vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PENTAGON FEDERAL CREDIT UNION
State: WV

Complaint narrative:
I bought CD of XXXX XXXX XX/XX/XXXX from PenFed.org to mature XX/XX/XXXX. 
I put all my money after they answered my question ( By Phone ) of penalty if i withdraw earlier will deduct 3 months of interest. 
Knowing the penalty I did not worry till I seriously wants to get some of my money even % 10 and was hit with the decision to deduct around {$53000.00} which equals to % 30 of total interest for the life of the CD ( sent by email ). 
So either I was lied to at time opened the account so they get hold of money or they changed their rule later on.

I do not believe in anyway I signed them to deduct % 30 If we are able to listen to phone conversation at time of opening it should resolve the issue. 

Now my children are going to college and have more expenses I started applying to Banking loans ( XXXX and XXXX XXXX ) because I am not able to use my own or even part of my money!

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 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Friday XX/XX/2020 my cash app account was locked again do to false accusations of suspicious activity that was not committed I simply tried to add money from my bank account to my cash to pay a bill that is due I dont understand why cash app continuously locks my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit collection Services, XXXX XXXX XXXX XXXX, MA XXXX Account was paid and they still proceeded to report account as unpaid to credit bureaus on a Bill that i was not responsible for my Doctor 's office made a mistake and took forever to pay it well they did for the amount of {$540.00} but the next month CCS reported it as unpaid to my Credit when i called CCS they told me the account was closed i want it removed from my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NE

Complaint narrative:
The account is closed already ... but I have been trying to make a payment for a two weeks now but no one will help. They tell me to keep waiting, but everyday my credit is affected negatively due to non payment ...

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received this letter in the mail written by Capital One at XXXX  XXXX XXXX XXXX XXXX, Utah and my replacement card is on hold and when I called the number in the letter and did not have an extension number they hung up.I have no way to make a copy so I will type it here. 
It is dated XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XXXX card Cade no. XXXX Dear XXXX XXXX XXXX We have placed a hold on your Capital One credit card account. It is important that we speak with you as soon as possible to clear up concerns we have around potential fraud. 

Please call today so that we can work to resolve this issue for you. We can be reached at XXXX XXXX XXXX o the number on back of your card anytime seven tdays a week. It you have spoken with us about this, there is no need to call again and you can ignore this letter. 

Sincerely, Capital One customer Fraud Protection. 

When I called this number they asked for an extension which I did not have. 

Therefore I am still without a card. 

I am not paying someone without a bill like this. Could you get me my card. They wrote me and I received this letter but have no communication with them. I do not have a card any longer to call the number on the back and my number was XXXX. This is a number on this letter of a card I never had in my possession. The card was not stolen but lost in the house on the floor and I found it but by that time the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Management Control, Inc.
State: RI

Complaint narrative:
I have received repeated missed calls from this phone number. I was able to call them back but they wouldn't tell me anything yet only give me a name that is similar to mine. They will not tell me what or who the debt is from to verify they are a real company or not. I specified that they need to send me something in the mail because of fraud these days. I am not willing to provide any personal information to someone I do not know what it is in regards to simply for them to tell me it's the correct info and save it to use it. I specified that it is my right by federal law to request that they send me something in the mail because I have not received anything in the mail that I owe I haven't paid and check my credit daily and have no debts in collections. The supervisor refused to cooperate in communicating whether or not they would send communication out to whatever address they have on file and refused to give me any information to prove this was legitimate. I looked up the company which they said was credit management control and the supervisors name was XXXX. I spoke with him twice as I specified that if I do not receive proper assistance according to the Fair Debt Collection Practices Act and that, if necessary I would file a complaint of them not being compliant in providing me with proper information for my safety. I was told to do whatever I felt I needed to do so, here I am. My credit report does not reflect any collections nor do I allow things to get that far as I am employed and so is my husband. I told them this doesn't sound right and they refused assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive reviewed my credit report and happened to come across some information that must be deleted

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 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW Financial would not accept a wire transfer. I mailed in a check ( personal ) which was funded, cleared, and confirmed on their end. They would not release my title for 10 days despite confirmation that my account was paid in full and closed. Their senior loan specialist, XXXX XXXX, stated that was their policy. They are holding an asset of mine, and likely of others, after evidence of funds transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello, we tried to place a credit Freeze online with all 3 credit bureaus, and were able to do so easily with XXXX  and XXXX. Equifax online said the information we provided online did not match and to call their XXXX number, although this was the same exact information we provided to the other two companies. We then called the number, they verified our information and told us we had to send in two different forms of ID via fax or mail and then 5 - 7 business days later they would respond. We explained the urgency in freezing our credit due to personal information already being compromised and that time was of the essence. They verified all of the information we provided and said that they still could not help us. I explained that there is something wrong with their system as we verified all of the same information as we did with them online, and the online system said it did not match. They advised there was nothing they could do to help which placed an unnecessary burden on us, and jeopardized criminals using the information while their flawed system/technical difficulties was requiring us to provide additional information and then wait 5 - 7 business days. This is unacceptable service and I would like to file a formal complaint. Thank you very much for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
Attempts to contact Discover Student loans took place on XX/XX/XXXX, XXXX, and XX/XX/XXXX. My concern is that the company is ignoring me without any concern for my personal consequence as a result of their error. Those consequences are accrued interest on principal paid, bank fees ( 2 )  due to Discovers unauthorized withdraw from my account totaling {$58.00}, and personal distress as it has been over a month without resolution to this problem. It is unacceptable that a giant company such as Discover can treat me this way after profiting so much from me. 

On XX/XX/XXXX a student loan payment was made directly from a bank account. The website which is suppose to reflect the payment immediately reflected an incorrect and less than authorized amount. 

An additional payment was scheduled within the same week taking into account the reduced prior payment as acknowledged by Discover. Days later the original payment for the full amount requested not the reduced amount listed on Discovers website posted to my account. This caused the second payment made later in the week to be short and incur the fees mentioned above. These payments were intended to pay the loans in full. " Coincidentally '' this issue has never occurred prior to my first attempt to pay these loans in full. 

Each time I called Discover to resolve this issue I was assured of full consideration and a return phone call. On XX/XX/XXXX the only progress that had been made was the payment scheduled on XX/XX/XXXX was applied to the loan " correctly ''. I was also told that none of my other concerns as a result of this incident had been addressed at all. I have still not received a phone call from Discover to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
ON XX/XX/2020 I get a email from Citibank in which it said they blocked my checking and savings account out of nowhere and didnt give me any valid reason for the restriction. Said to call a fraud prevention number, and i did, they kept giving me the run around and making me wait on long holds only to tell me they cant give me any info other than that they will be holding my funds and wont be sending me a check with my funds until 60 whole days. I have had no issues in the past with this bank and i've always banked responsibly and never mishandled a account. I go inside the branches and they repeat the samething. So because they say so, i am forced to not have access to MY FUNDS, out of nowhere, for an entire 60days? i have up to {$7000.00} in funds, combining my checking and savings accounts. I have a life to continue, this is making everything 10xs worse and overwhelming as i have a mortgage, family and more, much more bills than most. THIS IS ABSOLUTELY DISGUSTING AND UNFAIR BANK PRACTICING. I WILL BEGIN A LENGTHY LITIGATION IMMEDIATELY AFTER THE NEXT 7DAYS IF THEY DON'T RESOLVE THIS IN MY FAVOR OF RELEASING MY 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 explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: CA

Complaint narrative:
I am within the grace period for paying on the Lending Club account which due was XX/XX/XXXX. They started calling my cellphone on XX/XX/XXXX and now my employer everyday since XX/XX/XXXX. I informed them on XX/XX/XXXX that my employer does not want my personal calls coming to the office number of XXXX. Do cease calling this number. They have called the office every day as late as XXXX XXXX  on XX/XX/XXXX. They said, they would remove the number from their list but they haven't. They have my cellphone number to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to open my Bank of America Adv Plus Banking Checking account online with the promotion code XXXX, which requires " set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within ninety ( 90 ) days of account opening '' to receive {$300.00} bonus. My application didn't go through, and I was told to go to a branch to open the account in person. 
So I went to Bank of America Financial Center at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The banker there, whose name is XXXX XXXX <XXXX> opened the account for me, and told me that would receive my {$300.00} bonus after my I have the direct deposit requirement satisfied. 
So in XXXX and XXXX, I made Direct Deposits totalling more than {$4000.00} to that checking account. In XXXX, I went back to check with the branch, I met with XXXX and the branch manager XXXX XXXX <XXXX>, but they told me that my account must be opened for 120 days before receiving the bonus and I just need to wait for the bonus. 
So I waited until XXXX and still didn't receive the bonus, so I came back and checked with XXXX again only to be told that she would tell her manager about this and I should be receiving my bonus soon. 
In XXXX, I still didn't receive my bonus so I came back again, this time I got to know that the manager had been transferred to another branch. XXXX told me that she was filing a case ( case # XXXX ) so that I can receive the bonus. She told me to call in to check the status and I should be receiving the bonus soon. About a month later I still didn't receive my bonus so I called in and the representative on the phone told me my case hadn't been resolved and she would escalate my case. 
Today ( XX/XX/XXXX ), I called in again only to know that my case was rejected, and the rep told me the onlything he could do is to escalate the case again, and told me to check back with the branch manager where I opened my checking account. 
In summary, I opened the account because the banker XXXX told me that I would receive the bonus, which I never got, although I already had to go through several loops, went to the banks several times and wasting numerous hours talking to multiple Bank of America representatives.

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 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
At the beginning of XX/XX/XXXX, I went to purchase a vehicle and found out during the process that Choice Recovery reported an alleged outstanding debt of {$190.00} owed to XXXX XXXX XXXX   at XXXX XXXX XXXX, XXXX, FL XXXX for services rendered back in XX/XX/XXXX. 

I reached out to XXXX XXXX, who referred me over to their third party billing company. When speaking with that billing company they repeatedly tried taking the payment and never stated that this account was in collections or even read the FDCPA collection language. 

I then contacted Choice Recovery, who stated they sent multiple letters and made multiple phone calls. The address & phone number they had on file were obsolete as I had moved and had a new cell phone provider with a new number. They refused to remove the item from collections, but proceed to try and collect the alleged amount owed. They stated they verified the debt. However, I never received the chance to dispute this alleged debt before it was reported to the credit companies.Which is another FDCPA violation. 

To date, they have failed to provide me with the opportunity to start this process over and provide the required notices per the FDCPA. 

I am happy to discuss this matter futher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I contacted Fay Servicing on today and spoke with XXXX. She stated that a Deed-in-lieu was offered in XXXX. I advised her that I did not want to lose my home. I asked XXXX, where were they in the modification process because Fay Servicing had given a letter with a deadline of XX/XX/2020 to get documentation in to them. It was submitted on XX/XX/XXXX but I'm on a foreclosure list for this week. I asked how did they make a decision that quickly to send my home into foreclosure because I was on the list for this week. She transferred me to XXXX, Account Manager but there was no answer. I left my name and number for her to give me a call back. I have not received a foreclosure letter from the attorney, State of Tennessee require the homeowner is to receive a 30 day notice prior to a property foreclosure sale being set. The foreclosure sale date is set XX/XX/2020, I understand it is a mismeandor when the notice is given. Fay Servicing has been hard to work with and has refused to assist me with mortgage assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX Portfolio Recovery and I made arrangements to pay off this account and they would delete it from my credit. I have a letter they sent me. On XXXX XXXX XXXX XXXX sent a check to Portfolio Recovery was sent the full amount I negotiated with them. Although the check was mailed, they argued they had not received the check. I confirmed with the title company, and they confirmed the address they used for mailing the check was correct. Portfolio Recovery confirmed with the title company that they had received the check, but they were telling me they hadn't received it. The title company had to place a stop payment on it, and overnight them a new check on XXXX. Portfolio Recovery then sent a letter dated XXXX that my payment had been received and that the account would be deleted from my credit report within 30 days. The account was deleted from XXXX  and XXXX  but not from XXXX  because Portfolio Recovery refused to confirm that the check issued by the title company had cleared. My credit report dated XX/XX/XXXX still shows this account. Portfolio Recovery refused to uphold their end of the agreement, and due to that, I can not buy a home at this time. My lender can not qualify me with this collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation