vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I've tried numerous times to settle a debt with ERC ( XXXX XXXX XXXX XXXX, FL XXXX ). They don't seem to want to accept a settlement agreement. They're more interested in getting my credit card information. We agreed on a settlement fee of {$100.00}, but they tried charging a {$12.00} convenience fee which increases the settlement amount. I'm trying my best to make this go away, but every time I call they transfer me to 4 or 5 different people and say that only certain people can help me and then they try to include service charges and fees. Do they want to settle or not? I think not. This is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been a customer of Wells Fargo for many of years since XXXX. I set up for my mortgage company to draft my payment on XX/XX/XXXX and XX/XX/XXXX from my Wells Fargo account.They drafted payment on XX/XX/XXXX. I spoke with XXXX at Wells Fargo yesterday evening and she informed me that my mortgage was sold to XXXX in California on XX/XX/XXXX. I did not received any notification from Wells Fargo. I get all my mails and statements from them. I am currently in bankruptcy and paying arreages. I am concerned about what to do. I know I will contact my attorney, but how can I be sure this is correct. Information was giving, but I will not pay until I am sure this is correct. Need documentation.

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 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My complaint is with regard to the service that I have received from XXXX when trying to get answers about the student loans that I have consolidated with them. In early XXXX I went to their website to review my loan balance. I noticed in the secure message area that I had an unread message. It was a letter that was sent in XX/XX/XXXX informing me that they had charged me the wrong interest rate ( 4.25 % ) when I refinanced with them and that I should have qualified for a lower rate ( 3.5 % ) and that they were going to correct this issue and credit me back the extra interest I paid. However, that rate that showed on the summary page of their website for my loan ( when I viewed it in XXXX ) still showed a 4.25 % interest rate. I then looked at my account details to see if they had credited me back any of the extra interest I paid. There were a number of entries both crediting and debiting principal and interest in the months of XXXX, XXXX and XXXX that I couldn't make heads or tails of. Thus, I called their service line to get this issues resolved. I spoke with a service rep who said that he would escalate the issue, get my rate fixed, get an explanation regarding my account history and call me back.. I waited two weeks and did not receive a call back. When I logged on to my account online the rate had been corrected but I could not see in my account details history where I had been credited the extra interest that I paid. Thus, I called them again and spoke with XXXX ( employee # XXXX ). He said he's submit the issues to be researched. I asked to speak with his manager ( XXXX ) but she was unavailable. He said she would call me back the next day. This never happened. I waited another two weeks and called back again. This time I spoke with XXXX, who also could not address my concerns or explain my account history. He too promised to research the issue and call me back. I have not heard from him either. Not once have they called me back regarding this matter or given me any explanation of the transactions that appear in my account history that don't make any sense whatsoever. I have no confidence that they have credited me back the extra interest I paid due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I received a letter from AR Resources saying I owed a medical debt. The letter states the original balance is {$160.00} and a collection fee of {$46.00}, for a total of {$210.00}. 
First, AR Resources is a medical debt collection company and barred from collecting fees and/or interest *unless* agreed upon in a contract by both the consumer and the provider. No agreement with the original provider was made ( XXXX XXXX XXXX XXXX ). I request a full breakdown of what these fees are ( i.e. late fee and/or interest ). As such, I dispute the validity of these fees. 

Second, the letter from AR Resources includes a breakdown of the services my Daughter ( XXXX XXXX ) received at XXXX XXXX XXXX XXXX. This breakdown alleges that our insurance company was billed ; however, they *never* billed our insurance. As a result, these charges are what a person would pay " out of pocket '' when they do not have insurance. Had the claim actually been submitted, our medical insurance company would have reduced those charges based upon the contracted rate with XXXX XXXX. As such, I dispute the validity of these charges. 

Third, AR Resources is violating the FDCPA, wherein a debt collector must include the statement that the consumer has the right to dispute the validity of the debt within 30 days. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/15 I use XXXX  XXXX to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. 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 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I spoke with Navient on the phone about 2 years ago and they advised they were a third party collection agency. I advised them I did not have a debt with them.Asked them to verify this debt with name and signature and they never responded. 
Currently I have been under a XXXX XXXX plan. 

Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and XXXX Taxes were taken from me and applied to a delinquent debt. 

The applied debt was taken by U.S. Department of Education C/O Navient, P. O. Box XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also XXXX XXXX XXXX XXXX  XXXX XXXX, P.O Box XXXX, XXXX XXXX, Oklahoma XXXX. 

However, this Company Navient and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX, a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. I did, however, send a letter to both of them to verify this debt. I also advised them that I needed proof of debt with date and my signature on it. They could never verify that I ever made the debt with them. 

I believe this is an unjust claim for them to take my Federal Taxes and XXXX   State Taxes due to the nature of the claim. 

To resolve the problem, I would appreciate and request a full refund. 

I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XXXX for a resolution. 
I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. 
I need assistance as soon as possible. 

I sent letters also to My Consumer Protection Agency and My Attorney State General. 
XXXX tax was {$920.00} XX/XX/XXXX and last years they also took XXXX $ XXXX included they took my Federal Tax {$2900.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, contracted a lease/rental of the home located a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX to XXXX XXXX XXXX. 

I live in California therefore she indicated that she deposited the amount of {$2900.00} to my Bank of America account in California on XXXX. 

The above amount would cover two months of rent in the amount of {$1000.00} each month and {$900.00} as a deposit. 

On XXXX XXXX XXXX XXXX texted me to let me know that she didn't want to persue the House Lease because she was moving to XXXX therefore she wanted her money back. 

I went to the Bank of America ( branch # XXXX XXXX and XXXX ) to check in person if the check had been cleared and I was told that the money had arrived to my account. 

So, on XX/XX/2019 I sent her money back through a wire transfer to her account at the XXXX XXXX XXXX XXXX in the amount of XXXX. ( I discounted from the total amount {$2900.00}, a fee of {$250.00} and {$30.00} of the bank wire cost ) On XX/XX/XXXX I recieved an email from Bank of America stating that the check sent from XXXX XXXX in the amount of {$2900.00} had no funds available and Bank of America was requesting payment for their loss. 

I belive the bank is responsable for the error in which they failed to check the funds for the check that was sent and should not charge me for that amount since I was advised by one of its bankers that the money had been deposited. 

I spoke to Bank of America several times and they dont want to take responsability. 
I have never asked Bank of America to deposit money into my account that is not mine. Also I have another accounts with Bank of America and without my authorization they took funds to cover the ovedrawn from the affected account and this is not fair bussines

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 2019-03-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is incorrectly showing balances on my account that have been paid. I have tried several ways to notify them that they are incorrect. They will not respond or correct it.

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 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/15 I use XXXX XXXX  to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. 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 2019-03-08 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: BlueChip Financial
State: IN

Complaint narrative:
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX  and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX  that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I went to apply for a loan with my bank ( PNC at XXXX XXXX XXXX ) and the man informed me that I should reconsider my application because I disclosed I may not have good credit. He denied to process my application and because of his negligence and unwillingness to help ( not the computer system ) I was evicted from my apartment in XX/XX/2018 and have been struggling to catch up since then. I only requested to apply for a loan of {$1100.00} and he first told me personal loans were from {$2000.00} ( base ) then told me I shouldnt apply for a smaller loan because my credit may not be good enough to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
Midwest Recovery Systems is the current debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: IL

Complaint narrative:
Dear Sir / Madam I applied new credit card - XXXX EveryDay Card at XX/XX/XXXX with XXXX opening bonus Membership Rewards points and approved it. 

I confirmed that I can receive the bonus point from online representative at XX/XX/XXXX, but I still did not receive the bonus point. 

When I check it, American Express declined my bonus point because I opened more than 3 credit cards within 6 months. However, I only opened 2 XXXX  credit card within 6 months. 

XX/XX/XXXX Opened XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX Everyday Credit Card In addition, I never heard or saw any terms which I can not receive promotional opening bonus point IF i opened many credit card within 6 months. 

This is unfair. I totally do not understand their decision. Please contact them and solve this problem. 

Thank you Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bass & Associates, P.C., Attorneys at Law
State: NC

Complaint narrative:
Recently my Federal tax refund was offset by the US Department of Education. I have reason to believe that the contracted collection agency Bass & Associates and the US Department of Education did not send me proper notification. I never received any collection notices informing me of the days past due or the default procedures. On XX/XX/2018, I was mailed a Debt Statement with a Request for Review, and Notice of Proposed Treasury Offset. I am certain that this was the only notice that I received from the US Department of Education. Which in my opinion, did not give me enough information to verify the status of my account considering my Chapter XXXX Repayment Plan. 
I responded by mail on XX/XX/2018 with a Request for Review ( provided by the US Department of Education ) and detailed documentation that I was currently under a Chapter XXXX Repayment Plan. I never received any other correspondence or calls from the US Department of Education or the contracted collection agency Bass & Associates. Recently, I created an account on the US Department of Education website and it the wrong phone number was on file but my mailing address and email address were on file. 
After filing my 2018 taxes, I recently learned that the US Department of Education offset all of my much needed tax refund to repay the debt. I am currently faced with major financial hardship after not receiving my tax refund. I have received multiple utility cutoff notices and cancellations of my insurances. It is my hope that my complaint is forwarded and reviewed as a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the XXXX Department of Financial Institutions and the XXXX Secretary of State, both of which informed me that XXXX wasnt licensed in the state of XXXX, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX , XXXX . In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau Transunion. I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.

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 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC.
State: AL

Complaint narrative:
Check into Cash has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
XXXX XXXX XXXX is the current debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I've attempted to sale a property I own for approximately two years. However, due to the market, I have not been able to sell it traditionally. I applied and was approved for a short sale. However, since XX/XX/2018,  I have not been approved for any contract that has been submitted. 

I have had two realtors attempt to sell the property, but out of all offers submitted, none have been approved. 

The foreclosure date was originally set for XX/XX/XXXX ; however, I was not aware and because of a complaint filed, it was extended to XX/XX/XXXX. Nevertheless, the subsequent offers were pulled because the foreclosure was listed on a website, XXXX, and Wells Fargo refused to have the foreclosure attorneys remove the listing. Subsequently, my realtor found another offer ; however, that offer was denied because of the impending XX/XX/XXXX foreclosure date. 

As a result, I asked for a deed in lieu of foreclosure, but was told that there was not enough time to conduct a review for this process.

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