vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have several balances on a Wells Fargo credit card which were can advances with 0 % interest. I was under the assumption when I make payments it went to the oldest advance first. I find out after making a payment to pay off an expiring 0 % rate that I had to wait a day after the expiration to pay it if I wanted my balance paid off. So paying ahead of the expiration they were splitting my payments to the several advances not putting it toward the oldest advance first. I never knew this and didn't realize it until I saw an interest charge this month. 

I contacted Wells Fargo who said that's how they do it. So they do it to make themselves richer while people think they are paying off the oldest first. They are not willing to change it, I feel scanned by this unethical practice. They should be held to a standard to help people not hurt them. Something needs to be done about this type of scam.

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
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
After some years I was finally approved for XXXX going back to XXXX. Due to this there was a reduction in my homeowners taxes that was sent to my mortgage company for XXXX, XXXX and XXXX because I have an escrow account. I called about these funds on XX/XX/XXXX, XX/XX/XXXX and faxed and wrote them on XX/XX/XXXX. I was told that they would hold the over pay until my escrow accountant was satisfied. This was on XX/XX/XXXX, spoke supposedly to XXXX XXXX on XX/XX/XXXX. He was very rude, wouldnt let me ask questions i needed for understanding. Called again on XX/XX/XXXX, same inquiry. No solution. On XX/XX/XXXX was told they got refund on XX/XX/XXXX and a new analysis was requested, they said will call me in a week. Towards the end of the next week, i called and was told they were still working on analysis and someone would call me back. It is now XX/XX/XXXX and over XXXX of paid up taxes are being held by Gregory Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
This company is reporting this debt on my credit report. I have requested validation and have not received anything to physically validate that I owe this debt or the amounts since the company has reported 3 different sets of amounts. 
On XX/XX/XXXX report the company showed balance owed {$10000.00}. Upon disputing this and requesting validation the balance then changed. 
On XX/XX/XXXX report the company showed balance owed {$850.00} After disputing this again and requesting validation for a second time the amount changed and it was not notated on my credit report that this account was being disputed. 
On XX/XX/XXXX report the company updated the balance owed to {$9800.00} and again this has not been updated to as disputed nor have any documentation been sent validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XX/XX/2020 Called XXXX XXXX XXXX at XXXX, was told that they had requested my loans from Great Lakes Education in XXXX of 2020 in order to place me on the public service loan forgiveness program. 

XX/XX/2020 Called Great Lakes Education at XXXX, was told that XXXX  XXXX XXXX is not accepting new transfers of loans until after the COVID pandemic and that I would be required to make standard repayments which is over {$2000.00} a month. 

XX/XX/2020 Called XXXX  XXXX XXXX at XXXX to inquire about this, they stated this information is not accurate. 

I need Great Lakes Education to release my loans to XXXX  XXXX so I can be placed on an income driven repayment plan with public service loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CO

Complaint narrative:
Credit Control , LLC was supposedly given my account by XXXX on XX/XX/2020, regarding a credit card debt that was not cleared by my ex-husband after our divorce. I had spoken with the first debt collected, XXXX XXXX, and told them I couldnt do anything because of COVID affected unemployment. They were supposed to stop communication. I only found out about Credit Control , LLC and got their name and number because they called my sister, and, illegally, told her about my supposed debt. I have audio recording of the phone call I made to them in response to their illegal activity.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
In XXXX of XXXX I received a phone call from XXXX XXXX and they told me that I had a debt owed to them. I informed him that I had now moved from XXXX  to XXXX and didn't have any knowledge of the debt. I then paid {$52.00} and was told that it would resolve the debt. I received no additional communication in regards to this debt until I reached out to them due to doing an inquiry of my credit score in XXXX due to looking for a home for my children to move to XXXX with me. It was only then that I noticed that XXXX XXXX XXXX had put a {$100.00} collections on my credit report. I initiated a call to them and they informed me that this was a debt that I owed to XXXX XXXX. I disputed the claim and patiently waited for the outcome knowing that this was taken care of in XXXX of XXXX. Needless to say they didn't contact me with the result and I was only made aware that the dispute was declined by calling them. So from XXXX of XXXX to XXXX of XXXX not one form of communication and when we finally speak it was already placed on my credit report. I feel that this is unfair as if they had communicated to me via phone or the by mail to my new address in XXXX it would have never got to this point. Impacting a persons credit in the middle of the Covid Pandemic with no communication to the individual has had a life changing impact on my ability to secure the things I need to make my children 's and my life better. {$100.00} = 40 point impact on my credit score with no communication is simply not fair nor business like. Simply careless on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PA  business grant lender denied access to my PNC Bank business account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Investigation took more than 30 days
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I notified XXXX  of an invalid account on my credit file. Under federal laws and FCRA guidelines section 609 ; I requested XXXX  to validate/verify the account by the name Carter-Young INC/XXXX. In has now surpassed the 30 day investigation period and I have yet to receive a response. XXXX  is now in violation of FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/XXXX I was approved for " Credit Card Direct Mail Campaign '' rewards card through Bank of the West. The rewards program states that I must charge {$1500.00} in the first three months, beginning at approval date, and I then i would qualify for the {$150.00} bonus. Towards the end of XXXX I emailed Bank of the West asking for the status of the {$150.00} dollar bonus. On XX/XX/XXXX they answered and stated that I had only charged {$1300.00}, so I did not qualify for the bonus. On XXXX, XX/XX/XXXX and XX/XX/XXXX I again requested their decision after I had explained the below concerns. there answer is that they are still working on the research. 
My concerns are that I did not receive the bank card until at least 3 full weeks after approval. I believe the normal time period for receipt of the bank card after approval is 3- 10 days. My explanation is that I could not charge to the card if I did not have it. On XX/XX/XXXX the bank easily had posted over the {$1500.00} requirement. I thought that perhaps the reason for late receipt of the bank card was due to COVID 19.

It appears that they are dragging their feet hoping that my request will go away. If this has happened to me, it may be occurring with others.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I signed up for debt consolidation with Freedom Debt Relief in 2017. After 3 years of paying increments of {$130.00} plus their fees, I decided to pay the rest of what I owed as a lump sum since it is advertised on their website and from speaking to different agents on their chat system and phone, they said it would be the quickest way to " graduate '' from this program. Since XX/XX/XXXX, when the deposit went through, I have been contacting them and every time I have I have been told different things. First I was told it would take up to 10 days, then I was told 2 weeks, then I was told anywhere up to 30 days. I finally demanded something be done because I've been told the same thing over and over, that the creditors need to review my account and then negotiate the lump sum amount, so an agent said they would " look deeper '' into my account. He then told me that because I don't have an extra {$45.00} in my dedicated account that the system wasn't automatically starting the graduation process. I have asked them many times to see if they can manually do something and was told it is all automatic and all I can do is to check from time to time. He told me he was personally going to talk to his leadership to start the process and it still has not started. I chatted with someone today and am being told the same thing again. During this period they continue to charge me their service fee and continue to withdraw money out of my checking account. I am never able to speak to someone higher up or the creditors myself. I would have been able to pay off my credit card debt on my own with the funds I have but was told I could lose the resolution amount if I do it on my own so now my funds are sitting in an account while my credit score and report continues to negatively affect my life. Thank you for reading my long statement, I hope you are able to help me and other who are in similar circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
On or about XXXX, XXXX, I returned a XXXX KIA XXXX at lease end in pristine condition inside and out with XXXX miles less than the contracted miles. KIA appeared to be annoyed that I did not give them repeat, successive business. From a third party collection agency, I found out that KIA had a {$2000.00} claim which was not satisfied, never notifying me details. 
Verbal telecon info from the collection agency indicated claim items were padded and some outright lies and embellishments. This was reported to XXXX, whose response were in the form of form letters and questionaires. They did nothing, but knock down my credit score from XXXX to XXXX I contacted both KIA and XXXX. Both replied apathetically..

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 2020-07-14 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: Paypal Holdings, Inc
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX from XXXX Arkansas while on vacation in XXXX New Mexico and shopping at a mall on XX/XX/XXXX I was spending money on my kids. I have XXXX children XXXX girls and XXXX boys. After XXXX spending {$2700.00} my PayPal XXXX XXXX Account was imposed by " account limits '' requiring me to upload documents to verify my identity. I did that before I left the parking lot at the mall. For days I messaged customer service to advise why the limits had not been lifted. Never one single response until Saturday afternoon I got a notification that PayPal was closing my account with a CASH BALANCE OF {$8000.00} AND THEY WERE HOLDING MY MONEY FOR 180 DAYS ( 6 MONTHS ) AND THEN I WOULD GET AN EMAIL EXPLAINING HOW I COULD TRANSFER MY MONEY! That's pure theft! 
My PayPal account : Email is XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX Arkansas. XXXX PayPal XXXX XXXX Account MasterCard Debit XXXX XXXX XXXX XXXX Valid until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
I have found accounts from National Commercial Services on my credit report that are in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
My mortgage loan was sold to flag star bank approximately XX/XX/2019. I was not notified properly of this and was dinged heavily on my credit report because of this. I was on XXXX  XXXX   and had a direct deposit that was set up from my the prior loan company that was not transfered over and the main reason whyy mortgage payments were not paid. I was never late on a mortgage payment prior and had a perfect credit score of XXXX between the three credit bearaus prior to this. I found out my mortgage company was transfered only when I noticed that my credit score went down. I reached out to the company that reported the late payment flagstar bank only to be notified that my mortgage was transfered in XXXX. I told the representative that I had not recieved any notification of this and while being on the phone with him we realized that they did not have my phone number nor my email on record to notify me. I was told that postage mail was sent tp notify me but I told him that I do not open mail I do not have official business with as I recieve a lot pf junk mail nor was I home because i was on XXXX XXXX  elsewhere. Either way made the payments hesitantly hoping the credit error from the mis-communication would be fixed pending payment which was never done.

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 2020-07-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Ink Chase credit card that was all of a sudden closed. They would not explain anything on the phone and said I would receive a letter in the mail. The letter came with no explanation. I called Chase again they basically said that some affiliate ended their relationship with me so they are closing the card. They refused to explain anymore claiming they don't know more. I said how can you close a card if that's all you know. I also must know what information they have because I have no idea of anything at all wrong with my credit anywhere and suspect some foul play or some real misunderstanding. I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
I refinanced my mortgage with Owning Corporation. I got very good service up until the day I signed all the paperwork to close on the refinance. 
Since that day, I haven't been able to talk to anyone, after several emails back and forth, I got my closing disclosure etc. 

ISSUE : Owning Corporation refuses to respond to my queries regarding when and how I should make my mortgage payments. 
I have called several times and no one picks up/answers my calls. I left messages and no one responds. 
Several weeks ago, I was able to talk to someone and they indicated that I would get something in my mail in XXXX indicating how to make mortgage payments but I don't have anything in my mail. I still don't know how to make my mortgage payments. 
Email response to my query resulted in a link shared by Owning with Closing disclosure again but no information on how to make my payment. 

ISSUE SUMMARY : My payment is due early XXXX but I believe Owning is intentionally not providing me information on how to make my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not link my account to XXXX. XXXX uses XXXX  and Pnc will not consent to letting me add the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Today XX/XX/2020 The debt collector called my work asked to speak to my boss/supervisor. He explained to my boss that he is collecting a debt and needed to talk to me. She told him I was with a customer he told her he was needing to serve me a doc # XXXX. My Boss said I will give her the message. She did call me in to her office told me I was called by a debt collector and to fix my personal affairs. Now not even an hour later he calls again and speaks to another co worker and tells her the same thing. Now another employee knows about my personal business. Anytime I get a call from someone about a personal situation I make sure they know to not call me at work. The number that was called from and Unavailable but the company name is Central Sources. The Doc # XXXX I assume is an extension and his name is XXXX XXXX. I am at high risk of losing my job due to the private information that was shared and told to my Boss

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 2020-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Issue : On XX/XX/XXXX I spoke to a Nelnet Representative by the name of XXXX. XXXX informed me that I could receive a .25 % interest discount if I made my student loan payment ( s ) by enrolling in Auto Debit. Consequently, I enrolled immediately for Auto Debit and the Auto Debit began on XX/XX/XXXX from my XXXX XXXX account. 

After speaking to a Nelnet Supervisor, XXXX on XX/XX/XXXX, I was informed that I had not been getting the .25 % loan interest rate discount and that my loan ( s ) did not qualify for that discount. XXXX informed me that the representative, XXXX ( back in XXXX of XXXX ) had provided incorrect information and that he, XXXX was not surprised. Obviously, XXXX/Rep in XXXX did not research the type of loans I had to ensure the loans actually qualified for this .25 % discount. 

Consequently, for four years, I have been enrolled for Auto Debit making my payments and have not been reaping the benefit of the .25 % loan interest rate discount which I guesstimate would be approximately {$1.00} - $ XXXX over the course of 4 years. 

In addition, in XXXX of XXXX, XXXX/Rep did not inform me at that time that I could apply for a Direct Loan Consolidation and this also would have ensured the .25 % interest discount with Auto Debit. 

On XX/XX/XXXX I spoke to XXXX XXXX/Supervisor at Nelnet and was told there was nothing Nelnet could do about the mistake. XXXX also informed me she would file a complaint internally. However, I would not be contacted about any internal Nelnet results. 

I again on XX/XX/XXXX, had a lengthy conversation with XXXX XXXX/Supervisor about the XX/XX/XXXX, .25 % interest rate mistake on my account, and was told the same thing again, i.e., there was nothing Nelnet could do, but that she/XXXX  had already filed the complaint internally. 

This is not the first time over the years that Nelnet representatives have provided me with incorrect information. Disappointing, extremely disappointing, and frustrating that I made an Auto Debit decision ( s )  based on receiving inaccurate information. Moreover, that Nelnets INCORRECT information has cheated me out of a substantial discount when I could have also been advised by XXXX/Rep to apply for a Direct Loan Consolidation ( enabling me to actually qualify and receive the .25 % discount ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
tried to apply for a grant, pnc wouldn't let them access financial data.

Company response to consumer: Closed with explanation