vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I paid my bill by check on XXXX. Payment was credited once on my statement, but debited electronically from my checking account twice ( XXXX ). On XXXX, my checking account was credited XXXX. That would have been the end of it, but then XXXX presented the actual paper check on XXXX. Repeated calls to XXXX to check my transactions were met with " we do not show a transaction for XXXX at all on XXXX. '' I spent many hours with XXXX bank trying to straighten out what appeared to be their error. Corporate XXXX was of little assistance, as they gave little or no details, just kept saying I had to straighten it out with the merchant. Once my local bankers explained how payments are processed ( electronically vs. paper ), I could see it was XXXX that was the problem. Each time I call Comenity I get a different person. On XXXX XXXX XXXX XXXX told me to have XXXX fax over supporting documents and request that my account be credited for XXXX. I immediately had that accomplished, and heard nothing. One document that XXXX provided showed the two debits to my account on XXXX and two credits the same day. The second credit did not go through, as indicated by an icon next to it. XXXX XXXX XXXX on XXXX said that XXXX was requesting " unedited '' bank statements. Her comment was " What do they need that for, this is cut and dried. We owe you XXXX. '' She said that with the weekend and the XXXX holiday, it might take until XXXX to get it fixed. Today, XXXX, I get 2 envelopes from XXXX, both containing the exact same letter requesting unedited bank statements. Is n't that odd? They duplicated the letters just like they duplicated taking money out of my account! I called XXXX again at XXXX XXXX. I believe it was XXXX this time. After explaining the whole saga again, he said this was above his level, please hold for a supervisor. After several minutes, he came on again to let me know he was n't ignoring me, just waiting for a supervisor to pick up. Back on hold for a minute and then the call was cut off. I do n't know if XXXX was hacked, but them sending my paper check through 5 weeks after receiving it seems scammy. I have been exceedingly patient up until this point, but have spent WAY too many hours of my precious personal time taking care of and being upset by their incompetence, let alone being lied to. I was fortunate enough to have had a buffer in my account or this would be worse. I now need that buffer money to pay bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I attempted to take advantage of an offer by XXXX XXXX, XXXX. at XXXX XXXX on XXXX XXXX, 2018. The offer was to open a checking account online and receive a {$150.00} bonus after using the associated debit card a certain number of times. 
In looking at the accounts there are hyperlinks under each account. I clicked on each hyperlink and none of them worked - I wanted to know the rates of each account. I was able to call and obtain the rates. 
I then filled out all of my personal information on the " Step 1 : Getting started '' page of their site after I clicked on " Apply now ''. Once done ( SSN, Name, Address, DOB, and DL information ) another page " Step 2 : Personal information '' came up and stated in red letters " We 're sorry. Thank you for your interest in opening an account with XXXX XXXX, XXXX. Unfortunately, you ( not your ) response do not match our records. Please feel free to contact us at XXXX. 
I contacted them and spoke with representative named " XXXX ''. He said " oh, you must have entered something that our computer did n't like ''. What does that mean!? He could not help me further and I said " is that your final answer as I am going to contact the CFPB. He could not help me any more to open an account. I want to know why my account could not be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On the Bank of America website, specifically related to their Cash Back Rewards program, they have misleading information, stating an illustrative example of calculating annual cash back which is not actually possible through the program 's stipulations. They show an example of getting {$24.00} a month in cash back by spending {$1400.00} in a month in various categories. They go on to say that you would be able to get {$290.00} annually ( $ XXXX times 12 months ) in cash back in their example. However, their program only allows {$2500.00} of qualifying purchases per quarter, so their example would have you spending {$4300.00} quarterly ( {$1400.00} x3 ) to achieve the results, but the program only allows {$2500.00} quarterly so a large share of your spend would be disallowed for the rewards. This is very deceptive. It is actually possible to get {$300.00} cash back annually but only by using their card strictly on gas alone. This is not made clear in the outline of their advertisement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My name is XXXX XXXX and unfortunately I was brought into a conspiracy by the U.S. Government. I was wrongfully XXXX for 7 years in XXXX. Before I turned myself in eight months later I was receiving SSI for my XXXX of a XXXX XXXX/XXXX XXXX  was in paired. I suffered a overwhelming hardship and need money to fight my case. LEGALLY SSI IS CONSIDERED EXEMPT MONEY AND CAN NOT BE GARNISHED FROM MY ACCOUNT. i WAS NOT ABLE TO GET THE MONEY BECAUSE THE CHILD SUPPORT AND WELLS FARGO SEIZED OVER {$20.00} FROM MY BANK ACCOUNT. INAPPROPRIATE GARNISHMENTS RESULTED IN A FINANCIAL HARDSHIP FOR ME AND MY FAMILY ARE CONTRARY TO LAW. SUPPLEMENTAL SECURITY INCOME BENEFITS UNAUTHORIZED UNDER TITLE XVI OF THE ACT ARE EXEMPT FROM CHILD SUPPORT GARNISHMENT AND INCOME WITHHOLDING. WELLS FARGO DID NOT PROTECT MY ACCOUNT OR MY MONEY. ALL OF THE MONEY GARNISHED BY CHILD SUPPORT SHOULD BE REIMBURSED BACK INTO MY BANK ACCOUNT WITH INTEREST. WELLS FARGO SHOULD BE HELD ACCOUNTABLE AND TRANSPARENT. FINANCIAL HARDSHIP! MENTAL HARDSHIP! EMOTIONAL  HARDSHIP. I NEED HELP! 
On XX/XX/XXXX2011, the department of the treasury, in conjunction with other federal agencies, issued an interim final rule, regarding the garnishment of accounts containing federal benefit payments. In light of this rule, the federal office of child support ( XXXX ) is emphasizing our policy related to garnishing federal benefits, especially those related to ( SSI ) income benefits. We urge state and Tribe child support agencies to implement automated and manual safeguards to ensure that SSI benefits are not garnished. 
The social security act ( the act ) permits garnishment of child support directly from the federal payor of " monies payable to an individual which are considered to be based upon remuneration for employment ''. See section 459 ( h ) ( 1 ) of the act. In nearly all states, if the state is unaware that a noncustodial is receiving SSI and the funds in the bank account are frozen, the state has procedures in  place to quickly release the funds back to noncustodial parent, the rule goes on to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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:
My complaint is against the credit agencies, XXXX, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 
6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account. 
8. Proof that you are licensed to collect in my state. 

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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:
My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: PA

Complaint narrative:
In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to  validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NC

Complaint narrative:
A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.

Company response to consumer: Closed with explanation