitted any update in XXXX or XXXX yet to report for XXXX. XXXX is being willfully non-compliant and completely unhelpful to resolve this issue as I take the accurate reporting of my credit seriously and require it to be kept up to date as the laws require.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
discover personal loans ref # XXXX on XXXX XXXX XXXX, I spoke with Discover loans who said I was eligible for a XXXX dollar loan based on my report and credit score. I had to upload my tax returns and schedule E. I was contacted by one of their team members XXXX shortly after i Uploaded the documents to say they could n't read them properly and they asked me to resend them. via their uploading system so they could 'hurry up and get the loan processed ' They then called me back and asked for XXXX XXXX, I uploaded this to them again and spoke with XXXX in their call center in XXXX XXXX she said she would make sure it got over to the relevant processing department, they were finally going to get the loan processed within 48 hours. 48 hours passed. I heard nothing. I emailed them. I heard nothing. I emailed them again. I have enclosed a copy of the email chain i sent them. 
Today I receive a letter from them dated XXXX XXXX! the actual day that I was speaking to XXXX, they went onto the credit bureaus and could n't process the loan! They did this BEFORE i had been approved, they had already approved my loan, they just wanted to verify my income! hence that was why i was emailing and uploading the documents. They have also given me a credit card increase and I have perfect credit! does this company even know what they are doing?????!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express enticed me to open an account and charge over {$1000.00} that I would otherwise have put on a card that earns points by promising me XXXX sky miles they did not deliver. I had accepted my daughters invitation to open an account. Her account was credited XXXX sky miles when I opened a new account and the offer ( which I have in writing ) was that I would be credited XXXX miles if I charged $ XXXX within three months. I charged a little more than that amount, but when I called to inquire whether I could use my miles I was told the offer was not valid because I had a previous account ( one I had closed 6 years ago ). Nowhere on the papers I was sent does it say that or I WOULD NOT HAVE CHARGED THE $ XXXX. I asked to speak with a supervisor and was told that nothing could be done. I want the XXXX miles they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDYK MORTGAGE CORPORATION
State: NM

Complaint narrative:
Yesterday XXXX XXXX, XXXX, I advised XXXX XXXX our agent with VanDyk Mortgage that I wanted to change lenders because issues after issues have arose during the closing process and the sellers became frustrated with the lender. XXXX XXXX told my real estate broker, XXXX XXXX that he would speak with is boss about the situation. 

Today XXXX XXXX, XXXX my broker called XXXX XXXX and XXXX XXXX told my broker to call his boss XXXX XXXX. My broker advised XXXX that I XXXX XXXX ( the borrower ) would like to transfer to another mortgage company and that I want our file sent to us via email so that we then can forward OUR legal information to the new lender. ( which was the same initial request that I requested from XXXX XXXX ) XXXX XXXX proceeded to argue with my broker stating " You want us to do a courtesy? '' and, " I 'm not bound by any agreement to release any information given to us by the borrower back to them or anybody. '' As well as, " The borrowers have the originals they can resubmit them to the new lender. '' After my broker stressed that getting the paperwork together again would take time and may be a problem that we need the bulk file of all the paperwork we 've submitted to VanDyk Mortgage, XXXX continued to argue with the my broker at which time my broker ended the call. 

I figured it is illegal for a company to refuse to release any legal documents that are mine back to me.

Company response to consumer: Closed with non-monetary relief