vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.

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 2017-11-29 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a mortgage since XX/XX/2010 with XXXX then Wellsfargo and XXXX   do not have it.. But XXXX and XXXX have it .... I call Wellsfargo and they said they send the report every mouth.. I call XXXX and they said I have to call Wellsfargo.. Im getting the run around from both ... Can you help

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX issued an ACT 91 order for the amount of {$4900.00}. I called on XX/XX/XXXX to discuss payment options. No one returned my call. I called on XX/XX/XXXX and was informed that my case was transferred to a new Point of Contact Person and given his voicemail. I left a detailed message. He finally called back on XX/XX/XXXX ( 9 days! ) Unfortunately I was at work and was unable to answer. I called back later that evening and got his voicemail again.. No call back. My breach notice expires today. Guess who I finally got to speak with? According to him I need to send XXXX by the end of business today in order to put a forebearance into effect. Had someone offered this weeks ago when the first call was placed it would n't have been an issue, I could have secured the funds with time to spare. Now I 'm going to lose my home because they do n't return phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
A debt collector from XXXX contacted my husband and shared with him that he was attempting to collect a debt. Told him the amount of the debt. The call took place on Wednesday XXXX XXXX 2017 around XXXX XXXX EST. The debt collector never verified who it was that they were speaking with - never asked my husband to verify that he was myself. The debt collector just offered up my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed a collection account had been placed on my from XXXX XXXX. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XX/XX/XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XX/XX/XXXX between XXXX and XXXX XXXX I called  XXXX XXXX to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from XXXX, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received XXXX 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me. 

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told XXXX it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face. 

These actions by XXXX are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.

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 2017-11-29 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: FL

Complaint narrative:
XXXX ALLOWED A FRAUDULENT INQUIRY TO BE MADE ON MY EQUIFAX CREDIT FILE IN XXXX 2017. I SUBMITTED A FORMAL COMPLAINT & AFFIDAVIT ( INCLUDING A COPY OF THE POLICE REPORT I FILED ) TO XXXX DETAILING THAT AN INQUIRY WAS MADE ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. XXXX HAS NOT RESPONDED TO MY COMPLAINT NOR REMOVED THE INQUIRY FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NE

Complaint narrative:
I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.

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 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time. 
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Im writing you because Citimortgage continues to violate CFPB rules do that were set forth to protect homeowners. I am a homeowner in XXXX, OR. 

I have been trying to modify my mortgage since XXXX. XXXX XXXX. I have sent thousands of documents only to have them lost or illegible and then abruptly have the file closed. 

Yesterday they violated the CFPB dual tracking rules. I have attached documentation below. 

I always notify their CEO, XXXX XXXX, of the violations. They have already been fined $ XXXX for these violations but that does not dissuade them from continued violations. Their CEO is knowledgeable and culpable. 

Again, I have been trying to modify the loan since XXXX and they continue to tack on fees and interest on my mortgage and continually drag me through their mess. This has caused much stress in my life and has cost me hundreds of thousands of dollars and has ruined my credit. 


I am writing to report yet another violation of the CFPB rules on dual tracking by Citimortgage. Attached are the necessary documents outlining the violation. 
Posted XXXX XXXX, XXXX at XXXX. 




Screenshot from email sent by Citimortgage to XXXX XXXX on XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX, OR 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 2017-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing because there was a mistake made on my account. My debit card was stolen and I reported the unauthorized transactions to XXXX XXXX XXXX. There was a unauthorized transaction made of XXXX on my bank account and my XXXX XXXX payment was XXXX dollars as well. The Fraud specialist must have accidently returned my XXXX XXXX payment and my account became delinquent. I was unaware that the payment was past due and did not make a payment until the following due date of the next payment and a 30 day late payment was reported by XXXX XXXX XXXX XXXX. There was a misunderstanding when the payment was returned. I am asking if the 30 day late could be removed because my debit card was stolen and the payment should not have been returned. Only the XXXX of the unauthorized purchase should have been returned. I have all of the photos to prove my case. I do not want this accidently returned payment to affect my XXXX XXXX for 7 years to come. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN # XXXX account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
capitol one will not let me link my bank account that i have with them to my XXXX account, theyre blocking my access to my own account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS LIEN which are not mine. I have sent numerous letters and made numerous phone calls to no avail.

Here are the following dates in which these two items have been addressed : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: PA

Complaint narrative:
My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}. 

When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity. 

I have never had an account with XXXX XXXX. 

I had never received any letters from them nor from Midwest Recovery about any supposed debt. 

And I most certainly did not receive any notice that any such debt would be placed on my credit file. 

I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i lost my wallet on XXXX XXXX XXXX i received a call regarding unauthorized use of my debit card from wells fargo bank. i confirmed with them that the charges were fraudulent and they issued a new debit card and restored the funds. 
on XXXX/XXXX/XXXX wells fargo informed me that investigation was completed and my request was denied. i contacted bank several times but they refused to provide any explanation why my claim was denied and the only reason they provided that my pin was used. i explained that I used my card at gas station for the last time and after that there were fraudulent charges and i did n't know how my pin was compromised. 
according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205 i am not liable for any unauthorized charges and i want my funds to be restored.

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 2017-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help

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 2017-11-29 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 — Was not notified of investigation status or results
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my 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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : 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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : 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