vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XX/XX/2019, my Wells Fargo Debit/ATM card reached it's expiration date. A replacement card was issued, and it would get stuck in the ATM. After several weeks of complaining a new card was issued, it also would not be returned by the atm,. A third replacement card was issued, this one being the newer style, with a flash chip and my name on the back of the card with less embossment. This card also got stuck. I tried it in another Wells Fargo branch atm and it got stuck there too. When the card is not returned the atm actually reboots. After 3 months of this I finally complained to the Branch Manager of Wells Fargo, XXXX XXXX, XXXX CT, XXXX, this past Thursday, it took 20 minutes for her to actually escalate the situation enough to generate a reference number, she originally wanted me to sign a form that they were looking into it. I can provide some dates if necessary but I'm submitting this complaint without the information readily available.

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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am in the process of trying to obtain a loan to buy a mobile home.  During this process, I was scammed once and they succeeded and the second time, not.Under the pretense of XXXX for a loan of $XXXX, and me with a poor credit rating, these crooks told me that they would deposit monies into my account and I was to send it back to prove that I am trustworthy. Now, I am out $XXXX!!! Second time, under the pretense of XXXX XXXX, they deposited $XXXX without me even realizing it.  Once it was deposited, I told them to withdraw the funds (after I checked into this, this time). Thankfully, Chase at least did the right thing then, and held the check and from what I understand, the thieves withdrew the check.  As I am an XXXX, I handle mostly everything online, texts, and/or email. I was trying to contact and get help from Chase for over a week to no avail, so I called them, at my great demise. Anyway, they are  closing my account and charging me the $XXXX from the-supposed XXXX-XXXX. After we hung up and me crying, I checked out the check that they had mailed me stating the funds were withdrawn.  Here this check is supposedly from XXXX XXXX XXXX Company!!!!! and my somehow by signature was forged on the back of this check!!!! I have never dealt with XXXX XXXX XXXX Ever!!! I do believe I should not be charged for any of this as it was not due to me!!! I got played huge!!!!! If you need phone numbers, please let me know. I am in the process of trying to get a hold of XXXX, XXXX, and XXXX   and put an additional fraud alert on my account. I already have one due to my information being leaked out 7 times, according to XXXX, via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In the meantime, PHH mortgage is piling my account with additional penalties and fees. Below is my communication with PHH Mortgage. Ive attempted to contact the representative XXXX as stated in the letter. Her mailbox is full. Its over an hour hold time to speak to another rep. 

I have wrote them several times requesting to stop payment on the check and make the payment on line without being charged a fee. Below is the most recent communication. 

Dear XXXX, We received the document attached to your emails on XX/XX/2019. Based on the tracking number, the mail is still in transit. Please contact the United States Postal Service ( USPS ) to check the reason for the delay in delivering it to us. 

Should you have any further concerns, you may contact XXXX directly toll free at ( XXXX ) XXXX, select option 1, extension XXXX or email XXXX at XXXX. For general account questions you may visit XXXX. You may also contact PHH 's  Customer Care Center via telephone at ( XXXX ) XXXX during the following hours : Monday? Friday XXXX XXXX? XXXX XXXX  ET Saturday XXXX XXXX? XXXX XXXX  ET PHH Mortgage Services, LLC XXXX XXXX   XXXX XXXX XXXX, NJ XXXX PHH Mortgage Services, LLC is a debt collector attempting to collect a debt and any information obtained will be used for that purpose. However, if the debt is part of an active bankruptcy case or if your personal liability on the loan has been discharged through a prior bankruptcy court issued Order of Discharge, this communication is not intended as and does not constitute an attempt to collect a debt and is provided solely for information purposes. 




Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX To : XXXX Subject : Account Date : XX/XX/2019 XXXX XXXX  CST Hi, Can I make the payment over the telephone and stop payment on the {$22000.00} check I mailed? The check is lost or sitting in your post office box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I filed a dispute on-line with Equifax to remove XXXX   XXXX-XXXX from my file. ( see exhibit 1 ). 
On XX/XX/2019, a letter from Equifax states they verified the item belongs to me and they only made a few modifications. ( see exhibit 2 ) On XX/XX/2019, a letter from XXXX states they notified all 3 credit reporting agencies to delete the account from my report. ( see exhibit 3 ) On XX/XX/2019, I have a notification from XXXX XXXX, XXXX XXXX was removed from Equifax report. ( see exhibit 4 ) On XX/XX/2019, I filed a dispute again with Equifax to remove XXXX from my credit report. ( see exhibit 5 ) On XX/XX/2019, I have a notification from XXXX XXXX again that XXXX XXXX.-XXXX was removed from my Equifax credit file. ( see exhibit 6 ) I have contacted Equifax multiple times. It is unbelievable how they have treated me. The proof is the letter from XXXX itself. If XXXX had changed their position, by law Equifax was required to notify me directly. I should not have had to file multiple disputes for one entry. I still do not know if XXXX has been removed or not. I directed Equifax to send me a new credit report with or without XXXX. I realize the dispute filed on XX/XX/2019 is still within the 30 day period, but my original dispute XX/XX/2019 is now over 60 days old!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I have been trying to have these 2 disputes resolved since XX/XX/XXXX and XXXX 2019 Dispute case # : XXXX -- This case has now been reopened as a fraud case # XXXX on XX/XX/2019 XX/XX/2019 - original charge {$250.00} Dispute case 2 # XXXX XX/XX/2019 {$110.00} This case has been closed and my provisional credit removed. 
I have attempted to resubmit this as a fraud case but have not received proof or my provisional credit I have also submitted a request for proof of how this was decided not in my favor but was only given generic emails XXXX XXXX XXXX XXXX  XX/XX/2019 is who I spoke to from USAA fraud department. I was told both charges are now being looked at as fruad but still have not received my provisional credit or email with documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I paid off my mortgage on XX/XX/2019. The company said they issued a check on XX/XX/2019. I have called repeatedly to no avail. They said if I want a new check i would have to wait an additional 30 days. According to their website this is not a one time occurrence.

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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Date ( s ) : XX/XX/XXXX and XX/XX/XXXX I recently had my Barclays Savings account closed on XX/XX/XXXX without my prior notification which led to a an interest charge of {$120.00} to my XXXX  XXXX credit card linked for auto-withdrawal. I notified Barclays of this issue and they have been unresponsive on why my account was closed on XX/XX/XXXX. I understand they have the right to close my account at any time per the terms and conditions but their timing led to an interest charge that would have not occurred if done earlier in the month or simply two days later. I spoke with Barclays representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she became very testy and angry with me when I requested to speak with a manager. I believe there is negligence on Barclays behalf on closing an account when there is a payment already in process that could incur financial detriment to their 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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was the victim of theft on my account to the tune of {$2000.00} with my stolen debit card and I told Chase Bank this and they simply did nothing and reported my account to XXXX. 

I made it clear over and over this charge was not authorized by me and even filed a police report but nothing was done and now I am dealing with the inability to deal with certain financial institutions over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/2017amount $XXXXThis debt is in my credit report since XX/XX/2017, this debt is not the owner .... I have contacted this collection agency ... I still do not respond ... I ask you to invest this account because I am not the owner of it ... please I hope your cooperation immediately ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
AARGON AGENCY INC is attempting to collect a Debt on behalf of XXXX XXXX XXXX on an incorrect balance. This claim was first opened/posted XX/XX/2016 for the amount of {$420.00}. I am contesting these charges because I believe these to be fraudulent, at that time I was covered under my Fathers insurance and any amount that needed payment would have been covered under insurance. I do not recall going to XXXX XXXX to receive any medical treatment, if I were to go to any Doctor, it would have been our primary physician at the time. Attached is the insurance that I was under at that time.

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 2019-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chrysalis Holdings LLC
State: TX

Complaint narrative:
XXXX  XXXX  has with New Day USA has moved my closing date four time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
I was issued a cashback visa signature card from Alliant Credit Union. The card earns 3 % cash back on purchases during the first year. I used the card for some time and accumulated several thousand dollars in cashback rewards. My account was paid off in full every month. Recently, Alliant closed my account and seized my unredeemed cash back rewards that had accumulated. Alliant customer service claims they sent me a letter explaining that the account would be closed, but I did not receive it, and the customer service representative that I spoke to could not produce a copy of this letter for me. I did not have any opportunity to redeem my accumulated cash back rewards before the account was closed, and customer service tells me that these accumulated rewards are now forfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
I had an emergency hospital visit in XXXX  of 2019 and XXXX  XXXX   XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system.  I called AmeriFinancial Solutions on several occasions ( XXXX  XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of.  On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account.  I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed.  I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I purchased concert tickets online from XXXX, (no physical possession of tickets) concert rescheduled, XXXX  offers to resell tickets. I agree, they sell tickets and assist me over phone and computer with delivery of tickets. They email me confirmation of sale and delivery and pay me several days later. 39 days later they email me indicating my "sale was cancelled for failure to deliver". They want money back plus a fine of $XXXX.I've emailed, snail mailed and called several times and provided copies of email confirmation of delivery, they turn me over to collections. I contact collection agency and offer the same info, to no avail. Please help. I have all emails and phone records.Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
I had a Cashback Visa Signature Card with Alliant Credit Union, ABA routing and Transit Number #XXXX, and when my rewards balance reached $XXXX  they closed my account and seized the rewards balance as forfeit. I was told that they had sent a notice to my address request a response regarding the activity on the card but I received no such letter. When I called in to complain they just told me that they had closed my account stating it appeared that I was using the card for business expenses, yet no where in the card holder agreement does it state that I cannot use the card for that purpose. I feel as though they saw a high rewards balance and instead of paying out those rewards they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank lowered my balance 3 times without any notice in advance, no letter, no email was never received. This action took about 60 points from my credit score. The last time they lower my balance lower than actual balance I had on my card so the made my account in overspend position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam I was member of creditrepeir.com, services for two years. 
On day, I was sign with creditrepair.com services, I was late with payment on my credit card due to sickness and death of my beloved wife and at same time we are was in major hurricane Harvey The are tell me, how late payment is easy to remove, and that will not take long. 
After two years, I was remove most of my late payments without any help from credit repair.com, buy always, the are telling me, how the are working hard to remove everything. 
I was also, notarized numerous letter, the are send to me, because, the are tell me, how creditors and credit agency will take my case more seriously. 

Every time I was contact creditrepair.com, the are was different story. 

Per some agent, XXXX was remove my negative item, and same day is re report once again, per some other agent, different account with XXXX XXXX XXXX, was remove, but the are never show on my report, per other agent, my credit is not in deliquwncy and I don't need hurry up. 

I have so many different story from creditrepair.com, that I can write bestseller book In two years with creditrepair.com from Utah, Washington State or Arizona, the are never seriously take my case and help me out. 

Also, after I was put pressure on them, the are close my account without my permission or any explanation. 

In two years, the are just collect my money for membership, without any help or explanation why they can help me. 

After I was done my research on line and also with some ex employee of credit repair.com, some of ex employee, the are tell me, they will not help me or they will take more time to pull as much money as they can. 

The are was numerous lies to me just to not help me out, but collect my monthly payment Also, per XXXX  agency, creditrepair.com has review of big F, and the are under Federal investigation. 

Respectfully XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.

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