vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX   XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX   purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.

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 2019-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have received letters from collection agencies confirming that the XXXX XXXX XXXXXXXX is aware of a fraudulent account being reported on my SSN yet still does not take it off!

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 2019-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I had medical insurance of through the state of which I provided the information to the company back in XXXX when the matter arose. In XXXX I was placed in collection for this debt with CMRE. I had spoken with them on several occasions even disputing this debt and requesting validation of the debt. I was never provided such information upon my request. Due to the matter being incorrect it was removed from my credit reports. However CMRE violated fair credit act by re-aging this debt and changing the amount in order to place this debt on my credit report again. The debt they are now claiming is XX/XX/XXXX of which I have had medical insurance over the last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: DISCOVER BANK
State: OR

Complaint narrative:
The account was closed by the guarantor and paid off in full but still reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have no knowledge of this card never received statements or nothing there was a data breach and my info was compromised I was alerted by XXXX XXXX  and now I get this collection letter for XXXX credit which I never had! 
Also XXXX advise me their credit limits only go up to {$16000.00} so there is no way I should have a balance of double {$32000.00}? 

I dont understand how XXXX credit would let somebody go over double the credit limit and even the fraud specialist was surprise this account was not frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: OR

Complaint narrative:
The account was closed by the guarantor and paid off in full but still reporting negatively.

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 2019-12-15 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: OR

Complaint narrative:
The account was closed by the guarantor and paid off in full but still reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: OR

Complaint narrative:
The account was closed by the guarantor and paid off in full but still reporting negatively.

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 2019-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America frequently holds my mortgage payments then charges me late fees. 
This month they charged me {$100.00} in late fees. Ive had this problem before and had to contact you about them. 
I always send my payments certified so I can track them. yet they still say they didn't receive them on time. 
this is a game they have been playing for years

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 2019-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-Navients XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 

There were/are multiple notifications " by the alleged student loan servicer-Navient for overpayment from my bank account ''. Yet the alleged student loan servicer-Navient continues to take this money automatically from my bank account and continues to record non-payment of Student Loan with late fees. 

The alleged student loan servicer-Navient also reporting Fraudulent Loan Balance of this private student loan to all Credit Reporting Agencies such as XXXX XXXX and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have multiple duplicate charges on my credit report as a result Of identity theft from ARS account resolutions. None of these services were rendered. I have never used this company before.

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 2019-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXX for overpayment from my bank account. Yet the alleged student loan servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicerXXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX XXXX and Trans Union reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.

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 2019-12-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX  XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXXt for overpayment from my bank account. Yet the alleged student loan servicerXXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicer-XXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX  Equifax and XXXX XXXX reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Numerous CFPB complaints have been filed pertaining to unauthorized accounts and fees charged to them. I reasonably requested a refund in the amount of {$610.00}, this amount reflects prior remedy refunds received. Wells Fargo responded by mailing me several mediation request forms, a total of four were filled out, requested refund in the amount of {$610.00}. XXXX XXXX with Wells Fargo contacted me, offered a settlement amount of {$3700.00}, which was accepted in XXXX. It is now XXXX, no payment received, I am now making additional requests for refund in the amount of {$610.00}. Wells Fargo rep by the name of XXXX XXXX replies via CFPB portal claiming to have made numerous resolution attempts, exhausted all resources, etc.. His reply is a duplicate, still has not mentioned one such attempt at resolution. It appears he chooses to submit a general form reply and use it as a duplicate to avoid going in to any supposed attempts at resolution, knowing they are false.. I can assure the CFPB his claim of making any attempts at resolution is entirely bogus, a lie. I have not received any contact from Wells Fargo since XXXX, no calls or emails from anyone attempting to make resolution. I spoke with an attorney, was advised to inform the Federal Court of Wells Fargo bogus settlement offer, also to file a small claims suit. That being said, I emailed the attorney for the class, informed him of what happened. Prior to this, I attempted to resolve this matter directly by calling Wells Fargo corporate officer, a total of three calls were made ... .I spoke with two reps by the name of XXXX XXXX a third by the name of XXXX XXXX all of whom could not locate any cases under my name or notes thereof. On the third call, I attempted to reach XXXX, the rep could not locate him ... In closing, I wish to reiterate any claims of attempts at resolution by Wells Fargo are 100 % false, a lie. Their only contact with me was through XXXX XXXX whom offered a bogus settlement, did not send any payment, nothing received to date.. Further, Wells Fargo is fully aware of resolution, which is to refund {$610.00} since they did not honor settlement offer..

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 2019-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
'' We placed {$1300.00} in suspense on XX/XX/XXXX, because we needed to verify two items deposited into your account prior to the closure. 
We were able to verify the items on XX/XX/XXXX, and we mailed a check for {$1300.00} on XX/XX/XXXX, to the address we have on file for you. '' Why it took many years to verify 2 deposits? 
This is the normal time needed? 
Why does it take you many years to verify only 2 deposits? {$1300.00}. It was only 2. Had it been 3 or more, how many centuries would it take you to verify? 
Had I not resolutely kept on jpmc, workers sm XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. It would have been more years, as obviously jpmc workers had been just ignoring it. 
I spoke with rs Worker XXXX about the most recent distribution, which XXXX ignored, never taking care of it. 
It was easier for all workers to just ignore it. 
All other coworkers ignored it, still had a job, got promoted, why not them too, right? 

''Our associates have made repeated attempts to contact you and gain clarification of any further concerns you may have about these transactions. '' Lies. 
Untrue. 
Workers sm XXXX XXXX XXXX, XXXX XXXX XXXX all had my telephone number and e mail address, methods to be in touch with me. Though their contacts were useless meaningless and unwilling contacts for show. 
None truly willing to get any mistakes of XXXX XXXX righted, taken cared. 
Workers XXXX XXXX, XXXX XXXX had repeatedly attempted to avoid, ignore me. 
Worker XXXX XXXX ignored my e mails. 
These all had my e mail address and telephone number. None contacted me later when nothing was ever done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to XXXX XXXX XXXX XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to Lloyd & McDaniel of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to XXXX XXXX , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel Lloyd & McDaniel to respond with this information as time is of the essence. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to Midland Credit of XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to XXXX XXXX XXXX of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to Midland Credit , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel XXXX XXXX XXXX to respond with this information as time is of the essence. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I was paying off a loan until my income vhang d drastically. I had paid over a year and was down to {$300.00}. Tower Loan garnished my wages. My bank informed the company that my income was federally protected XXXX XXXX direct deposits. The creditor resent the garnishment order again anyway and removed {$300.00} fromy account and had the bank to freeze my account for XXXX XXXX. I contacted the bank and they told me to contact Tower Loans. I contacted the manager and asked her to release my funds on XX/XX/2019 She was extremely rude, unapologetic, and said that she was told my funds were protected but that she could release the funds back to me whenever she wanted to then hung up the phone on me. She refused to talk to the bank representative or release my funds. I had already dealt with Tower Loans manager when she came to my house to repossess the collateral furniture I had bought through the loan company. I brought the items to her to satisfy the {$300.00} remainder on my loan. There was a couch, rug, and two bed frames. The manager said she could not take the items in her car that day bout would return with a truck. She never came back and instead garnished my account month after month. I was not protected by my bank XXXX XXXX whom I have banked with for over 10 years. Tower Loan is deceptive. I had XXXX perfect loan histories with Tower loan but fell on hard times with a mere {$300.00} balance and they refused to work with me and decided to mess up my accounts placing holds, holding money I needed to pay rent, buy diapers, and feed my children. Tower Loan on XXXX XXXX in XXXX XXXX XXXX not a good company to work with.

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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: MA

Complaint narrative:
Hello my name is XXXX XXXX I get XXXX and money is disappearing out of my account I get a certain amount and before I could even get to the atm money was missing so I left a certain amount that dissapeared last 4 5 months someone is taking money I dint know what to do but I'm positive I'm being stolen from can you help XXXX I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have submitted more than5 applications with have all been denied. When talking to my loan company the stated that my 2 nd application placed with them was denied because working for XXXXXXXX XXXX and XXXX XXXX was not income. So I spent months finding two different jobs and I reapplied. Since then I have been lied to, denied again and have been told that now since I make {$4500.00} a month I still don't make enough. I made less money when I got the home and have been calling the loan company every day they still haven't told me why I'm denied even though they said they cancelled the for sale on my home and I was approved. Now I'm denied for not enough income and no one will talk to me what do I do now I call everyday please help me

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 2019-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent a dispute letter to TransUnion XX/XX/2019. The USPS Certified Mail dispute letter was delivered and signed for on XX/XX/2019. TransUnion has not responded to the dispute or acknowledge that the dispute is being investigated. According to the FCRP, the bureau ( s ) have 30 days to respond to a dispute, and it's been past the 30 days.

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