vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
i have explained to creditor Portfolio Recovery Associates LLC that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from XXXX XXXX showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXX XXXX ; XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
My car depreciated extremely over the course of one year since I had bought it. No one would refinance me, and bmw refused to help me after calling for a month and asking for some sort of bail out. I decided to voluntarily repossess my car. I left it at a bmw dealership, faxed back the paperwork that was asked of me and left it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TX

Complaint narrative:
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Heritage Financial Group, Inc.
State: IN

Complaint narrative:
I have been dealing with Heritage Acceptance Corporation for over a year in paying a debt owed. XXXX contacts me by text as well as calling my employer numerous times on the same day. For instance I have received 2 phone calls today XX/XX/2018. On XX/XX/2018, she called me 3 times with respect to a debt. The company has my cell number and can contact me by that phone and/or texting, but continue to call my work which is harassment. 

XXXX tries to get forceful on the phone indicating that my wages will be garnished if I don't make payments. I had to correct her and state that can only be done if a lawsuit is filed. 

With regards to payments, I have consistently made payments for the last 3 months for at least $ XXXX month and that is showing good faith payments, therefore they can't pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear CFPB : I desperately need your assistance. My home is in foreclosure. I had a short sale approved since XX/XX/2018. The buyer and I have been ready, willing and able to close this matter but have been unable to do so because of my lender. Attached is a claim for {$45000.00} which came up during my title search. My insurance company issued a check for damage for {$13000.00} and was not aware that the City of XXXX XXXX ordered the garage demolished as it was a danger to the public and could have collapsed. XXXX XXXX upon reviewing the claim issued another {$18000.00}. My lender is holding over {$31000.00} issued by insurance carrier which should be used to pay my property claim. If they do not pay this claim the City of XXXX XXXX will put a lien against the home and me as the owner for {$45000.00}. My attorney for over 4 weeks has been attempting to resolve this matter. They keep sending her to property loss then to hazard insurance department then back to home retention department and on and on it goes. We are now 13 days from my closing deadline and I am simply getting no where. Not only am I facing my credit be permanently destroyed by having a foreclosure sale instead of a short sale on my credit, but this procrastination is opening me up to {$45000.00} in liability to this contractor. Please help me as soon as you can.

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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a personal relationship premier account with wellsfargo. I also have my daughters ' accounts linked to my account. They said when opening the account that since I have an account with minimum balance requirement of XXXX, some fees etc., wiill not be charged for my account and my daughters ' accounts. 

For just getting a temporary check leaf so that she can give that to her employer for direct deposit information, they charged {$3.00}. When I asked that the fee be refunded, they said they can not waive that fee. 

To give a temporary check leaf the charge of {$3.00} is atrociously high. They did not properly inform my daughter about the fee and she was under the assumption that any fees will be waived because of the premier account status.

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 2018-06-13 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: OH

Complaint narrative:
On XX/XX/XXXX I mailed Transunion a certified letter disputing the accuracy of the bankruptcy on my Transunion credit report. I received Transunion 's dispute result, file # XXXX datedXX/XX/XXXX, which stated the following : Page 1 of 5 states - " In the pages that follow you will see your detailed investigation results, including the business name and contact details of the source of the information. '' Page 4 of 5 states - " Ohio Federal Court -  XXXX '' along with their docket #, address and phone number. On XX/XX/XXXX at approximately XXXX XXXX I called Transunion to ask if they contacted the court directly to verify the bankruptcy information. XXXX XXXX was who I spoke with and she stated that Transunion verified with the court. This is a FALSE investigation because I have an official letter from that U.S Federal Court stating " Please be advised that the Clerk 's Office does not report any information to the credit reporting agencies. '' Transunion did NOT contact the court as they stated in the dispute result and I am asking that the bankruptcy be removed from my Transunion credit report due to the dishonest investigation done during this dispute. I have attached the Transunion dispute result and the letter from the U.S. court.

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 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
I have been a victim of fraud and need to stop all ACH payments with this company. 

RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & E Futures LLC
State: IN

Complaint narrative:
Per notification letter from XXXX XXXX XXXX states they will collect interest, late charges, and any other charges that may vary from day to day. Under the fair debt collection laws Section 808 ( 1 ) it states they can not misrepresent the amount of your debt or collect any amount greater than your debt. XXXX XXXX XXXX are being misleading with the amount of debt that is supposedly owed.This company has violate the fair debt act and my rights as a consumer in there notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
My vehicle was totaled, i have Gap insurance everything was reported on time to the finance co. and to my insurance co. and they are telling me that i still owe them over {$1200.00} and i was never late with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased an Official Check ( # XXXX ) for {$12.00}, XXXX against funds in my checking account to pay my property taxes. On XX/XX/XXXX I called Citibank 's customer service to place a stop on the check because it never reached its destination. I was told I had to do it personally at a branch. On XX/XX/XXXX, I went to the branch ( XXXX ) where I purchased the check. I was told I had to fill out forms and that it would take 90 DAYS before I got my money back. When I asked why it had to take so long I was told that was the policy ( with no explanation as to why ). The banker did mention it would be faster if I returned the actual check. The bank would then just re-deposit it into my account. I left with the forms and spent the next two weeks trying to recover the check via the US Postal Service, but I was unsuccessful. On XX/XX/XXXX I returned to the branch with the stop payment forms filled out. The banker took the forms and informed me that it would cost me {$30.00} to process the stop payment. Later that day the banker informed me that I would have to deposit {$5.00} to my account to process the stop payment. Later that evening I deposited {$12.00} via an ATM machine. On XX/XX/XXXX I emailed for an update and was told that the stop payment was being " re-processed ''. Four days later on XX/XX/XXXX I received another email stating that my stop payment order had not been processed because I had not deposited any money as instructed. This is the worst customer experience I've ever had with a bank. There has been no effort to be helpful to me. First, Citibank insists on essentially holding MY MONEY hostage for 90 days and now Citibank is dragging its feet to place a stop payment on a check for over $ 10K of MY MONEY. Why is a bank permitted to do this to a customer? This has been an unbelievably frustrating experience.

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 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I asked for Validation and the letter attached is what i received I want the actual contract that i signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. 

When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. 

I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. 

XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. 

I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.

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 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In regards to a XXXX  small business card I have called to make sure was active. I was told the card could be used at XXXX XXXX, I went in for service and discriminated against. The video can be downloaded for free as a guest at this link - XXXX XXXX XXXX Futhermore the credit card company has provided false advertising in regards to the terms and use of the card.

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have explained to creditor XXXX XXXX XXXX XXXX that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from capital one showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXXXXXX XXXX ; XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have lodged a dispute with XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and most recently in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX XXXX says XXXX. And Equifax can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX   and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX  or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the 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