vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX after being in Wal-mart store and making a purchase, went to place an online order, my information is saved as I frequently order from Walmart on line. this saved information includes my card information and address. I was declined for this purchase, logged on to check available credit as I had made a payment on XX/XX/XXXX. no restrictions, and enough available credit for purchase. Attempted transaction again still declined, due to nature of online purchase and coronavirus I tried to change from 2 to 1 item, still declined. I logged back into check on card and suddenly my account is restricted. 
I was able to make purchase using my personnel account, so issue was not with Walmart web site, or number of items, was not related to available credit as credit on account prior to payment was enough to more then cover transaction. 
I believed issue was a result of me making to payments on credit card in the month of XXXX. I believed this occurred as this was an issue in XX/XX/XXXX. 
I waited until XX/XX/XXXX to call XXXX XXXX, after confirming payment cleared my bank account on XX/XX/XXXX ( this is what I had to do in XXXX ). Called to have restrictions lifted and find out issue. Restriction was lifted an payment did show posting on XX/XX/XXXX. 
when requesting information as to issue was. 
1st advised it was my error entering information on line, again card information is saved on site, so this is not issue. 
2nd was advised it was issue with Walmart site, this is incorrect or I would not have been able to purchase items at same time using at different payment method. 
3rd was advised it was amount of transaction, this is not correct for 2 reasons attempted to change amount ( 1 item not 2 ) and was still declined, and I have transactions in 3 months greater then this purchase amount that did not have any issue processing. 

I again believe this issue is a result of 2 payments in one month, simply because this did happen previously in XXXX, at which time I was assured it would be corrected, I also believe that the customer service individuals I spoke to are unable or unwilling to troubleshot situation and give me an understanding as to why my card is being restricted every other month. 

I was very upset that customer service was implying all issues where mine, I was very upset that if I had attempted to make a XXXX in store grocery purchased for my family of XXXX I could have been declined at check out, embarrassing of course, but more upsetting as I have the money available on my account, and frequently use Walmart card for grocery purchase for rewards on purchases. 


I would like correct and accurate information as to what is causing restrictions being placed on my card, I would like it corrected so I am not in this situation again. I would like to know I am a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I have 2 hard credit inquiries that showed up on my XXXX account that I dont recognize nor did I authorize. One is from XXXX and the other is from 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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WV

Complaint narrative:
I received a credit card in the mail from USBank. It says it's a debit card. I called and continue to get a busy signal. I searched and found that many people receive this card instead of a hard paycheck from a job. I just started a new job and thought it might be from them so after being unable to reach the company by phone, I created a username and password online and opened a new profile on their website. I had to complete the profile to see that there is no money on the card and that they just want me to use this card as a debit card which I do not need or want. I searched the website and called to have them close the account and can't get any answer on the phone and there is no link on the website to close.

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 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app is the worst if you make a transfer they'll cancel your transfer for no reason without even verifying with you like that's unprofessional if you ask me i transfer a XXXX to my sister it was cancelled and now my bank taking me through changes this is not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
AGAIN BACK ON XX/XX/XXXX MY WIFE THE MORTGAGE HOLDER PASSED AWAY. SINCE THAT TIME MY SON AND I HAVE BEEN TRYING TO GET THIS MATTER RESOLVED. LAST YEAR MY SON SUFFERED A XXXX  AND FOUND OUT THAT HE WAS XXXX  XXXX   XXXX. THE PROPERTY IN TITLE SINCE IT IS A JOINT TENANCY THAT WAS FILED IN XXXX, XXXX THE PROPERTY IS NOW MINE AND MY SON 'S. THESE XXXX  AT BAYVIEW LOAN SERVICING KEEP TALKING ABOUT PROBATE AND I HAVE ATTACHED A COLORADO LAW TO SHOW THEM THAT THEY MUST HAVE THE BIGGEST BUNCH OF XXXX AS ATTORNEYS WORKING FOR THEM. AS YOU CAN SEE THE PROPERTY PASSES TO ME AND MY SON WITH THE JOINT TENANCY. THERE IS NO NEED FOR PROBATE ACCORDING TO COLORADO LAW. ALL THESE XXXX AT BAYVIEW IS SAYING IT NEEDS TO BE PROBATE. XXXX  XXXX. ALSO MY SON WHO LOST HIS JOB DUE TO THE XXXX WE GOT A LETTER STATING THAT THE PAYMENTS WERE SUSPENDED THROUGH XX/XX/XXXX. I THEN ASKED FOR THE PAYMENTS TO HAVE A 180 DAYS SUSPENSION TO THE NEW CARES ACT AND A XXXX XXXX FROM BAYVIEW STATED THAT DOES NOT APPLY. ANOTHER BREAKING THE LAW. SINCE XX/XX/XXXX XXXX XXXX HAS SENT AN EMAIL STATING THAT XXXX XXXX AUTHORIZATION TO SPEAK TO ME ABOUT THE LOAN BUT STATES THAT SHE CAN NOT OR BAYVIEW CAN NOT DUE ANYTHING. SINCE I FILED A COMPLAINT ON CONSUMER AFFAIRS I HAVE GOTTEN OVER 1500 HITS AND HAVE ATTORNEYS CALLING ME WANTING TO HELP ME AND XXXX  IT  TO BAYVIEW. THE PEOPLE AT XXXX XXXX  XXXX  AS WELL AS XXXX XXXX OF MONTANA WHO TOOK BAYVIEW FOR XXXX HAVE OFFERED OPINIONS AND OTHERS. ANOTHER COPY FROM A COLORADO LAW BOOK AND THE COPY OF THE TITLE SEARCH WHICH BAYVIEW DID IS ENCLOSED. I SUGGEST THAT THIS MATTER IS RESOLVED TO MY LIKING BY XX/XX/XXXX OR CIVIL AND CRIMINAL ACTIONS ON MY BEHALF WILL BE FILED BY ATTORNEYS THAT ARE WILLING TO REPRESENT ME FOR FREE. THIS XXXX HAS GONE ON LONG ENOUGH AND SINCE BAYVIEW IS TAKING FEDERAL MONEY MAYBE AGAIN THE FEDSD SHOULD SHUT IT DOWN. THANK YOU. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX I contacted Wells Fargo to inquire about the bank 's policies surrounding recasting my private student loan. After being bounced through several different departments because they were entirely unaware of what the word " recast '' means - I had to call back and escalate the call to XXXX XXXX in the Consolidation Dept. This was after being hung up on by a gentleman named XXXX who pretended he couldn't hear the incoming call. Wells Fargo is already notorious for having an outrageous recast minimum of XXXX on their mortgages while most banks are XXXX. I've used recasting in past years to pay down considerable student loan debt when I was with XXXX XXXX. Today I was simply trying to get information regarding fees, number of times I can recast and minimum - however I can't seem to talk to anybody at Wells Fargo that understands the word. It isn't in my loan documents anywhere - for better or worse - which leads me to believe that Wells Fargo is not in compliance with TILA / Regulation Z - they should have disclosed any and all terms and fees to me within that document or at the time of borrowing. Only after mentioning CFPB to XXXX, I was told that the call would need to be transferred to the Executive Office. I read this complaint on a recorded line to XXXX for accuracy. 

Was escalated to 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
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Called Wells Fargo on XX/XX/2020 to perform a BALANCE TRANSFER on an existing Wells Fargo card that I have that has a XXXX  BALANCE. 

This card has had a XXXX  balance for over 6 months, if not more. 

The Wells Fargo representative told me that she had to do a " HARD PULL '' on my credit in order to look at my credit score and see if she could 'override ' her system and get the Balance Transfer done. WHAT? 

I have never had this happen with ANY of credit card company, and I deal with multiple bank credit card companies ( XXXX, XXXX, XXXX, XXXX, etc ) You would think with all the negative press that Wells Fargo has gotten in the past 2 years they would a little more CUSTOMER FRIENDLY.

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 2020-04-21 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} XXXX  XXXX {$XXXX} XXXX XXXX XXXX {$XXXX} COLLECTION SVC XXXX {XXXX} XXXX  XXXX {$XXXX} COLLECTIONS XXXX {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: GLA Collection Company, Inc.
State: CO

Complaint narrative:
In XXXX, I was diagnosed with XXXX. Treatment for my XXXX included removing  a large portion of my XXXX, basically I paid a XXXX  to remove a huge area of my XXXX. The XXXX  specialized in XXXXXXXX the area to make me look less XXXX after the XXXX. Unfortunately, there were serious problems with the XXXX  and I walked around for a year with a XXXX XXXX on my XXXX. This was very upsetting but I was happy to be alive and XXXX free. I notified the XXXX  about the XXXX XXXX on my XXXX  and eventually agreed to redo the XXXX. After 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, I was satisfied with the results. 

The total bill for all services was huge. I paid almost 90 % of the original invoice amount but I refused to pay the final {$1200.00} because I felt the pain and suffering was brutal. My opinion is and was that because it took 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, the XXXX   should reduce the total price as a goodwill gesture. 

The XXXX   refused and adding insult to injury hired a collection agency. The collection agency then listed the XXXX   bill as XXXX XXXX XXXX disclosing my medical condition to everyone. This is a violation of HIPPA law of XXXX. GLA Collection should have listed the item as " XXXX   bill '' with 3 major collection agencies. My medical condition/information should not be shared with the 3 major credit reporting agencies! 

I have asked both GLA Collections and my XXXX   to remove this " XXXX XXXX '' from my credit report and they have refused. This is terrible on so many levels that both GLA and my XXXX  think it is acceptable to knowingly share my medical condition! 

I would like the entire collections account removed from my credit report. Especially since it has been on credit report for 5+ years and the deliquency is 6+ years old! I have no intention of ever paying this expense and the statue of limitations has passed on pursuing legal action against me. 

This XXXX  and the collection agency 's motivation is only money and do not care about its patients or patient rights. No XXXX  or collection agency should every disclose a patient 's condition to anyone. 

My hope is CFPB can have my medical condition removed from all records at all three credit bureaus and GLA Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this due to non-compliance with Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I strongly believe that they are in violation of the FCRA, and are outright refusing to uphold the law.

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 2020-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Reported me late to the credit Bureau and has violated their Forbearance agreement due to COVID 19. I applied for a forbearance due to job loss. I was told not to pay. I advised the bank that I will pay this loan off with funds from a 401k plan. That I just needed time to pay this off, They approved my forbearance and waived late fees. I have disputed this with all 3 credit bureaus. 

On XX/XX/XXXX I requested a forbearance via telephone. I was advised by the representative that If I don't hear back from her in 48 hours the forbearance would be approved. On XX/XX/XXXX I sent an email to follow up in regards to the forbearance. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX stating I was granted an extension and that my next payment would be due XXXX. On XX/XX/XXXX I received funds from my 401 K plan and paid off the loan in the amount of XXXX. I was advised by XXXX XXXX XXXX in the collection dept. That they would consider correcting the late score due to these unprecedented times. The loan # XXXX with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Representative XXXX ( ID # XXXX ) provided me false information in regards to my account. Failed to transfer me or my request to the executive office. Failed to provide an appropriate resolution to the problem with my account. Failed to protect the privacy of my account and my account details.

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 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm writing in regards to a {$580.00} withdrawal from my bank account by Fifth Third Bank due to an unsuccessful cash deposit resulting in a denied dispute. The initial deposit was made at the Fifth Third Bank ATM located at XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/2020. 

Upon depositing the cash, I was given an error message and the money was not returned. The ATM requested I put in the amount deposited, so I inputted the {$580.00}. Next, a receipt was printed out that stated to take the receipt into the branch. I then attempted to take the receipt into the branch, however, that branch is no longer in operation. 

I then took the receipt to the Fifth Third branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They referred me to Fifth Thirds dispute department, which is when I called and filed a dispute. 

When I filed the dispute on XX/XX/2020, the {$580.00} was immediately credited back to my account. 

On XX/XX/2020, I went to use my card for a purchase and it was denied. Upon investigation, I learned that Fifth Third Bank denied my dispute and did a {$580.00} withdrawal on my count. This left me with absolutely no funds in the midst of a crisis. 

I then called the disputes department, where I learned that the case was denied because apparently that ATM is showing it is balanced. I spoke with dispute personnel, and a supervisor. All of which told me they apologize for the inconvenience, but all they can do is reopen the case. Absolutely no empathy, ability, or willingness to release my funds until the dispute is resolved, up to 30 days. I was left with literally no food, gas, or bill money to my name for an entire week, due to Fifth Third Banks error. 

Per the dispute departments request, I then emailed over a letter of intent to dispute. After one week of not hearing anything and a 30 minute hold time, I find out from the dispute team that the email was never received. Mind you I sent it to the exact email address provided with the case number in the subject as directed. I have now resent the intent to dispute. 

I am beside myself with the lack of accuracy from this company. There was an error with their ATM, an error with their reporting, and now an error with them receiving an email in the format and using the email address I was told to use. At this point, I need Fifth Third to step up, get their ducks in a row, and get me my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This is regarding an alleged debt of {$280.00} with XXXX XXXX that is on my credit report. I have reason to believe I do not owe this debt because I believe they have me confused with a different person. I have been requesting all of the following information be provided to me by mail since 2017 and have yet to receive this information. 

1. The amount of the alleged debt including an itemized statement of said debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing they have verified that I am responsible for this debt including my original signature when opening this account. 

They have not provided me with any documentation that this debt is mine and refuse to take it off my credit report. I have contacted the said original creditor and they do not have my name on record or this debt. 

I would like this removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I paid all my accounts with XXXX XXXX that were reported to Financial Recoveries for collection I ask them close all the accounts on my credit report. All of the checks cleared the bank of XX/XX/2020 yet the accounts are still listed as open on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
I have a VA LOAN with XXXX Loan Servicing XXXX sub servicing by Loancare XXXX XXXX XXXX. In XX/XX/2020 I accepted an offer from a buyer to sell my house. On XX/XX/2020 my title company XXXX XXXX contacted Loancare for a payoff statement. They provided a payoff statement of {$140000.00} an amount they stated was good till XX/XX/2020. The house was sold and the closing date was XX/XX/2020. The title company wired over the payoff of {$140000.00} to Loancare. On XX/XX/XXXX Loancare contacted XXXX XXXX stating the payoff was short. I called Loancare and I was told it was short due to hazard insurance disbursement they made after the payoff statement, I was informed that my escrow was short {$550.00}. I proceeded to pay Loancare immediately {$550.00} from my checking account to zero out the escrow based on what they told me.Over the last two weeks I've been calling Loancare to ensure the loan is paid off and my account closed. Yesterday they sent back the wire transfer to the title company stating the payoff was short, this is after my {$550.00} direct payment and the payoff from the title company.Now they are claiming the payoff is {$140000.00} due to late fees. I believe Loancare is practicing deceptive, unfair and abusive acts. They are coming up with miscellaneous charges and expenses are trying to have consumers pay more than they owe. They are trying to have consumers float the bill for their lack of due diligence and are passing on unfair costs to consumers. Please I need your help resolving this issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Transferring cash from Cash App to my XXXX account I linked my cash app 's account to my XXXX via online. Per Cash App, all cash out transactions were deposited to a XXXX account ending XXXX. My account linked to my Cash App account ends in XXXX. An estimated $ XXXX was transferred to someone else account.

Company response to consumer: Closed with explanation