vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This is my second complaint against Bank of America, after receiving another unexpected interest charge posted on my account this billing cycle. My last unexpected interest fee charged was just last billing cycle. 

This time, I was actually carrying a negative balance, hence there was no accounting justification for it whatsoever. 

I called customer service on XX/XX/XXXX at XXXX and spoke with XXXX, who said that this was due to a system error, and that they will 'waive ' the fee ( indicating that the fee in itself is justified. I do not recollect any apology offered. 

I was only able to pick it due to increased vigilance after receiving interest charged just last billing cycle. This proves that they are unjustifiably posting interests which consumers are left to pay if they do not pay attention.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am not able to link my XXXX account with gemini.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest Recovery Systems is fraudulently attempting to collect a debt in the amount of {$730.00} it purchased from XXXX XXXX, XXXX in XXXX. On several occasions, Midwest Recovery Systems has illegally placed this account ( ending in XXXX ) on my credit reports by using fraudulent, illegal and unfair debt collection practices such as negative re-aging of debt, breaking the statute of limitations in the State of Michigan, communicating false credit information and failing to disclose that I have disputed this debt on several occasions. 

XXXX XXXX, XXXX is not a licensed lender in the state of Michigan, according to the Michigan Department of Insurance and Financial Services. 

Between XXXX-XXXX, my attorney successfully worked with the three credit bureaus ( XXXX, XXXX, and XXXX  ) to get the Midwest Recovery Systems/XXXX XXXX account removed from my credit reports. 

Years later, in XX/XX/XXXX, Midwest Recovery Systems fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country. 

Once again, I have filed disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Midwest Recovery Systems. Additionally, I will be seeking legal counsel and filing complaints with the XXXX  and FTC if this account is not removed from my credit reports promptly. 

I would like to settle this matter without litigation. However, if Midwest Recovery Systems continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Bought a visa gift card at grocery store issued by XXXX and distributed by the blackhawk network. It was fraudulently used at a XXXX despite a pin being set by me by a fraudster. Now they are refusing to send me a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: ID

Complaint narrative:
" Wakefield & Associates '' out of Colorado contacted me on XX/XX/2020 at XXXX MDT, over the phone. I asked them for information so I could go ensure they weren't a fraudulent caller ( their companies name, mailing address, etc ) and then looked them up before calling their XXXX number at XX/XX/XXXX XXXX MDT. 

I spoke with a gentleman and requested they send me a written debt validation notice, as I had not received one up to that point. I turned out they had the wrong address, so I provided them with my updated XXXX and was told they would send me written verification. 

On XX/XX/2020 I received a call from XXXX from " XXXX '' who identified themself as a employee of Wakefield & Associates. I informed XXXX I had not yet received a debt validation notice after my previous conversation with them, and they told me that there " had been an address correction '' though " they had not yet sent a validation notice ''. It's been well over 5 days, going on 30. I told them I feel they have not acted in good faith and that I want my written validation notice as is my right ( under the FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2020, I was charged for a premium membership to access my credit report by Experian. I never agreed to such a membership. I signed up for a free credit report and that was it. I contacted Experian and they were not willing to help with my dispute.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I was contacted by Comenity regarding my XXXX XXXX credit card payment being late. I advised I was having some financial hardship due to Covid 19 and requested their payment relief assistance program. The representative offered just a payment extension that would not have notated my account i was having a hardship and still possibly make me subject to late fees. When I declined this and requested again specifically for the Covid 19 hardship the representative rudely asked if I wouldn't be able to come up with a minimum payment of just {$35.00} in another month. I then requested to be transferred immediately. 

Afterward I was still annoyed but couldn't bare to speak to another rep because I had also gone through SEVERAL issues getting my first online order placed because reps kept making mistakes and I kept having to call back. Instead I sent an online message advising of the issues and my dissatisfaction and requested the small courtesy of refunded late fee and finance charge, and I paid the card off in full minus the amount of late fee & finance charge rather than accept the covid 19 hardship and possibly have to deal with any of these people again. 

They responded with an agreement to refund the late fee and the finance charge JUST on the amount of the finance fee. I did not realize the difference until XX/XX/XXXX, and I then requested the remainder of the finance charge also be refunded for my continued disappointment in their customer service. On XX/XX/XXXX I received a response stating they would not be refunding the remaining charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CT

Complaint narrative:
My father-in-law passed in XXXX XXXXhe had an outstanding balance of {$270.00} and collection company claims charges made after his death? The card was cancelled when he passed. I called Weltman, Weinberg & Reis after I received a letter from them since all my father-in-laws mail was forwarded to me after his death. I received a threatening letter on XX/XX/XXXX and called them on XX/XX/XXXX. I advised them there was no estate and that I only handled his mail. I told them to stop sending letters to the estate since there was no estate. Since my phone call on XX/XX/XXXX, I have been receiving daily phone calls every day at XXXX since last year. I have called numerous times and said stop calling my home number everyday. I am the son-in-law, no estate and there is nothing to collect from! I called again on XX/XX/XXXX and told them I am on the Do Not call Registry and this is harassment. I am not a representative of XXXX XXXX and I am being called on my home phone daily with a recorded message since last year! I told them there is no estate to collect from and I am the son-in-law. This needs to stop ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We were placed in covid hardship program which we do not want. This is affecting our ability to get other loans. We have called the bank a dozen times to have them take us out of the program and the representatives keep telling us its a great program and we should be in it. They will not let us out and will not update our account and credit report. We call in each day and each time they tell us nothing has changed we are still in hardship and that we should be in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: IL

Complaint narrative:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Invalid debt, but kept threatening to hit my credit if I didn't pay, I paid them and they reassured it wouldn't hurt my credit or impact would be minimal. Completely destroyed an 800+ credit score down to XXXX and is causing an undue burden on my growing family as we are now unable to buy a home. 

I have 15 years of absolutely perfect credit history and this one inaccurate and misleading blemish is detrimental. 

Please help in removing this from my credit history ASAP. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had file dispute wirh equifax about the wrong info on my credit report multiple time but never recieved reply from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian shows an incorrect date of birth on my credit report. I don't where or who made this error. When brought to Experian 's attention they could only give me your agency and phone as to the agency to help me. I've included a copy of my Driver 's License which shows my correct date of birth. Thank you for your help. 
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 non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Loan was initiated with Navient XX/XX/2006in the amount of {$25000.00}. I have been paying on this loan since that time and my principal balance is {$16000.00}. I have been told that I have paid {$17000.00} in interest and interest paid in 2019 was a little over {$1000.00}. Based on my payments and interest rate of 6.125 that calculates out to almost 50 % interest. Navient will not provide a full summary of my account showing payment made, interest charged and principal applied. I have further been advised that it will take me an additional eight years to pay off the remaining {$16000.00}. I applied for an income driven programAnd not only was I denied but my payment amount was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
XX/XX/20 & XX/XX/20 I called Sun West Mortgage company and spoke to a representative and then to a supervisor regarding the CARES Act forbearance. I am up to date with all of my payments at this time but will have difficulty making payments for XXXX and the next few months as my husband is not working. I asked for the forbearance to start on XX/XX/20 for 180 days. According to both the representative and the supervisor the forbearance starts on XXXX. I called FHA on XX/XX/20 ( reference # XXXX ) and spoke with an FHA employee who also reviewed the info with me and stated I had a clear understanding of the information and I was correct that the forbearance does not need to be retroactive or pushed back if I had made the payments. The Sun West mortgage representatives kept telling me that no matter if I made my payments in XXXX XXXX XXXX, I still have to have the forbearance start on XX/XX/20. This does not make sense to me as I have already made those payments and its the future payments that I am concerned about. How is this helpful as a consumer to have a forbearance start on a date when I was ok financially to make my mortgage payments. I have not heard back from FHA regarding this case other than the initial email I received from the rep when I called on XX/XX/20. Please contact me as this is a not how the CARES Act is supposed to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been using the XXXX app, which lends money, for over a year without issue. Now, all of a sudden, within the last month, PNC Bank has denied the ability to link this app to my account. I tried another app, XXXX, and it was also denied. This is making it impossible for me to get money I need to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have 3 children going to 3 different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked BB & T to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.

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 2020-05-29 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Mortgage account was mistakenly reported in XXXX of 2019 on my XXXX  credit reporting resulting in the removal of the tradeline. Have contacted dovenmuehle and XXXX  to have this account verified as accurate. Several complaints and Months later, dovenmuehle states it's been reported to the credit bureau while XXXX  is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was contacted by Netcredit regarding a personal loan to help rebuild my credit. At the time I thought it was a good idea and I could handle the payments of the {$3200.00} loan. Shortly after I was laid off from my job and no longer able to make payments. I started working with a debt consolidation company and paid back about {$1500.00}. The debt consolidation company wasn't paying my bills on time so I discontinued using their service. 

Now when I look at my credit report it shows I owed over {$3000.00} and the interest is 132.99 %. I feel like this is predatory lending and they took advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OR

Complaint narrative:
XXXX  XXXX  gave me prepaid card it stopped working after 2 days.it is literally impossible to each via phone or online the prepaid company.viaphone puts you n hold an hour than hangs up on you. online system keeps tellin me to call

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