vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Any reasonable bank customer would like to know how much is the balance and whether the transactions that he has initiated will be done or not? And may be how much amount of money will be there in the account after some transactions.In this Wells Fargo business checking account I am always guessing or wondering how much is the balance and whether the transactions will go thru or not?Just last Monday(XX/XX/2019)-I called Wells Fargo for the same issue. In fact talked to the supervisor. Today once again I called Wells Fargo for the same issue at XXXX XXXX and then talked to the supervisor(XXXX) that I am seeing that there is a pending credit of $XXXX from my XXXX XXXX(ending in XXXX) to this wells fargo checking account for the date XX/XX/2019. When i am getting that money into this account? She stated that she is not seeing that transaction. Worse she didn't even cared whether such transaction is happening or not? This transaction was initiated from this very Wells Fargo business account so they cannot be so ignorant.I offered her(XXXX) the screen shot but she is not willing to look into.This XXXX person is working in XXXX CA. XXXX is proposing to go to the wells Fargo branch. In the past, when i was in branch for this kind of clarification - branch told me to reach out to Customer service. They are just passing the buck to each other.It seems that Wells Fargo is too big and too much mismanaged. Right hand doesn't know what left hand is doing? Online banking, Phone banking, Bank branch - they are all out of alignment or out of sync with each other.How come a customer can trust a bank account if that doesn't even tell the correct transactions. I have an important IRS transaction and i have no idea whether that will happen or not?In the past, due to these kind of issues - i end up with overdraft fees. Thankfully Wells Fargo refunded 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 explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loan payment is due the XXXX of every month, for the month of XXXX I paid it on XX/XX/XXXX. Due to XXXX the payment at the bank did not go through to the Fed loan services until the XXXX. As can be seen in my attachment below. Then ( what you can see in the 2nd and 3rd attachments that on XX/XX/XXXX fed loan services attempted to take the payment again which they did not have the authority to do because I do not have them signed up to have any type of withdraw access to my accounts. I pay them every month on time. Well, there were no funds in the account because I had already paid them, and that caused my account to be overdrafted {$35.00}. Then again on XX/XX/XXXX they tried to do the same thing which caused my account to be overdrafted yet again. I have attached those documents as well. Finally on XX/XX/XXXX they sent me an email saying that they had never received my payment and that they were going to continue to try to keep taking the payment from my bank account. I checked my bank account so that they took the money, I called my bank confirm that they took the money, called them and they refused to accept the fact that I took the money and wanted to tell me that they were going to continue to try to take my money until they got it. I then had to go call the bank and have a three-way call with them to explain to them that they did have their money and that they continue to try to take their money after they had it and that they shouldn't have been able to do that. 
I went ahead and filed a complaint with the better business bureau because I feel like this may be a scam that is affecting thousands upon thousands of people. What I feel like they are doing is trying to take money in hopes that you do not notice and then you just have made extra payments for no reason. Because I asked them what would have happened if the money was in my account to take and they said they would have just added it towards a payment and I would not have been able to get it back. That does not seem okay to me, I can barely afford to pay one payment a month let alone two. When I asked for some type of explanation as to why this happened, a technical error, a glitch in the system, something, no one had any answers. Hence why I feel that this is a scam and needs to be made known of because I don't know if anyone else is being affected by this. But I would imagine that they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: LEXISNEXIS
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT AND NEEDS TO BE READ!

Wednesday, XX/XX/XXXX

ALSO SENT VIA CERTIFIED U.S. MAIL
RETURN RECEIPT REQUESTED


LexisNexis
Consumer Service Center
XXXX XXXX XXXX
XXXX, GA. XXXX

Re: Acct # XXXX
      
REQUESTING IMMEDIATE REMOVAL OF BANKRUPTCY.


To whom it may concern,

I have recently made several requests via certified mail and online complaint’s to LexisNexis, XXXX  & the Consumer Protection Bureau to remove a bankruptcy from LexisNexis & XXXX. In my last complaint to the consumer protection bureau I stated the following:

“According to the Fair Credit Reporting Act (FCRA) a Chapter XXXX bankruptcy “CAN” remain on your credit history for “up to 10-years” from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some “KEY PHRASES” in that statement that need to be clarified:
1.	"Can" - The FCRA does not require that a bankruptcy remains on your credit report a full decade.
2.	"Up to" - Again, 10 years is “not a legal minimum, it is the maximum.” So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate.
3.	XXXX  and XXXX  have both removed this several months ago upon request.

Therefore, I am requesting that LexisNexis follow suit as XXXX  & XXXX  have done and removed this from my credit history.  This negative bankruptcy is due to be removed in XX/XX/XXXX just a couple of months away. I would like to close my home loan with an affordable interest rate before then.
I would, therefore, request that you please do not send me a template letter in response to this request and expect to receive a response within 10 days of receipt of this letter and expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully,


XXXX XXXX XXXX


CC: XXXX XXXX XXXX XXXX
      XXXX XXXX XXXX XXXX      XXXX, MI. XXXX
      XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KEYCORP
State: WA

Complaint narrative:
Contacted two different phone numbers at XXXX XXXX PST. This resulted in my wife getting a XXXX  from being awakened in the middle of the night and my XXXX  being worsened because I was awakened in the middle of the night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP
State: AR

Complaint narrative:
ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE XXXX XXXX XXXX AND LINEBARGER, GOGGAN BLAIR & SAMPSON, LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC
State: AR

Complaint narrative:
ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE HARVARD COLLECTION SERVICES AND XXXX, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA received $XXXX and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  Bank of America changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. Bank of America wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and BofA is taking advantage of me. I have never had a negative mark in years and Bank of America emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 2019-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MS

Complaint narrative:
I refinanced my loan in XX/XX/XXXX I transferred my escrow to pay for the insurance that was due in XX/XX/XXXX.  Loandepot failed to pay the insurance and insurance was canceled. I was on the phone with insurance company and Loandepot for four months as the kept telling me it was paid and I could see it hadn’t been.  The insurance was finally paid for in XXXX and I personally had to pay XXXX in fines and taxes before they would reinstate the policy. I have attempted to resolve this issue but they keep telling me that they sent me the overage in escrow to cover that. That was already my money. I feel Loandepot owes me that money as they failed to pay insurance on time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Newman, Mathis, Brady & Spedale
State: LA

Complaint narrative:
I received a letter regarding a garnishment for XXXX XXXX XXXX (Newman, Mathis, Brady & Spedale) in the amount of $XXXX from my employer. This letter was also received on XX/XX/2019 and no form of prior validation was sent before this letting me know if I owed anything. Any past debts with XXXX XXXX XXXX has been settled. This was an illegal and unwarranted debt. This debt has been paid in full in the amount of $XXXX. This includes the original debt of $XXXX plus fees.   I have sent correspondence to Newman, Mathis, Brady & Spedale requesting an immediate halt of the garnishment as this is not legal and I have contacted my lawyer. When I contacted the law firm Newman, Mathis, Brady & Spedale, they then mentioned it only $XXXX. So with no initial letter stating I owe anything and then changing the amount, I think this is unwarranted debt and I do not owe anything since the case was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX  as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 2019-12-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 2019-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sorry no options to choose for my case you can make correction I have appointment with XXXX XXXX City bank Day Monday XXXX time XXXX XXXX  to XXXX XXXX  Location XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX To complete something me and XXXX XXXX we spoke about it Friday I went to the bank and I started with XXXX XXXX at XXXX after 8-10 mint female from the bank she was next to us at another computer she came and talked to me I answer all the questions and I continue with XXXX XXXX And after 7 mint she came back and talk to me again I told XXXX XXXX I dont wont to talk to that lady I have appointment with you can you do your job with me please XXXX XXXX she sad yes before I leave the bank I ask XXXX XXXX if I can file a complain about the female she came twice and talk to me XXXX XXXX she sad yes I ask XXXX XXXX if she can give me the name for that female XXXX XXXX she write the name for that female in the back of the business card the one for XXXX XXXX that happen during the appointment before XXXX non Before I walk out side the city bank I told XXXX XXXX I am not happy about the way that female was talking to me and please she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number When I finish my appointment immediately when I was at the side walk of the street I could not read the name the one XXXX XXXX give it to me I write email to XXXX XXXX The email I send to XXXX XXXX exactly Hi City bank XXXX Day Monday time XXXX non XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Reson have appointment with XXXX XXXX Thank you for your help I would like to ask about 1- if my new appeal been send successfully or no 2- I ask you about the name for that woman she came ant talk to me if you can send me the name because I couldnt read it 3- she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number 4- I hope If you can speak with city bank   management about what happen The end of the email I send to Please send me the name She email me the name ( XXXX XXXX ) At XXXX XXXX I reserved missed call from number XXXX ( XXXX ) XXXX At XXXX I have one more call from XXXX ( XXXX ) XXXX I answer the phone ( XXXX XXXX ) she calling me???.! 

And she ask me about my appeal I ask XXXX XXXX 1- why she call me 2- how she get my number 3- I told her she not alow to contact with me I will attached 1-the photo of the name for XXXX   XXXX  the one XXXX XXXX give it to me 2- photos of the screen shots for the missed call from XXXX XXXX  3- photos of the screen shots for the phone call from 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