vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX My mortgage was recently transferred by XXXX XXXX XXXX  to Wells Fargo XXXX XXXX for servicing. 

After initially successfully creating my account per Well Fargo XXXX XXXX XXXX instructions mailed by post, I got locked out of my account. 

No one was able to figure out how to unlock my account and reset my password. 
Furthermore, they verbally specifically directed me to enter my SOCIAL SECURITY NUMBER as my username into an UNENCRYPTED short text data field on their website. 

I am still unable to access my account, makle a payment, view my personal information, or verify that they have taken proper measurement to safeguard and monitor my account and personal financial information

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 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Seterus, Inc.
State: NJ

Complaint narrative:
This account is not being reported on my XXXX credit report and it 's affecting my credit.

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 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MA

Complaint narrative:
National Recovery Agency for the amount of {$2200.00}. I have sent National Recovery Agency a debt validation several times with no response. This item does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.

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 2017-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
In XXXX, at XXXX XXXX XXXX, XXXX XXXX, offered me a credit card with {$7200.00} limit. I maintained my account in good standing until XXXX, when I became unable to afford my payments due to hardship from unemployment. XXXX XXXX would not work with me for a hardship program. My account was sent to collection and XXXX XXXX would no longer speak with me about the account. The collection company added interest and fees that totaled over {$13000.00}. I could not afford the {$7200.00} balance, so {$13000.00} was incomprehensible. I was forced to allow the account to sit in collection. The account is reporting monthly to credit companies with a full balance of about {$15000.00} due. This is hurting my credit and my attempt to purchase a home. My financial situation improved in XXXX, but XXXX XXXX still will not work with me. I spoke with the collection agency and they submitted a settlement offer of {$7200.00} ( original balance owed ) on my behalf and XXXX XXXX countered with over {$9000.00} which I could not afford. I entered a payment plan and have paid consistently monthly since XXXX XXXX. However, the company is still reporting a full balance of over {$15000.00} due monthly and refuses to acknowledge the payment arrangement or payments being made.

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 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: LA

Complaint narrative:
AFNI sent me a letter they were trying to collect on a debt for XXXX XXXX. I then mailed in verification that the debt was considered paid in full by XXXX sending AFNI a copy of the letter sent to XXXX  along with the cashed check paying the debt in full. I then received another letter attempting to collect in XXXX XXXX XXXX. I then called the company and advised them that I already sent in info showing this debt was paid in full per an agreement with XXXX XXXX. I put in another dispute with the rep on this day. On XXXX/XXXX/XXXX I get notification that AFNI has added the account to collections. I have not received anything back from my dispute showing the balance was pd or the dispute I put in with the rep on XXXX XXXX, XXXX. AFNI is not practicing fair collecting or reporting on my behalf nor is XXXX XXXX because the account should be marked as paid in full as included on the payment I sent XXXX on the check itself and on the letter mailed it clearly stated upon XXXX cashing my check they in fact agreed the account would be considered paid in full and the account would be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates, LLC for the amount of {$280.00}. I have sent Portfolio Recovery Associates, LLC a debt validation several times with no response. This item does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
A collection organization contacted me and asked if I was the XXXX XXXX residing at a 15 year old address for a medical debt at a hospital I have never been to for a person I do n't know. I informed them it was not me. I had not been contacted prior and now I see it on two of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX with XXXX XXXX XXXX at phone number XXXX is harassing third parties connected to me by constantly calling them to obtain my location information after they have informed her that they do not know any of my information.

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 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from my credit report.

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 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX for the amount of {$340.00}. I have sent XXXX XXXX a debt validation several times with no response. This item does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 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: MA

Complaint narrative:
Portfolio Recovery Associates, amount of {$920.00}. I have disputed this item several times and Portfolio Recovery Associates has not responded. Portfolio Recovery Associates has reported this information to my credit reports as this information does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOAN TO LEARN
State: IL

Complaint narrative:
I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.

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 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX tried to collect a debit in the amount of {$420.00} for a credit card and have reported the collection account to XXXX, XXXX, and XXXX. XXXX XXXX volutary surrendered its license in 2015 in the state of tennesse. I attempted to disputed this company on several occasions and they continue to attempt to collect this debt and I want them off of all of my credit reports asap as they are hurting my credit profile immensely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation