vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX or XX/XX/2019, Wells Fargo bank debited my entire personal checking that at the time had an available balance of a little over {$1300.00} in the account to offset a past due credit card payment that I had with their bank. By doing this it caused further extenuating financial hardship for me which led to me filing bankruptcy so that I can keep my home as the available balance at the time was part of my mortgage payment. 

I'm filing a complaint because I'm just recently learning that it was unlawful for Wells Fargo bank to offset an owed credit card payment from a deposit account. I was unable to email the company 's escalation department directly to file my complaint due to my account is now closed with the bank.

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 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened up a 0 % APR credit card with capital one. When I applied for the card they did not make it clear that I would be still making minimum payments. I have used similar cards before for credit transfers and this was not the case. Missing the first payment is when I found out. As soon as I discovered the clerical error I payed the minimum and contacted the bank but they refused to work with me to take the derogatory mark off my credit score. This is my only missed payment in all my years of credit and this has dropped my credit over 100 points. I am submitting my latest credit report to show my credit history and to hopefully be able to resolve this by taking the derogatory mark off as it was a clerical error that was fixed as soon as it was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
I am currently enrolled in the Public Service Loan Forgiveness Program and am two years away from fulfilling a ten-year agreement. I need written confirmation from my loan holder that I am PROPERLY enrolled in the program, and that the loans I have under the plan ARE eligible for forgiveness. I have spoken with them repeatedly over the years and only received verbal assurances that I am properly enrolled and on track, but I want written confirmation to protect myself in two years when I should be done with this debt. 

99 % of people who are enrolled in the PSLFP are rejected after fulfilling their obligation because a loan provider either mislead them regarding their eligibility, or just outright lied. I need written confirmation from FedLoan that I AM properly enrolled, on track to fulfill my obligation, and that they will NOT reject my loan forgiveness after a solid decade of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Delta Management Associates, Inc.
State: IN

Complaint narrative:
I received a call today from Delta Management Associates regarding a defaulted student loan. I asked why I was getting a call when the CARES act suspended all collections on federal student loans. I was told my loans were not included in the CARES act and collections will continue. 

I was called from XXXX and spoke with a man at approximately XXXX central standard time.

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 2020-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2011 Westlake Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Westlake Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.

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 2020-11-05 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: ORG GC GP BUYER, LLC
State: MN

Complaint narrative:
My attorney filed Bankruptcy on my behalf on XXXX XXXX which was discharged on XX/XX/XXXX. 

The attorney contacted XXXX XXXX with this information as they were included in my Bankruptcy discharge as one of the creditors. However, XXXX XXXX, continued to send me bills on the third of each month long after the Bankruptcy filing and Discharge. 

The attorney reached out to XXXX XXXX on XX/XX/XXXX, via a typed letter, asking for all payment attempts to cease and reminded the company that what they continue to do is a violation of the stay and may be actionable pursuant to XXXX XXXX k ) or as contempt of court if they persist. 

I visited the XXXX  XXXX  store on XX/XX/XXXX and I spoke with XXXX XXXX who was a XXXX  Consultant and provided me with a ticket number and said that I would receive a call from XXXX  XXXX " Legal Team ''. I provided my bankruptcy case number and I received ticket number : XXXX. This was supposed to clear up everything since my bankruptcy was filed but that did not happen. 

Moreover, I returned to the XXXX XXXX store, on XX/XX/XXXX, to surrender the XXXX XXXX XXXX  and to get an update on the continued billing situation after my bankruptcy filing. I worked with XXXX XXXX who is a XXXX  Consultant. I provided my bankruptcy case number information to the representative but was told that they could not accept the XXXX XXXX XXXX because it was damaged, and the return period had passed. I explained that this was not a traditional return but equipment that I had wished to return because it was included in my bankruptcy filing. This didn't make any difference and the phone was not accepted. I received ticket number : XXXX on this visit to the store. 

I continued to receive bills that grew larger each month although I was not using any XXXX XXXX services. 

Ultimately, I received a letter dated XX/XX/XXXX from XXXX XXXX an account representative for GS Services, a collection agency, which is in XXXX, Texas. This letter was sent on behalf of XXXX XXXX. The letter states that I currently have an overdue balance of {$580.00}. 

XXXX XXXX has continued to bill me each month although my bankruptcy was filed and then discharged. I continued to receive bills each month from XXXX XXXX although any monies owed were included in the Chapter XXXX Bankruptcy filing and the debt owed was discharged. 

XXXX XXXX has continued to bill me each month for cell phone service that I have not used, consequently, the bills grew larger, so each month a bill would be even more money than the previous month even after my cell phone account was switched over to a completely different wireless provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have contacted Pentagon Federal credit Union three times in an effort To eliminate the PMI on my mortgage. 
I submitted an online request XX/XX/2020. 
I wrote a letter XX/XX/2020, And my final letter was dated XX/XX/2020. 
I am attempting to ask Pentagon Federal credit Union how the PMI on my home loan can be eliminated.

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 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX is trying to collect on a credit card debt that is not mine and they refuse to send me proof of the application where they claim I took out the card. The card they are referencing was a company card I was authorized to use but was not my debt/card. I have asked for proof this is tied to my social security number and they can't provide me with anything. They are merely linking my name to my personal credit cards with AMEX and trying to pass the debt off as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XXXX XXXX apparently was given my closed XXXX account to collect a Balance. At the time we switched to a much less expensive service I personally verified that there remained no open balance on the account. We were later sent boxes to return XXXX XXXX 's equipment which was also done. 

I was notified of a drop in my credit score which was abnormal. My score hovered around perfect and had suddenly dropped by over 100 points despite my having no unpaid balance other than my mortgage and no late payments. I found XXXX  XXXX on the credit report as an account in collection for {$750.00} and in small print a notation re XXXX XXXX. I submitted a dispute through XXXX. They closed the dispute saying XXXX  XXXX had certified it was proper. However if looking at the XXXX report today there is no longer anything shown for XXXX XXXX. I also checked XXXX  and did find XXXX XXXX. I've spent a lifetime making every effort to keep a high credit score and to be negatively impacted for a debt I don't owe just seems criminal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Was not notified of investigation status or results
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I called and spoke with XXXX, he said XXXX do not allow credit deletion. I try to explain to him that this was sent to collections by mistake. XXXX confirm that they sent the bill to the wrong address. I then ask to speak to a supervisor and he disconnected the call. 

I call back making this call number 2. Spoke with another representative that told me they try calling me and got " wrong number " this is XXXX my phone number is not wrong and is still working. When I asked to speak to supervisor again they disconnected the call for a second time. 

I find this to be rude and very unprofessional. Should not be hung up on just because I want to settle a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a credit card with Synchrony Bank/Mills Fleet Farm in, I think XXXX or XXXX of XXXX. I say I think because the only correspondence I received from Synchrony was the actual credit card. I made a purchase, I think for about $ XXXX, when I opened the card but NEVER received a statement. Suddenly I received a notice from an agency that took over the debt saying I owed {$340.00}! I am very upset that I never received a statement, yet Synchrony had my mailing address and has added fees and interest. I mailed Synchrony a letter on XX/XX/XXXX about this but never got a response. I called them in XXXX and they told me I had to talk to the agency that took over the debt. They would not discuss the matter with 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 non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I initiated the process to refinance my mortgage with the existing servicer, Pennymac. They have not communicated with me in many days -- weeks, even -- and my repeated email inquiries requesting an update, such as information about closing on the loan, have gone unanswered. I fear they are trying some sort of trick to delay my closing in order to exceed the lock period and thereby deny me the promised rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
IN MID XXXX I TRIED TO START AN INVESTIGATION ON MY NEIMAN MARCUS CREDIT CARD ACCOUNT. I WAS GIVEN THE RUN AROUND AND MISS INFORMATION FOR A WEEK. I FINALLY SPOKE WITH XXXX IN THE CREDIT DEPT WHO TOLD ME TO OVERNIGHT A LETTER TO XXXX AT XXXX. XXXX XXXX, XXXX, TX XXXX. THE LEETER WAS DELIVERED ON XXXX XXXX, XXXX. NUMEROUS PHONES WERE MADE. I SPOKE WITH MS. XXXX, XXXX, XXXX, AND XXXX. ON XX/XX/XXXX I WAS TRANSFERED 7 TIMES BETWEEN NEIMANS AND CAPITAL   ONE WITH NO ANSWERS AFTER BEING ON THE PHONE FOR OVER 1HOUR. 

MY ISSUE IS THAT I AM TRYING TO REFINANCE MY HOME AND TAKE MY EX HUSBAND OFF OF MY MORTGAGE. THE ONLY THING HOLDING ME BACK AT THIS POINT IS 1 30DAY LATE PAYMENT TO NEIMANS FROM XX/XX/XXXX. THIS WAS AVERY STRESSFUL TIME FOR ME. MY DAUGHTER CAN BACK FROM XXXX AFTER THE HOLIDAYS AND HAD HER XXXX  XXXX XXXX XXXX. 3DAYS LATER SHE BECAME XXXX  XXXX  AND I HAD TO TAKE HER TO THE EMERGENCY ROOM. SHE HAD XXXX  XXXX  XXXX  SYMPTOMS INCLUDING XXXX  XXXX, XXXX  XXXX, AND XXXX. THIS WAS BEFORE WE KNEW A LOT ABOUT XXXX  XXXX  OR THAT IT WAS IN THE USA. BECAUSE I WORK IN XXXX I WAS AWARE THAT XXXX  AND MY XX/XX/XXXX XXXX  XXXX  FOR THE XXXX  IN XXXX. 

ALL I AM ASKING IS FOR THIS ONE MARK TO BE REMOVED SO THAT I CAN GO ON WITH MY LIFE AS A SINGLE MOM THAT HAS PUT XXXX  GREAT CHILDREN THROUGH COLLEGE SINGLE HANDEDLY AND AM NOW READY FOR MY NEXT CHAPTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I applied for a line of credit to finance my furniture. The products I received malfunctioned shortly thereafter, and I cancelled the order and returned the items. I no longer have an account, nor am I associated with this company in anyway.

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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: MS

Complaint narrative:
XXXX XXXX, I received a letter from NATIONWIDE CREDIT CORPORATION about a alleged debt of {$390.00} that i do not owe, so on XX/XX/2020 i sent them a certified letter requesting the validity of the alleged debt, a copy of the contract or agreement from the original creditor, and to cease and desist all activity.I haven't gotten a response from them as of yet concerning this debt.a copy of the letter is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My CA XXXX prepaid Bank of America card was digitally hacked and all funds were drained, the total amount being {$1800.00} on XX/XX/XXXX. I filed a claim through the company on XX/XX/XXXX and on XX/XX/XXXX received a letter that the claim had been open. On XX/XX/XXXX I was issued a temporary credit for the full amount of {$1800.00}. 

I received a letter XX/XX/XXXX stating the claim was investigated, approved, and closed. The claim I filed had proven to be fraudulent activity. 

XX/XX/XXXX Bank of American made an adjustment debit to my account for {$1800.00}. 

On XX/XX/XXXX my XXXX deposit for {$270.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

On XXXX took my XXXX deposit for {$540.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

My current balance is - {$1000.00}. 

I have called the phone number for customer services and they direct me towards the claim department. The claim department has keep me on hold for hours each day and I have never gotten through to anyone to resolve this issue. 

Reading online, this appears to have become a common practice from Bank of Americas XXXX Pre Paid Card program, I am not expecting for any resolve in the near future and I will continue to have my unemployment benefits stolen by the company long after they declared my claim closed and reimbursed me for the fraudulent activity.

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 2020-11-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. The following automated response was sent back : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED.

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online. '' May I refer to a previous complaint # XXXX that was filed for this exact same issue with this credit card company. In their response, I was advised that these security measures were not needed and that their office had notated my account accordingly with regard to the travel notification. Unfortunately, I am finding myself with this same problem and their last message was " we'll get back to you. '' I will be leaving on my trip on XXXX. 

For this reason, I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint. ''

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and XX/XX/XXXX still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for XX/XX/XXXX is XXXX and there is no way that it can be verified when it is non existent.

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 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
For the last year I have been receiving my Direct Deposit from XXXX XXXX XXXX  every Wednesday just before midnight. 
I have spoke to chime about the issue but this is a widespread issue that has not been resolved. I have two payments due on an installment plan. Chime is unable to give me any information on the status of my deposit. 
I have incurred multiple late fees with my creditors due to this issue. 
I was advised to wait a few days but being that these installment plans are in place I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I have sent HMC GROUP letters on XX/XX/2020, in which they didn't response, and recently on XX/XX/2020 about 3 different alleged debt of XXXX, and XXXX $ that are not mine.I mailed them off certified mail/return receipt for my record.This is stressing me out and causing me from accessing a house with the negative items on my report.I have attached copies below of the letters that i sent.

Company response to consumer: Closed with explanation