vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is in regards to a previously filed complaint # XXXX where you have all of the previous claim information. I have been in constant contact with Wells Fargo Since XXXX of XXXX regarding this complaint. I have been dealing with XXXX XXXX at the office of the president of wells fargo. I have sent him all of the necessary information he requested along with any additional information in regards to this complaint. I was promised in writing by wells fargo they would have an answer by XX/XX/XXXX. I did not get an answer and had to contact them again. I was told the process was taking longer than expected but they were still working on the issue with their legal department. I contacted them again a week later to inform them about a letter I received from XXXX and sent XXXX that information. He requested more information about the dealer which was provided to him. I was promised again he would get back to me with a resolution. I have every contact letter along with every email correspondence. The only response I received after all of this was a letter dated XX/XX/XXXX stating the issue had been resolved with the local XXXX dealer and to contact them if I was having problems making the monthly payment. Wells fargo is completely aware of the manufacture defect with this vehicle and still wants to enforce a loan on an unsafe vehicle. I have asked for a refi, which they denied with no explanation, they promised to help with the current complaint and deliberately failed to respond in a timely matter, even though they were provided with all of the necessary information requested. I have been paying for a vehicle that have should have never been sold in the first place since XXXX and have been dealing with this issue since then as well. Wells fargo does not want to help it's customers and will not do anything to remedy this situation. I have already informed them I will not continue to pay for an unsafe vehicle that has no permanent fix putting myself or my family members in harms way. Wells fargo is already in trouble for unethical business practices so it is not a surprise they will not help in this situation either. Wells fargo needs to refund all of the money I have paid for this vehicle since XXXX and cancel the loan as well. This car is dangerous and wells fargo knows that as they acknowledged it is a manufactures defect in their letter. If wells fargo does not take care of this loan asap I will contact the news, other agencies, and file a lawsuit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group
State: CO

Complaint narrative:
I was contacted by this company stating that I owed for SIX different accounts at the same medical facility for ONE visit. These accounts were paid as well as being indigent at the time and filing as so at the hospital. They have repeatedly contacted me in a completely unprofessional manner. I have reported them to the XXXX XXXX XXXX to which was responded by more unprofessionalism telling me that if I learned to pay my bills I wouldnt be in this " situation. '' I had a life saving surgery and any medical bills that I had afterwards were completely paid in a timely fashion so I am unsure where they get off with being extremely rude. The lady that repeatedly calls me initially wouldnt even tell me her name or where she was calling from or how she had my information. When told about the charges, there were two for the EXACT same amount. I also noticed that they were charging me more than the debt they claimed that I had in the sum of around {$1000.00} extra! 
At one point I went along with them and offered to pay the accounts just because I didnt want to be harrassed of have these accounts on my credit. ( the only ones I have! ) I was repeatedly called after setting a payment arrangment up asking me to pay more. After make a couple payments I decided that I was not going to continue to work with this company as they were very rude, pushy, and tried to make me feel inferior to them. This is not a debt that I should have to pay for since it is not my debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC.
State: TX

Complaint narrative:
I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 


Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Compass credit cards counts that should show paid to XXXX one of them is closed the other is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX Barclay , XXXX and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

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 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TX

Complaint narrative:
I am receiving aggressive collections notices from Purdue, Brandon, Fielder, Collins, and Mott, LLP XXXX, TX XXXX. This company claims to be representing a XXXXXXXX XXXX XXXX XXXX In XXXX XXXX for a debt that I owe. I do not owe this debt and I have to them and called them to explain that any fine must be fraudulent. I have never lived in that county or town. I have received letters from them for years claiming that I owe a traffic fine, but when I disputed that they claimed that it is hot checks. I am tired of there harassment. Their office has threatened repeatedly to have me arrested. I have never received one notice from the county 's government offices about what I owe, but still this law office claims that I owe something that I could not possibly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AK

Complaint narrative:
I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize all these inquiries. 
Please remove from my report. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not removed.

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 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and Experian are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance

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 2018-02-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Based on my research, I have experience a difficulties and mis communication in regards to taxes and insurance which I was directly to pay accordantly and on time, which I have been paying the taxes and insurance on time in timely fashion. However I have been sick prior toXX/XX/XXXX. I'm not late on my taxes and insurance. 

I was previously offer a modification with a servicer who I have a reverse mortgage currently with. I according to my research, I was told that If I'm in reverse mortgage I shouldn't be offer a modification, because servicer pays the mortgage. I'm responsible for only paying the taxes and insurance which is update. 
I have paid the servicer {$30000.00} by certified checks and nothing has been applied to my account and still want me to pay additional {$15000.00} which is in question, If not I would be put into foreclosure. There are several ultra violation and RESPA / Truth n Lending /Preditory lending practice/Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are 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 monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Texas Guaranteed
State: TX

Complaint narrative:
Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation