vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have an unauthorized hard credit inquiry from Pentagon FCU appearing on my XXXX  credit report. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Pentagon FCU to run my credit due to having already secured financing through my own credit union. 

I am requesting that Pentagon FCU remove the hard credit inquiry from my XXXX credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.

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 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was sued by XXXX XXXX for a defaulted credit card. The attorney that was suing me for {$1600.00} and XXXX dollars for court costs on behalf on XXXX XXXX was XXXX XXXX XXXX XXXX XXXX and that was the last I heard about it until XX/XX/XXXX when I received a letter of garnishment from the law firm Cooling & Winter informing me that they have gotten a judgement against my employer on XX/XX/XXXX and will be garnishing my paychecks.for XXXX principal and XXXX in post judgement interest, and XXXX in other fees. After frequently calling them trying ( and failing in both aspects ) to have the garnishment stopped and a payment arrangement agreed on I posted a complaint on the XXXX website ( XX/XX/XXXX ) where they finally respond " We appreciate the opportunity to respond to this review. Fair customer treatment is a high priority for our office and we prefer to resolve debts with consumers voluntarily, without using the garnishment process. However, in this case, no payments were made toward the debt in response to the lawsuit or judgment in XXXX, or at any time since then. We evaluate settlement offers and payment plans based on the particular facts and circumstances of each case and invite you to contact our office to discuss repayment options ''. ( XX/XX/XXXX ). 

After 28 days of multiple phone calls and emails sent to the person handling my file explaining my problem with 25 percent of my paychecks being seized I get a phone call from a XXXX XXXX who tells me that in XXXX Cooling and Winter tried to call me numerous times and in XXXX they sent me a letter to settle, but to have the guy actually in charge to decide if its okay to reduce the amount they are taking out of my checks I will need to submit 3 of my paycheck stubs.That very day I email 3 of my paychecks stubs to XXXX XXXX and wait. Wanting to know if a decision has been made I email XXXX XXXX XXXX on XX/XX/XXXX to find out on the XXXX of XXXX that XXXX didn't send my paycheck stubs to him. It has been six days since then and I haven't received a email or a phone call. 

It has been almost 2 months since I was invited to discuss repayment options. Every time Cooling and Winter takes the full 25 % of my paycheck I not able to afford my living expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$1600.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. I received a bill in the mail on XX/XX/XXXX. I requested debt validation. In response, I was sent a bill, not documents showing my signature or anything. If can't VALIDATE the debt then it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I booked plane tickets for {$390.00} back in XXXX. XXXX cancelled my purchase. I rebooked for $ XXXX ( I don't have the exact price, but I can get it ) and asked XXXX to honor the price of {$390.00}, when they didn't and I cancelled that purchase. I disputed the charges with Barclay Elite MasterCard, because they farm out their customer service, the rep, who didn't completely understand English, didn't quite understand my dispute and she only credited me with {$290.00} dollars. As of today, I am still have not been refunded the other {$390.00}. The dispute started XX/XX/18. I have called every month. Each time I have called I speak to at least 10 people. I can not speak to a manager 's manager. They refuse. Right now I'm waiting for a callback. In XXXX, they told me that my case is still open, and I today as I'm doing my monthly check, I just got notified that my case has been closed seen XXXX. They have refused to start arbitration as asked countless time. They ask me for paperwork, and I told them that I shouldn't have to do paperwork for their mistake. I just asked for the call logs because they said I haven't called since 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 monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}. 
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance. 
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house. 
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement. 
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale. 
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement. 
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer. 
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house. 
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner. 
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I am a recent graduate who started the XXXX fellowship beginning XX/XX/2018. I was trying to defer my loans as most of my colleagues did as we don't get paid full salary. I called Navient several times to make sure I could qualify for deferral. The issue is that in their application form they require to have a XXXX XXXX degree to defer the loans. I graduated with XXXX degree, XXXX XXXX degree and my XXXX degree. XXXX XXXX was the one I was able to skip using my XXXX XXXX as a prerequisite and get my other degrees. When I called the first time, they told me there was no issues as my degrees considered to be higher than XXXX XXXX. I filled out the form through my fellowship program but was denied saying that my program begin date was more than 30 days in the future and I needed to resubmit my request within 30 days of the program start date. That didn't make sense as I was several weeks into the program. When I call back, I had another conversation with a different person who said that was a mistake in the system, but I still didn't qualify because my fellowship was different from other fellowships. If that would be a fellowship or residency in the hospital, that would be ok. I don't see what is the difference because we all make post-doc salary no matter where we work. They told me I should try income-based payments. I called the third person a little later. They were ignorant and told me that I wouldn't be able to get XXXX XXXX degree without my XXXX XXXX. I am completely lost. Everyone is providing different information. I eventually requested the income-based repayment and of course it was approved with much higher payment that I could comfortably afford. I just want to find out if there's a person who can tell me for sure who is right and what I am eligible for in that company. Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
Loan was transferred from XXXX XXXX to XXXX XXXX. Information was due to be provided so that an account online could be created - a " Heartland key '' so that payments could be made. Key was never provided. Updated information was never mailed. I was able to obtain a key from chat support. Payments fees are exorbitant - over 9 % with a debit card. Between $ XXXX {$1.00} to pay by check. I decided to do a full pay-off of the loan. Was unable to complete the payment online - received repeated errors that they could not process my payment and was provided a Customer Service phone number. Called in and was told to use a different browser ( error code does not indicate as such ) - tried XXXX, XXXX XXXX, XXXX, XXXX, and XXXX with cleared cache in each browser. Was told " in certain cities we only allow certain browsers. '' Asked to make a payment over the phone since an online payment was not possible - was told that I would be charged {$10.00}. Asked to speak with a supervisor to waive the {$10.00} fee. Was told none were available and someone would call me back ( meanwhile, the loan accrues interest daily ). Customer service agent was rude and eating during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
i tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX points to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CHASE CARD XX/XX/XXXX ( 6 yrs, 8 mos ). {$20000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 8 mos ) XXXX XXXX XXXX XX/XX/XXXX ( 2 yrs, 2 mos {$4000.00} XXXX XXXX XXXX XX/XX/XXXX ( 4 mos ) {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018 Bank of America declined a transaction, sending a text for fraud verification claiming that it was because I hadnt made a purchase from XXXX in a previous month, and that {$180.00} was a suspicious amount to spend. This policy was never announced or explained in writing. The transaction could not take place after the text verification ( time sensitive on product demand through online raffle ) and I lost the opportunity to purchase a product that now immediately resells for {$450.00}. I lost {$250.00} profit because BoA wouldnt even temporarily authorize a purchase I could pay twice over when I had not asked for a fraud alert or been involved in any fraud or lost card. They are protecting my account from only me allowing other BoA customers to make the same purchase claiming that its because XXXX ( ironically ) and other fraudulent activity at 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 2018-12-19 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: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
A collection debt that was placed on my credit report by Wakefield & Associates continues to be reported to all three credit bureaus in error. The debt owed has been paid in full to XXXX XXXX XXXX and XXXX XXXX XXXX has directly contacted Wakefield & Associates advising them to remove this information from my credit file. The fact that this derogatory information has not yet been remove, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files. Thank you!

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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have an checking account with U.S. Bank Account Number XXXX. 
Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX emal XXXX I was informed on XX/XX/2018 that my account XXXX XXXX XXXX XXXX is in an over draft state negative {$570.00} and that On XX/XX/2018 my account will be charged off and closed if it is not brought current. I was informed by XXXX via telephone on XX/XX/2018. 
I had spoken to XXXX XXXX, the U.S. Bank Branch manager of the XXXX U.S. Bank before XXXX and informed her that my bank account had an entity make an unauthorized withdrawal of over {$200.00} un beknowst to me in XXXX. That all of the charges against my account have been made by U.S. Bank as a result of the unauthorized overdraft, through no fault of my own. 
Prior to XXXX  Ms. XXXX promised that she would have my account credited for all of the over draft charges which would bring my account current. Thus far Ms. XXXX has failed to take the necessary remedial action to have all of the U.S. Bank over draft charges removed from my account. 

I am XXXX, a senior citizen, a XXXX person, a protected person as defined by the Americans for Disability Act and need and value my U.S. Bank Checking account which I have had now for several years. 
XXXX, I am requesting that the CFPB contact U.S. Ban k Ms. XXXX XXXX license to work in the Banking industry for her failure to remove all of the U.S. Bank Over drafts from my account as she said she would do.

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 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One reported to the credit bureaus that I did make a late Payment on my account in XX/XX/2017. The credit bureaus have reported the payment history of XX/XX/2017 as a 30 day late payment. I spoke with the company today to resolve the matter and to dispute an inaccurate claim. Payments were MADE in XX/XX/2017 and Capital One needs to address its inaccurate reporting immediately from each credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: DC

Complaint narrative:
I tried to purchase an XXXX at the XXXX Store in XXXX, Washington, DC using the XXXX   Loan payment plan. XXXX  declined the loan with the following statement to me : " UNABLE TO ACCESS CREDIT REPORT. CONTACT CREDIT BUREAU TO CONFIRM YOUR STATUS. '' Incredibly I just paid off a two year loan with the same company. They referred me to the credit company who blocked my account, and this company is Equifax. 

I called the Equifax number requested and spoke with three consecutive individuals, all of whom were asking questions about accounts that I do not have or ones on which I can not remember monthly balances. They were unable to unlock my account. I became very suspicious of all the questions because Equifax is a company that has had a substantial data breach and is not to be trusted. 

All of the people who I was told could help me by phone stated they could not remove a " Stop '' or " Freeze '' on which they have imposed on my account. All of my financials are in an excellent state and I can not understand why they are locking my account. I believe it may be because I refuse to pay them a monthly fee or a fee to get a credit report. 

I have not asked Equifax for anything and don't even know why they have my account information and can prevent me from getting a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
McCarthy Burgess and Wolff collections is calling me repeatedly about a debt related to a XXXX XXXX ( spelling unknown ). I am NOT XXXX, I am XXXX, and I do not owe anyone any money. I have asked them to remove my phone number and stop calling. 

They have apparently done neither.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation