vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-16 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXX-year-old son and I were reviewing the transactions in his Wells Fargo savings account ( which is linked to my account ), since we were puzzled by the low balance. He insisted that he had not made one of the ATM withdrawals that was shown, although it was the ATM that he usually goes to. I called Wells Fargo, and they said they would look into it. A day or two later, I received the attached email saying that the investigation was complete and that they had " determined that an error did occur. ''

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 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has been calling me and all my family members on their cell phones continuously. They are calling my home all day long. I have tried talking to them, but are rude and not willing to listen. This is over a ten year old account, when I was laid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: PA

Complaint narrative:
I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have had an account with Sears Card services for about 7 years. This past year, I discovered a fraudulent charge on my account. I reported it immediately and they promptly credited my account. Thereafter, it appeared to me that my account was credited beyond the amount I had disputed so I called to report it and they mentioned there was no issue. We had a sick pet which needed XXXX last fall and I used the card to pay for the fees. 
Having misplaced my card soon after or before the XXXX ( I can not remember ), they cancelled it and reissued a new one which apparently resulted in a myriad of charges related to the disputed charge in XXXX of 2016 either reappearing on my account or being credited to my account. There was so much back and forth with this XXXX charge that I honestly have no idea how much I should have owed based on the things I know I have used the card for that I feel like I have since overpaid the amount of initial credits to my account. I do not trust Sears at all. They performed an audit on the account a couple of months ago and swear it is resolved, but I am now also paying interest on the amount they had credited my account and since reversed the charges on. Those interest charges have been reversed one time when I called but appeared on my last statement. Overall, it is very shady and I wonder if this is a true error one off type of thing or if other consumers are experiencing the same issues.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is allowing numerous accounts to remain on my credit report some well past the date they should have dropped off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
A dispute and cancellation request due to faulty installation provided by XXXX ; XXXX ; XXXX ( " XXXX '' ), arose within 3-days of installation. After failed attempts by XXXX to rectify the installation issues, XXXX representative retained approval and agreed to credit the account in full and the account was then presumed closed. All items ( i.e. receiver boxes, remote controls, etc ... ) were returned with the provided box within the specified time frame requested by XXXX.

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 2017-04-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: F&L Marketing Enterprises LLC
State: VA

Complaint narrative:
I inquire about this loan, the explanation was i already paid the loan and it not even going toward the payment, so i been laid off as of XX/XX/XXXX/17 waiting for the unemployment to se if i am qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NH

Complaint narrative:
BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have been contacted multiple times by a collection agency that goes by RS CLARK & ASSOCIATES. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase incorrectly applied my XX/XX/2016 payment towards my balance getting charged 12.24 % interest. They are also not applying my extra payment ( in addition to the minimum payment ) towards the balance that is still accruing interest. This has been happening since XX/XX/XXXX and I have made several payments over the minimum payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
We have a loan with Umqua bank. They automatically retrieve the monthly payment from our bank account. They retrieved the monthly payment twice this month. They admit that they have accidentlly taken the monthly payment twice, however they have yet to refund the payment.

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 2017-04-14 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom this may concern. 
I have on multiple occasions attempted to file disputes by phone with Transunion regarding multiple hard inquiries on my Transunion credit report. Each time that I have attempted to file a dispute I am being told that I have to contact the creditors to have the inquiries removed. When I contact the creditors they advise me that I have to dispute them with the credit reporting agency. Transunion representatives will not allow me to file a dispute regarding the hard inquires that I did not authorize. This is an unfair practice and it is affecting my credit negatively and that is the reason for me filing this complaint. The inquires are not authorized by me or a result of me requesting credit, insurance or employment or the result of a court order and I want them removed. Immediately. 

XXXX XXXX XXXX XXXX

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 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
When I signed for the loan through XXXX said the loan was for 15 years. I needed a cosigner at the time. After repairing my credit I tried to have the co-signer removed only to be denied. My cosigner passed away and I submitted the certificate of death and they have still yet to remove her ( it 's been over a year ) Navient said a law firm XXXX would contact me. No letter has ever come. In this process I found that when XXXX sold my loan to Navient they changed the time period to 21 years. My loan was for XXXX and they did n't apply anything to the principal until just recently. After the loan is paid in full I will have paid XXXX dollars for a XXXX dollar loan. I 'm half way through repayment and my payment is XXXX dollars a month which is on auto debit. It 's more than my car payment. Everytime I have emailed they show no track record of it in the Online inbox and have yet to follow through on the co-signer issue as well as sending me a original copy of the XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Monday Capital one called me saying they may repossess may car because I have n't made a payment in a month. In XX/XX/2017, I made an agreement with them saying I would pay the balance by XX/XX/2017. In XX/XX/XXXX I became ill and need medical care. In XX/XX/XXXX had medical procedure and in the coming months will have surgery.When they called me on Monday they also said I had 10 days to make a payment of XXXX. I told the person on the phone I could not make any type of payment because I have outstanding medical bills. In XX/XX/XXXX, When I made the agreement with them nobody said if I did n't pay off the balance that my car would be repossessed they ONLY said, MY CAR WOULD BE CHARGED OFF. Capital One uses HARASSMENT TACTICS, UNETHICAL AND ILLEGAL BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CT

Complaint narrative:
I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Last month I informed Capital One Auto Finance that my pay dates had changed which would affect my direct auto pay for my vehicle loan. I requested that my XX/XX/XXXX payments begin on XX/XX/2017 and every other Friday thereafter ( XX/XX/XXXX and so on ). I was very clear in my request and was assured that the direct debits would take effect on the above dates. On XX/XX/XXXX, Capital One debited my account in error which overdrew my checking account. I contacted Capital One hoping they would IMMEDIATELY correct THEIR error. I was told that the call that I made to them in XX/XX/XXXX requesting the change would have to be listened to so that they could confirm that a bank error had occurred on their end in debiting my account on an unauthorized date. After they confirmed that this was the case, I was advised that they would return the funds to my bank account. While speaking with Capital One on my landline, I called XXXX on my cell phone. I advised them of the reason for the overdraft and the assurance from Capital One that the funds would be returned to my account. I was told by XXXX that a note would be added to my account so that when the overdraft fee hit my account, once Capital One returned the funds, XXXX would reverse the overdraft fee ( no fee for me and none for Capital One ). I am so upset since the funds have not been put back in my account yet. Yesterday, Tuesday XX/XX/XXXX, I called Capital One to ask why the funds had not been placed back into my account and I basically received a weak response that it POSSIBLY would take place tomorrow ( which is today, Wednesday, XX/XX/XXXX ). Well, that did n't happen. I am writing this complaint for two reasons. Capital One is a XXXX dollar financial institution, it is UNACCEPTABLE and totally UNREASONABLE that when they make an error of {$130.00} that they can not IMMEDIATELY correct that error, especially when they have caused harm to their customer. Also, it is equally UNACCEPTABLE and UNREASONABLE that the harmed consumer is expected to wait an ADDITIONAL time frame when they are to be reimbursed for bank overdraft fees ( if the financial institution issuing the fee is unwilling to reverse the fee due to an unauthorized debit that overdrew the account ). Hopefully by the time you receive this complaint, the entire issue will have been resolved, but that does not negate the fact that a bank of this size is able to conduct business in this manner. I did inform Capital One that I would be filing a complaint with the appropriate regulatory agency which oversees their business activities. This is an unacceptable policy that NEEDS to be addressed. Please reach out to Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased several items at Macy 's with their store credit card and there was some confusion about what exactly was owed due to an overlap in purchases and returns. I was therefore charged late fees and interest charges on my XXXX 2017 bill. 

I called the company in XXXX to discuss the situation. I was agreed I would be given a {$120.00} credit, if I paid my balance in full. I went to a nearby Macy 's and wrote a check for the amount of {$7100.00} on XXXX XXXX, which was cashed and should have brought my balance to {$0.00}. 

In XXXX I received a bill for {$32.00} in interest charges. I called the company on XXXX XXXX, and talked to operator XXXX. It was agreed that the charge should not have been made and that a credit would be issued to bring my balance to {$0.00}. 

In XXXX XXXX I received a bill for {$61.00} for the past balance plus new interest and fees. I called the company on XXXX XXXX and talked to operator XXXX. It was agreed that the charge should have not been made and that a credit would be issued to bring my balance to {$0.00}. I also requested that my card be cancelled and that I be sent a letter stating my balance was {$0.00}. The card was cancelled and a letter was received to that affect, but there was no mention of my balance being settled. 

In XXXX I received a bill for {$98.00} for the past balance plus new interest and fees. It 's therefore obvious at this point that the company is not adjusting my balance as agreed to on XXXX separate occasions.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.

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 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # XXXX

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