vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-14 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: NY

Complaint narrative:
Wells Fargo has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No XXXX was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in XX/XX/XXXX and was done so a year prior to said foreclosure all while Wells Fargo was supposedly working with me regarding a loan modification. Wells Fargo seemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed and Wells Fargo settled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim ( pennies on the dollar ). Wells Fargo was also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from XX/XX/XXXX-XX/XX/XXXX with one approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in XX/XX/XXXX to work with me and modify my home as they should have done back in XX/XX/XXXX-XX/XX/XXXX, so what did they do? well they did n't go back to see if i should have been approved back in XX/XX/XXXX-XX/XX/XXXX when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification and Wells Fargo foreclosed on my primary home selling the home for 100K less than I was looking to pay in a modification.
My latest complaint was forwarded to Wells Fargo 's Executive Resolution Specialist XXXX XXXX, who I immediately identified a s a  person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision XXXX XXXX XXXX, as I felt his personal opinion was introducing a bias investigation. XXXX XXXX never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace XXXX XXXX. Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of XXXX XXXX dollars.

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 2017-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Please see : Complaint #  XXXX  placed to cfpb on  XXXX /2017..   At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my  XXXX  report. I contacted bo th ARS  and   XXXX    by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to  get a Home Equity Loan.

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 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was informed my Amazon that I would have 1 year from the purchases to not accrue interest on my account with the purchases that bought. When I came home today I found out that Synchrony does not agree with this. Amazon is informing customers of this and it is against the SEC and FCC as well. I have tried to talk with MGR  XXXX  in Kanasas operator  XXXX  and is quite condescending and rude. I asked him if he was a robot then tried to belittle me or berate me. I have been with Amazon for a very long time and I am saddened to say that they are misleading and liars. I would like them reviewed as well as Synchrony Bank on this issue. It seems that they are more than happy to get you in the door but when it comes to actually servicing you, you are kicked to the way side. I tried to get it resolved and informed them I would be filing a CFPB complaint and going forward from there.

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 2017-05-14 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: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
Hi, I have paid  MARY JANE M.ELLIOT P.C  the debt I own them, on   XX/XX/XXXX .    I paid them {$4000.00} We both agreed for this amount.   After I made the payment I called them and asked them if they received the money, they said everything is fine now and soon it will show on the credit report that you have paid the debt.   After a week I have received a letter from  the cou  rt, XX/XX/XXXX  d istrict court, it was a garnishment release.   I call again  MARY JANE M.ELLIOT P.C ab out this letter and they said it was about your debt which you have paid and you are ok now.   I had to check my credit on     XX/XX/XXXX  a nd I noticed that the debt which I paid t o MARY JANE   M.ELLIOT P.C w as showing as unpaid.   I c all MARY JANE M.ELLIOT P.C ab out this and they said, the court must have fixed your problem, we ca n't do anything about it.   I call the court at the same day, they said they have n't received a disatisfaction judgment from  MARY JANE M.ELLIOT P.C,  without it we ca n't help you.   I ca ll MARY JANE M.ELLIOT P.C, th ey said they sent it and they ca n't help me .. . ..I ca ll the  XXXX  district court again, they said, they never received it and without it, we ca n't clean your debt.   I have called them many times and they still keep saying me the same thing.     XX/XX/XXXX   Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: NY

Complaint narrative:
Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.

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 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: TN

Complaint narrative:
XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,

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 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Sunday XX/XX/XXXX at approximately XXXX XXXX Pacific I attempted to make a deposit for an online betting services called XXXX XXXX using my Capital One Venture credit card ending in XXXX. It was declined by Capital One twice. I then called Capital One and was connected with their fraud department. I was informed that the two charges were flagged by their computer as suspicious. After supplying my name, DOB, and Social Security number, I was then required to receive a text message with a numerical code and repeat it over the phone, which I did. The Fraud Representative then reviewed the charges their computer flagged as questionable, which I did, and confirmed that they were valid despite the fact the representative misstated the time they had been tried ( for XXXX XXXX that XXXX?!?!? ). She informed me that she had cleared the blocked charges and it was OK to resubmit my purchase/deposit with XXXX XXXX. I went ahead and did so, and the Capital One computer decided instead of approving the charges to freeze my account and declare it compromised. She never informed me that this site was considered suspicious by their computer algorithm and that No charges would ever be approved for that site, nor that there was a risk that my card would be frozen. I explained to her that this was terribly inconvenient and would incur substantial loss of time and possible financial penalties as I have several recurring payments set up that would take me a great deal of time and trouble to replicate, especially as some of them may be due in the next few days. She insisted that they would have to send me a new card. I said this was not OK, and she just kept repeating herself. I politely asked to speak with a supervisor and/or explore other options, and she said there was no other option, and that there was no supervisor available to speak with me because it was the weekend. I insisted that she explore alternative options which after several go arounds she agreed to do. She put me on hold, and then the line went dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
In mid  XXXX  I cancelled my  XXXX   XXXX   XXXX  home phone service.My bill was automatically deducted from my  XXXX  checking account. When cancelling I agreed to a service with  XXXX   XXXX   XXXX  to hold my present phone number for a year for  XXXX  dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In  XXXX  I received a phone bill for service from  XXXX  to  XXXX   XXXX   XXXX  for {$71.00}. My phone was shut off in  XXXX  and did not make or receive any phone calls.On my phone bill dated  XXXX   XXXX  to  XXXX   XXXX    XXXX   it list a payment received for $  XXXX  the same bill it list a credit owed to me for $  XXXX  .I la ter received a check for that amount I called  XXXX   XXXX   XXXX  and asked  how I c ould owe money and be owed money at the same time. They said they would take care of it  XXXX   XXXX   XXXX  to  XXXX   XXXX    XXXX   my statement listed a charge of $  XXXX  ..It listed  a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro  XXXX   XXXX   XXXX  into my account. The important thing to remember is my phone was shut off in  XXXX  and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in  XXXX  when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in  XXXX  and should have only received a bill for a partial month up to the point of cancelling my phone service.In  XXXX  {$24.00} was taken from my account for what I presume to be a partial months service from  XXXX  until the day  XXXX  cancelled in  XXXX . My  XXXX  phone usage bill was paid in  XXXX , My  XXXX  partial month usage bill was paid for partial use in  XXXX  and from that point no charges should have  been.owed.Where  did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc   XXXX   XXXX   XXXX ,  XXXX  FL.  XXXX   XXXX , Phone  XXXX   XXXX . I sent them a check for {$100.00}. .My phone account number is  XXXX   XXXX   XXXX   XXXX   XXXX . My Name is  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ohio, XXXX , Cell phone  XXXX   XXXX   XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-14 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have tried to do a harp refi because I want to stay in my home, however each time I tried this bank of America has lost, not received or time has ran out to proceed. Out of 5 times I have tried to get help they came back with short sale or deed in lue. the first time I had to have XXXX and was out of work for 8 months I begged and borrowed to make my payments till I got back to work. I recently had XXXX again and also had a XXXX XXXX all with in the same month. I tried to refinance with my local bank but due to my filing of XXXX XXXX they were unable to assist. it seems like BofA does n't care about there clients unless they are elected persons that will give them special perks. if paperwork is needed to verify my medical conditions that I have told I will provide, except for the first XXXX which my house burned down in 2012 and I lost all that paperwork, which brings up another problem with this company when I was rebuilding it took this company 4 months to release the funds to finish paying for new home including speaking with my state senators and representative and manufacturer all speaking to this company to get them released.

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