vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Back in late XXXX I attempted to close a retirement account with Wells Fargo. The account was funded by XXXX XXXX by way of a weekly prevailing wage contribution, which began in XXXX of 2015. The account amassed a little over {$16000.00}. When I inquired with the account representatives via phone calls about closing the account they told me the account had a loan balance of approximately {$300.00}. The amount outstanding would be deducted from the balance as well as a {$40.00} service fee, and finally AFTER their deductions a 20 % Federal income tax fee would be calculated from the net amount. The loan had already been paid in full, so this was a flat-out LIE. Since this time I have observed the account still having a balance of {$300.00}. So I called them to have the remaining {$300.00} sent to me. They said sure they would AFTER they again deducted another {$40.00} service fee and an additional 20 % Federal income Tax from the remaining $ XXXX.AGAIN THEY ARE SCAM ARTISTS. They claim to be a part of Wells Fargo but in truth they are NOT. Their phone number is : XXXX ... ... CONSUMER BEWARE ... ... ... ....

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested XXXX, XXXX, and Experian to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611.  Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like 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 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This complain is against : XXXX XXXX Visa Credit Card On Thursday, XX/XX/2019 I received an e-mail from XXXX XXXX Credit Card services notifying me of a possible {$10.00} fraudulent charge. I noticed my credit card was missing and I knew I had not made any recent purchases, so yes it was not me using that card. I proceeded to contact their fraud department and they said they would be cancelling the card and sending me a new one.  Today, a full week after I made that call, I realized that I still had not received my new credit card and then I get an e-mail from XXXX stating that XXXX XXXX had closed my account. When I called XXXX XXXX Credit Card Services to confirm and to request more information on why my account was closed, they proceeded to tell me that my account had not been closed. When I informed them that I had received notification and I could no longer see that account on my report, the they said that yes, my account had been closed due to fraudulent activity. They were not listening to me and were not answering my questions or addressing my concerns and they recommended I report them to the credit bureau if I had any issues. I want to know why my account was closed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this complaint because I filed bankruptcy to stop a XX/XX/2019 sale date and SPS sent me a letter saying that I could apply for a loan modification this week. I sent in the request for a loan modification via email yesterday. Today I recieved a letter from XXXX XXXX stating that SPS has put my house back in foreclosure as of XX/XX/2019. SPS told me that they would not let me send in bank statements and check stubs for the modification. I plan to contact an attorney this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac is extremely fraudulent and horrible and deliberately employs illegal and fraudulent practices : dualtracking, losing documents, changing contact persons and prolonging modification applications to get foreclosures and auctions. They also have a stupid " within 37 day policy '' to not accept short sale requests or any restorative actions from property owners.

PennyMac denied 3 offers to buy the property so that they could auction the property. We had a buyer who offered {$54000.00} over the payoff amount 1 week before the sale. They were also willing to cure the loan first then have enough time to get a loan for the property. We contacted PennyMac to obtain the loan payoff and amount to cure the arrears, PennyMac 's customer service manager XXXX XXXX said it would take 3-5 days to get this information although we pleaded that the auction date was 4 days away, he deliberately gave us incorrect auction administrator information and stalled the payment to cure the loan. 

The property was auctioned on XX/XX/19 but was not purchased so the property went back to the beneficiary ( bank ). PennyMac has caused us physical, emotional distress, and pain and suffering to my family. I am XXXX years old and XXXX. PennyMac received calls from our Congressman 's office as well as CFPB to stop the auction and allow the sale to proceed to which they stated that they could not and they DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2019 a letter was sent to me from XXXX XXXX, XXXX regarding a debt that is owed to XXXX Funding/ XXXX  XXXX XXXX, XXXX. I proceeded to contact XXXX Funding through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX XXXX  credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX ( XXXX ) XXXX. I had fraudulent transactions on my Citi AAdvantage card ending in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I notified Citi about those unauthorized transactions in XX/XX/XXXX. 

I sent proofs and evidences that I physically was unable to make those transactions ( I didnt and dont own a car, I also had the card in my possession the whole time ) but those transactions took place all over XXXX XXXX, XXXX, XXXX, XXXX, XXXX and even while I was outside of the country. I never made transactions outside of XXXX unless I was flying/traveling. I used my card at connecting airport ( XXXX XXXX ) while waiting for my connecting flight to XXXX, XXXX on XXXX XX/XX/XXXX. 

As mentioned, I sent proofs to Citi Fraud Dept ( via fax XXXX & certified mails ) numerous times in XXXX & XXXX. 
XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX and in XXXX : XXXX XXXX, XXXX XXXX The bank credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. But Citi still hasnt credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. On top of that Citi has been charging me late fees and interests. 

As of today XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX statement cycle, outstanding balance for fraudulent transactions and fees is {$790.00}. Numerous phone calls to Citi Fraud Investigation Dept XXXX and Citi Customer Service Dept XXXX but got nowhere with Citi. 

I have been banking with Citi since XXXX and no issues till last year. I always paid my entire balance by due dates. Please resolve this matter ASAP and credit my account for remaining fraudulent transactions on billing cycle XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. 

Proofs & documents are being sent to CFPB via fax XXXX ORIGINAL CARD : XXXX REPLACEMENT CARD : 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 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2019, at XXXX XXXX I sent {$850.00} on behalf of my neighbor from Regions Bank through XXXX to a scam web site to purchase a dog. I received a confirmation that the money was sent from both XXXX and Regions Bank in XXXX, Al. The next day my neighbor ( XXXX XXXX ) called to tell me it was a fraud because he had communicated with the seller ( " XXXX '', aka XXXX XXXX ) and they wanted another {$750.00} to provide an " air-conditioned '' shipping crate. At that point, I tried to contact XXXX which has no means for registering a complaint about fraud or a means to try to stop the ongoing perpetration of a fraud. They do have a " contact '' page but it doesn't handle complaints about fraud. The only email I got back from them stated, in essence, too bad, we don't guarantee purchases through XXXX ''. I then filed a report through the FTC, I3, and then attempted to file another report through the Regions Bank " online banking '' department. Regions told me the transaction hadn't " cleared '' but that I still couldn't cancel it even though I was alleging it was fraud.I filed a report with Officer XXXX of the XXXX County Sheriff 's Department ( # XXXX ), and went to the Regions Bank Branch I use at The XXXX XXXX XXXX near XXXX Al. They took the information and promised an " investigation '', and again told me if I sent the money it was out of their hands unless my bank account had been breached. If I allege a fraud has been committed, Regions or XXXX should have a system to stop payment to determine the facts. XXXX, in particular, should be forced by the Federal Reserve to have a method to try to catch fraud with input from the individual customers ( consumers ) of their service. The response shouldn't be " Tough, we told you not to send money to someone you don't know. '' They should be forced to try to stop fraud and to publish fraud losses on their web site compared to XXXX XXXX, and Credit Card Companies and banks.

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 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
From XXXX I have experienced repeated phone calls at my place of employment and a cell phone. I have informed the company to stop and they are not responding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NY

Complaint narrative:
Today, XX/XX/2019, I spoke to both, chat reps and phone reps to Discover credit card. I do love their services and features. I did get to transfer my balance with their awesome balance transfer feature and promotional APR of 0 % for 18 months. However, I figured Discover would allow more funds at different times to be transferred from other creditors which was my plan from the beginning. I wasn't aware that I needed another promotional offer to do multiple balance transfers on the same credit card. I never saw any rules or terms for that. I figured all creditors have the feature to perform balance transfer as long as its from other creditors and not within the same creditors. So the reps told me that I can not perform anymore balance transfers without a promotional offer from them. What's worse is that all reps confirmed that they do not know when the next promotional offer will show up in my account. They don't know and can't give a time frame. It's at random times, which is not clear. What criteria would I need to get another promotional offer? I feel that, they don't want customers to fully take advantage of their 18 month 0 % APR promotional offer which does help customers who want to be responsible for their debt. I was very disappointed with an ambiguous, arbitrary gray answer and ultimately I feel that Discover is more likely trying to burn off some time in months before allowing me to have this feature again so I can stay as their customer past their 18 month offer with the availability to transfer more funds halfway or later through the promotional timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed a collections agency by the name of Harris Ltd on my report dated XX/XX/2019. I was very upset at this information, so I looked them up on the internet and gave them a call. To my surprise they kept sending my call to different departments ... ... I finally was sent to a gentlemen by the name of Mr. XXXX. I informed him of my issue and stated I had no business with there company and I would be reporting them to the CFPB. When I stated what I had plan to do he said have a good day and hung up on me. I proceeded to call back and they kept transferring me to XXXX emergency hotline. The XXXX department had no idea why they sent me to them and the young lady I spoke with new who Harris and Harris LTD was. She told they were a debt collections agency that purchased debts and try to collect money not owed to them. I value my credit and I am proud to say I have not one collection account. I will fight this to the end and plan to sue in court after the CFPB finishes the investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently closed on a mortgage loan with Wells Fargo on XXXX XXXX. As part of the closing, I was offered a discounted single payment PMI amount and chose to proceed with this payment of {$4700.00}. The representative failed to inform me of all of the possible ways to remove PMI which would include reappriasing the property or refinancing. Witholding this information strictly limited my ability to choose the option that was best suited for me and indirectly led me to choosing an option that was favorable for the firm.

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 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech recently sold off our loan, and we have not heard from them or the new company. 

Currently, as of XX/XX/XXXX, Ditech is asking for excessive late charges, has something unique on my bill which is holding " funds in suspense of XXXX. I have tried to contact Ditech and make a payment but the account is closed, yet they are asking for a series of payments with a due date of XX/XX/XXXX. I have yet to hear from the new company servicing the loan. I am concerned that Ditech is racking up late fees, adding funds in suspense and making the balance as high as possible and then sending it off to another company. We had a major injury in the family and went to one income but we have a long history of being current. I would like to make sure that my payoff balance is fair and that I have not been taken advantage of in this transfer process. 

Why hasnt the new company sent me correspondence? 
Why is ditech sending me a bill with a future due date? 
What is " Funds in suspense '' Can you please make sure that Ditech has treated us fairly. We have been in contact with them and have been trying our best. They have 20 minute wait times and it is hard to get through

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2019 I sent this company letter asking for my credit report, and to update my information while deleting any other incorrect information on my report. **Will attach letter** It has been well over the time given under the FCRA for as compliance for this company to respond to this request. This request is nearly 30 days past due. By the time this complaint reaches the company it will be beyond 30 days past due. 

This company refuses to either send me my credit report. And/or correct these negative items. While it is possible they did not receive this letter, this letter was also sent out with 2 other companies who did receive a similar request and did send and correct this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have requested Transunion, XXXX, and XXXX to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like 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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested XXXX, Equifax, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.

Company response to consumer: Closed with non-monetary relief