vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I was trying to work with XXXX XXXX previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to Glasser and Glasser and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am currently in chapter XXXX bankruptcy. Wells Fargo has misapplied payments I have made for current monthly mortgage payments. Wells Fargo has represented on recorded phone calls they can't distinguish between payments I make monthly and payments the chap XXXX bankruptcy trustee makes monthly. 

My payments are for a full mortgage payment, this year I was told to pay XXXX beginning in XX/XX/2018, then in XXXX after filing a complaint, I learned Wells Fargo should've asked for the courts permission to increase my payment but did not do so until XX/XX/2018. They then withdrew their request for a payment increase-stating it was submitted in error and stated my monthly payments were XXXX effective XX/XX/2018. 

Trustee payments should only be applied to the pre-bankruptcy filing debt. Not current monthly payments. 

Wells Fargo did not begin accepting payment from me again until XXXX. 

These are the payments I have made in XX/XX/2018 Date Amount XX/XX/2018 {$4900.00} XX/XX/2018 {$1300.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XXXX Contacted by Wells Fargo Bankruptcy department to tell me the results of my audit that took place XX/XX/2018 XX/XX/2018, did not need to make a XXXX payment. Pay in XXXX. I had enough in unapplied funds to cover XXXX 's payment. POC XXXX XXXX-Manager. Was told it would take 72 hrs to post funds to my account. 

XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} Total Payments from me : {$14000.00} So I've actually overpaid my mortgage XXXX-XXXX-Where 's  that money showing on my account. 

Yet wells fargo has filed a notice with the court indicated I have not paid XX/XX/XXXX-XX/XX/2018. They are now trying to foreclose on my home even though I've been making monthly payments. This has been a reoccurring problem since being in bankrupty. Wells Fargo does not know how to handle accounts in Chapter XXXX bankruptcy. 

Now one of the reps who are assigned to my now 2 open CFPB complaints are returning my phone calls nor have they completed processing of my complaints. I have not heard from the latest rep assigned since XXXX even though I've left several messages. 

# 2-XXXX XXXX has given me inaccurate reinstatement quotes on my loan, usually XXXX plus dollars. Now suddenly a new note has been added to my statement showing my pre-bankruptcy debt was {$17000.00} and thus far {$9.00}, XXXX has been paid. I still owe {$7800.00} with is XXXX less than the reinstatement ( get my house out of BK and get back on normal payments ) So which figure is correct. 

# 3-I have two open complaints that have not been resolved since XX/XX/2018-now no one is returning my calls. Last contact was XXXX and I've left several messages.

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 2018-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for capital one credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OK

Complaint narrative:
Issues with Discover Price Protection Claim. 

I purchased a TV on XX/XX/XXXX for {$1300.00} using Discover Credit card with an online retailer. 
I noticed the same item was on sale on XX/XX/XXXX for {$1100.00} through a different online retailer. Rather than returning and re-buying, I decided to use the Price Protection benefit  offered by Discover Credit card for the difference in the prices which is {$250.00}. 
For this claim I submitted the following documents as requested by the Discover Benefits XXXX following all directions correctly. 
1. The Sale receipt showing the price I paid ( {$1300.00} ). 
2. Credit Card Statement from Credit Card showing that I used their card for purchase.

3. Lower-Price Ad ( Screen shot or scanned copy of advertisement showing the lower price ) - I submitted the screen shot showing the date that the item sale price.

I have 90 days to submit the claim. I submitted within the first month all the above. Now the Discover Benefits center is not processing my claim telling that items are missing. 
They sent an email saying this, " We were unable to verify the advertised sale price. Please submit verification of the sale price. The verification may be a written statement from the store manager on store letterhead, email, or chat session including item number, description, date, lower price and contact number '' If they required such things to process their Price Protection claim they should have mentioned these list in the first place. In terms and conditions they have not mentioned the requirement of any of these.

Now dating back I am not able to get the online vendor to verify the price for me. There is no use for me to resubmit the Price Protection with the same or different vendor as the prices have gone back up to {$1300.00}.

Although this Price protection feature is going to be discontinued from XX/XX/XXXX, I will be very reluctant to use any of the benefits that a credit card claims. 

Talking to the Discover Benefits center customer service or manager did not help as they keep repeating the same thing that they could not verify the price that I claim as they do not trust the screen shot from my computer. In that case they should not have the ask for screen shot to process the claim if you do not trust it. I am extremely unhappy about the way Discover is handling price protection claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. 

I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX   needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: WI

Complaint narrative:
This is in regards to my Discover credit card. It has a limit of {$7400.00}. My current balance is {$7200.00}. My total credit card debt is over {$15000.00}. I am currently unemployed and I am pursuing a different career path to better take care of my family. I have a son who is almost XXXX and a fiance. At my previous job of 6 years I was only making {$16.00} per hour or about {$35000.00} per year which ended in the middle of XX/XX/XXXX. I am currently cashing out my 401k to pay off some of these debts which is about {$18000.00}. Most of this debt came from the past 3-5 years. After our son was born, my fiance, did a 2 year XXXX XXXX at a local XXXX college. I paid for almost all expenses while she was in school. We didn't qualify for anything more than XXXX ( in Wisconsin ) as secondary insurance for our son. This kind of economic condition resulted in my current situation. I will take part responsibility as I could of been more careful with money. Back to Discover, I had submitted a secure message on XX/XX/XXXX through their website under the topic of " credit assistance request. '' Asking for help to remedy my situation and that I was exploring bankruptcy options at this time. I also included some details on my situation such as currently unemployed. I also opted out of automatic payments through this same message. The payments are scheduled on or around the XXXX of every month. I requested that the email me or send a secure message through the site and that we could schedule a phone call as it would be easier for me. These automatic payments have been going on for over 3 years now for the minimum payment amount. To my surprise, they still haven't gotten back to me and it's a good thing I had enough money to cover the payment from my last paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On Tuesday XX/XX/XXXX I sent a funds transfer of {$500.00} dollars using the XXXX   application on my cell phone to the wrong recipient. Those funds were never supposed to go in to her XXXX account but to another gentlemen whom I have previously sent money via XXXX with in the past. I have never sent a XXXX to the original sender in the past. On XX/XX/XXXX I reached out to XXXX who twice informed me I would receive funds back. One person told me it would take 3 days and the other only said it was being reversed. They requested that the person whom I sent the funds originally to contact them to confirm it was not authorized. The orignal recipient informed me they have not used their XXXX since XX/XX/XXXX due to an extremely poor policy XXXX had in place that allowed people in " circles '' to debit each other accounts without approval, in which caused an issue with her and another XXXX user. The original receiver of the funds owed XXXX a balance of {$600.00} dollars that does not pertain to me nor should I be held responsible. XXXX informed the receiver of the funds that they would not be reversing my funds back to me because she owed a balance, they also expected her to inform me of this information rather then reaching out to me directly to inform me they would not be giving me my funds back after telling me twice they would. I believe this is extremely poor ethics on this companies behalf as well as EXTREMELY BAD CUSTOMER SERVICE. On the original call made to have the funds reversed there is no mention of meaning to submit those monies to that person. If I as a consumer says that I placed monies in an incorrect place, it is that companies responsibility to ensure that I receive my monies back. I should never be held responsible for someone else monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
The company is XXXX XXXX XXXX. I received phone calls from this company daily sometimes two or three times a day. I have called them back several times requesting information on the debt so I can verify its legitimacy. The company has refused to send me any information. On XX/XX/XXXX sometimes in the XXXX oclock hour, I received phone call from them. I returned a phone call and the person on phone transferred me to a young lady who called herself XXXX. Again requested information to verify that the company is a legitimate company and the debt is mine. XXXX stated that I just need to send money and paid the bill. I told her that I was not going to send money to a company whom I dont know. I again asked her to send me information to verify the company and the debt. She again refused and said I needed to pay {$1100.00}. I stated to her that I was not sending money to a company that I was not sure was even a legitimate company. I also told her that the fact that she was refusing to send me information made me believe that she was a scammer. That made her angry, she started yelling insults and called me broke. I hung the phone up in her face. I am a professional middle aged woman. I refused to be harassed by this company. If they had sent the information and I verified the company and the debt, I would have paid it, I believe this company is a scam. If not their conduct is very unprofessional. Please address this issue and I appreciate your time in the matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: NY

Complaint narrative:
Contacted Equifax and XXXX at least 10 times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can Equifax and XXXX verify this?. Now if neither XXXX XXXX XXXX  nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE EQUIFAX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. XXXX already deleted this account months ago. 
Check the attachments to see XXXX XXXX  withdraw claim months ago and also a letter from credit bank as well recently stating they have nothing and should contact XXXX funding since the account was sold to them. Its impossible for Equifax or XXXX to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both Equifax and XXXX are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I applied for a VA loan through USAA, on XX/XX/2018for a home that was {$130000.00}. As I was working the process of the loan the home, I changed to a different house that cost {$130000.00} on XX/XX/2018. On XX/XX/2018 the VA sent USAA a copy of the certificate of eligibility stating that the total cost of the house has to be above {$140000.00}. After I paid to USAA {$440.00} for an appraisal, and the housing inspector {$280.00} on the XX/XX/XXXX. On XX/XX/XXXX, USAA mortgage processor contacted me and said they couldnt go ahead with the loan. Stating that the loan needed to be above {$140000.00}, so she raised the price of the house to {$140000.00} and sent me that part of the contract to sign. I questioned her actions and called the VA. The VA said that yes it has to be over {$140000.00} for the total loan not just house. Stating that the VA funding fee and any other expenses could be included. I asked about the energy efficiency upgrades, she stated as long as the total loan is above {$140000.00} than Id be fine. When I contacted the processor and let her know that those can be added to the total cost and that will get it above the {$140000.00}. She said shed work it and she sent another contract with the total cost at {$130000.00}. The USAA processor called me on XX/XX/XXXX, and said that the loan was denied and I needed more documentation to support documentation that was sent. When I asked her about getting the appraisal and inspection fees returned she said no because those are non refundable because the work was done. I questioned why wasnt I notified that it had to be above {$140000.00} prior to paying those fees she didnt provide answer. When I asked why not just add the energy efficiency upgrades to the loan, she said it was a new house, and that it doesnt need energy efficiency upgrades. The house comes with non energy efficiency appliances and still need a refrigerator. Later that day gave her additional supporting documents. She responded with and email stating that the difference in the {$130000.00} and {$140000.00} is only {$50.00} a month. To me it seems that it taking an additional {$9000.00} from the VA and paying it to USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern,  On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days  after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. )

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