vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
This was disputed twice recently deleted from my credit and now it's bank showing from a different debt collectors agency this needs to be removed please I've tried contacting this company to dispute it is difficult to contact office and staff was extremely rude vague and dismissive I was cursed at a few times and hung up on multiple times this is effecting my credit I am a single mother struggling to fix my credit to buy a home I really need this to be made right and go away it's been a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was charged a bogus late fee due to Bank of America 's error. 

I have had this account since XX/XX/2013 and had autopay enabled to pay balance in full every cycle. After a few years of inactivity, I started using the card again. However, at some point BoA had unenrolled me in autopay without my consent, and I was charged a late fee ( of {$25.00} on XX/XX/XXXX ) before I noticed this. 

I have tried to contact BoA to have them solve the issue, but I have faced excessively long queue times every time I call.

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 2019-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX XXXX  made us aware our escrow was increased. We were given the option to pay it in full or increase our monthly payment. We paid the increase of {$290.00} in full on XX/XX/2019 before the deadline. We then continued to pay our monthly mortgage payment on time each month. The mortgage company is now saying that our mortgage is past due. They failed to apply the escrow payment appropriately. The payments made since then are being placed in a suspense account because they are for the regular amount without the increase. We notified the mortgage company of the error but they have not corrected the problem. They have acknowledged receipt of all payments but have not credited payment to the mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have no idea what this is pertaining to I have never received notification both company babes listed on credit report seqouia financial services and 10 city of XXXXXXXX no one answers phone calls or returns messages I've recently attempted to remove from credit no response and no form of communication from them I have no idea what these two debt collectors are for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company has no legal authority to collect this account. They have made an illegal entry and gained access to my credit report for money that is not due and paid in full, months ago to the principal account holder. This amounts to an attempt to illegally collect money that is not due. I call that extortion. This company has no assignment of claim and therefore no standing to collect anything. This company has gained access to my credit report under fraudulent pretext. I have a 'credit alert '' system in place and on XX/XX/2019, I was advised of this illegal action by that alert system. The company has made no effort to contact me over this so I wrote them a letter, as this is the weekend. A few months ago I filed a complaint with this agency over this issue and XXXX. Since then I have discovered a pattern of deception by XXXX and now this company has gotten involved. 

Convergent Outsourci XXXX XXXX XXXX XXXX XXXX, WA 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 2019-12-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: CA

Complaint narrative:
I have recently started to educate myself on credit and trying to work on my own i have disputed my school loans a couple of times as my community colleges I've attended have have both officially closed all locations XXXX college and XXXX XXXX XXXX XXXX for financial aid fraud both school took advantage of my lack of knowledge with financial aid responsibilities both school submitted applications on behalf I tried attempting to pay loans and just never was able to get a job in my field to pay back loans and with no help like promised from XXXX with job placement or no school locations to take refresher classes like mentioned at time of enrollment made it even harder I've recently tried to contact debt collector to start payment plan options since my disputes did not work I have no contact info or have yet to receive any letters or phone calls that the loans are now reflecting this status in my credit report Payment Info Status : " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' and does not provide a number or website to contact to dispute ive made a login to federal student loan and have called the number provided rep states they no longer have my collections debt she gave an explanation but I have no idea what that means I feel these should be removed its reflecting horrible on my credit they have neglected to contact me to collect debt or notify me of debt since it had changed collections agency or company in charge of collecting debt I don't know please delete from my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
I have made my monthly payment well ahead of schedule and have also made extra payments towards the principal of my loan. Westar Mortgage has incorrectly processed several of these payments and ends up grouping them as " Unapplied Balance ''. I always put the information required in the payment memos to determine if the payment is for " monthly payment '' or to " apply to principal '' per their website 's instructions. I have called several times about this problem and I am assured on the phone every time that the problem is going to be fixed and I don't need to have any further actions. Because Westar Mortgage is not applying my payments properly it is causing me to incur extra interest and late fees that I should not be required to pay. 

I now have over {$2000.00} that they are calling unapplied balance and Westar Mortgage is sending me letters saying that I have missed payments and that they are going to turn over my information to the credit bureaus as well as keep charging me late fees. 

I feel this is unacceptable and need it to be known that Westar Mortgage is not servicing my FHA loan in a professional and logical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Applied for a auto loan receive Ann inquiry 3 separate occasions Never received an adverse action letter Which is highly against the law Obviously XXXX XXXX needs to revisit the law books

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) had seen me for something a few years ago, at the point in time I had medical insurance and still have the same insurance. The Thomas Agency Inc opened an account on XX/XX/2018 in the amount of {$280.00}. 
For about the past 6 months I've been trying to get this debt resolved, my insurance company informed me that I needed to get an original copy of the bill. I contacted XXXX, I spoke with a supervisor there about needing an original copy of the bill being sent to my insurance copy due the the collection agency not being able to do so, I was told that a copy of the original bill was sent to the insurance company. It's been several months since the bill was supposed to be sent and I've yet to see the debt be resolved and the agency has stated that they're not aware of any payment being made. At this point I'm not sure who the fault should be in the hands of because both XXXX and the debt collectors are aware of my insurance company agreeing to pay the medical bill as I did have insurance on the date of service. My insurance company has informed me that the original bill was never received.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I reported three of the transactions as fraud on XX/XX/2019 - XX/XX/2019 XXXX XXXX - {$200.00} XX/XX/2019 - XXXX XXXX XXXX - {$150.00} XX/XX/2019 - XXXX - {$260.00} In fact I was also told on XX/XX/2019 by barclays customer service to send a letter regarding XXXX XXXX and XXXX and state in the letter that these are fraudulent transactions, which I sent by first class mail. 

In the last month of XX/XX/XXXX and XX/XX/2019 I did a lots of transactions with this Barclays Card and gave a lot of business to this credit card and this is what I am getting in return. 

I called today at XXXX XXXX XXXX  time at XXXX to know the status of my fraudulent claims, an American white guy picked up the phone - full of attitude, when I asked him about the status of the claim, this XXXX guy shouted on me and said it can take up to a month, I asked him if you have received my letters sent by first class mail, to which he asked me to place me on hold, and he placed me on hold forever which is continuously saying " Our relationship manager will be right with you ''. 

I made a huge mistake that i started using this card as I did not expect this third class service from this credit card. I will never use this credit card 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 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: FL

Complaint narrative:
US DEPT OF EDXXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX XXXX. 

I checked out using PayPal. It turns out that this website is no longer live. In fact, the PayPal payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX : https : XXXX I am saddened that both XXXX and PayPal have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on PayPal and XXXX for being foolish enough to allow consumers to be defrauded by a XXXX scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX Shopping. 

I checked out using XXXX. It turns out that this website is no longer live. In fact, the XXXX   payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am saddened that both Discover and XXXX  have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on XXXX  and Discover for being foolish enough to allow consumers to be defrauded by a XXXX scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
been a customer of BofA for many years. XX/XX/XXXX of this year I logged in to use onlne bill pay and noticed that my account and my son 's were overdrawn by almost {$1.00} XXXX, of course I laughed thinking it had to be some kind of a computer mistake, I called the branch and was told BofA is closing accounts without giving a reason. I got that department phone number & called and was told that they have the right to close any account they wish to. I have been a customer of theirs for many years, my children accounts are linked to my account too, we have checking, savings & HELOC accounts with them, these are personal accounts, we all have direct deposit checks, we don't do any cash transactions & are not in any illegal type of industry such as dispensary or such and so every single debit & credit is accounted for. They kept my business accounts open but closed the whole family personal accounts without giving an explanation for their decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
US DEPT OF ED/XXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details XXXX XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continues to place holds on my funds and fails to have customer service in place to remove the holds they cause. 

1. XX/XX/2019, BOA placed hold on my debit card on business checking acct, card ending XXXX. 

2. BOA notified me by text. 

3. I called phone number in text. Provided options of 40 minute hold or call back. I request call back. 

4. Call back came but I was already asleep. I rejected call. Three more callbacks came, waking me four times. I had to shut off my phone. 

5. Today I called again. Again, a lengthy wait or callback. I chose callback. 

6. Upon callback I verified all recent transactions and was told block had already been removed but he would place notes verifying all transactions. 

7. I attempted to withdraw XXXX dollars from non BOA ATM, was declined, causing new block. 

8. I attempted to withdraw XXXX from same ATM, said error. 

9. I walked to BOA ATM, attempted to pull XXXX, received message about hold placed, asking me to call. 

10. I called again, options 40 minute hold or callback. Opted for callback. 

11. This caused nearly 2 hour delay in getting home. 

12. Callback came, agent said is no hold. 

13. I said would walk to BOA atm while on phone with her. While on phone, declined again due to block. 

14. BOA agent said would send me text, but it never arrived. 

15. She said would call me back right away. 

16. 10 mins. Later no call back. I schedule XXXX home. This caused to me be out on cold and get a headache. 

17. She calls and asks if I want her to check acct. I said yes and after that I want to speak with supervisor. 

18. She placed me on hold for nearly an hour. Currently on hold still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: POPULAR BANK
State: FL

Complaint narrative:
A court order directed XXXX XXXX, to transfer funds in my mother 's name to an estate account after her passing. 

Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/2019 Atm Withdrawal Without Charge 1 {$140.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Atm Fee-bal Inq At Other Network {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$310.00} these fees and transactions are not mine XXXX 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 non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Dear Sir/Ma'am My name is XXXX XXXX , I am writing to report wrong balance statements on my HomeDepot Consumer Credit Card which I have tried in vain to resolve the issue with Home depot Credit Card company . As you would like to know, after getting the wrong balance statement, I call the Homedepot Credit card company trying to resolve this issue but they keep running around with no one solving it. First, I talked to  XXXX of their representatives that resides in the XXXX and the lady ended up telling me that I should not have paid more than the actual minimum payments that are in the amount of {$47.00} per month-I am paying $ XXXX monthly in order to pay it off early. Before XX/XX/XXXX, the balance on my Homedepot credit card was {$1300.00} and on XXXX XX/XX/XXXX I walked into Home Depot store here in XXXX, WA and paid {$120.00} for this Credit card and on XX/XX/XXXX, I got a statement showing that my current balance is : {$1300.00} The second lady I talked to could not allow me to explain myself and ended up hanging the phone on me. Sir, Ma'am, I am writing to see if you could help me solve these problems. I attached all the statements balances. Thank you for your time. I look forward to hearing from you. 

Sincerely, XXXX XXXX Phone : XXXX E-mail : XXXX 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