vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: WI

Complaint narrative:
In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. 
Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. 
The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. 
On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. 
I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. 
The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. 
I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. 
I may be bias, but this seems absolutely ludicrous. 
XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. 
So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. 
Unbelievably Violated, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
XX/XX/XXXX, I was in the XXXX XXXX XXXX and a girl sent me a check for her security deposit. However, she sent over {$3000.00} and claimed it was also for her leasing car. So I transferred {$1800.00} since my balance was showing the authorized transaction of {$3000.00} already. However, after 12 hours, I looked back, the bank revoked my check, and I lost that amount of money that I transferred. The bank here is Wells Fargo. However, I believe the situation is universal to all banks. They will deposit your check right away, and scammers use this way to try to make you transfer the money before the check got bumped out. And Wells Fargo did not try to help me since it was my act to transfer the amount. However, the check was cleared on their system, only after then I transfer the money. This is a flaw that should not be in the banking system at all.

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 2018-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX/XXXX  & XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX   XXXX never late XXXX  XXXX never late

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a dispute for a purchase made at XXXX XXXX for {$400.00} as the purchase was not received. On XX/XX/XXXX more than 6 months later and well past the timeline allowed to finalize and correct a dispute CHase sent me a letter stating the purchase was made in person, which I stated in my original dispute. The purchases were bought in the store for delivery by XX/XX/XXXX. I received a notice from XXXX XXXX stating the orders had been delivered buy upon arriving home no packages had been delivered. I returned to the store where the purchases were made to inquire. The store told me to wait another day and they should arrive. To date, I have yet to receive this merchandise or a store credit. The purchase receipt clearly shows a shipping charge of XXXX for order Order # XXXX. Yet Chase states there's no evidence the order was shipped or not provided at the time of purchase opposing the original sales receipt or shipping notifications received from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I made a series of payments in the {$250.00} range and PNC bundled them together when they posted, making it impossible for me to accurately reconcile my account and track my payments. I filed a CFPB report on XX/XX/2018, and the company responded on XX/XX/18 by providing me WITH THE EXACT SAME DATA that I already possess -- the data that I am attempting to clarify. My issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, ( XXXX ) XXXX, was listed as the debt collector for an amount of {$630.00}. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. 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 2018-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
i received a TPD in XX/XX/XXXX which paid off my federal loans with navient but left my private loans outstanding. there is no place on the navient website to email them about the issue of getting my private loans discharged and every time i call them i get the runaround. 

plus my wife and i filed a chapter XXXX bankruptcy in XX/XX/XXXX that should have included the navient private loans, but our attorney failed to include them. he was under the belief that they could not be included. we provided him with the documentation for the loans but he did not add them. 

my private loans have been incurring interest and past due amounts keep building against the original loans but have not received any type of notice for their status. i did receive an email in XX/XX/XXXX that had me link to a location in navient to let them know that my loans should have been included in our bankruptcy but again there was no email address to respond to. i can only assume that we have been added to one of the lawsuits that are pending. 

there is simply no way of contacting them about the TPD ( but they should already know this since XXXX paid off my federal consolidation loans ) ; i did call the general account line back in XX/XX/XXXX and was told about using the TPD form, but the person on the line would not listen to me when i told them that i had already applied for and was approved. they told me that my account was in a hold status ( probably because of the bankruptcy and pending lawsuits ) and that if i pursued any type of arrangement regarding my private loans, that they would be taken off hold and put them in immediate repayment. so i told them to just leave them in the hold status and i would wait to see what comes of the lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?

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 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was impacted by hurricane Irma in XX/XX/2017. I contacted Mr. Cooper/Nationstar Mortgage to inquire about a forbearance program. I was told that due to the hurricane I qualified for a 3 or 6 month forbearance and that the forbearance payments would be tacked on to the end of the loan. Prior to starting my payment again, I was told that I was given wrong information and that I owed the outstanding balance or I needed to modify my loan. If neither was done my home would be foreclosed on. I can make my monthly payments, however I am not able to payback the forbearance amount all at once. They will not honor the original terms. Please help. 
Mr. Cooper/Nationstar Mortgage has since sold my mortgage to XXXX XXXX XXXX   and they also will not honor the forbearance payment to be added to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
This is in response to the collection companies answer. At no point did I verbally or written agreement with this company to repay any amount. Had I actually spoken to them I would have reminded them about the verbal agreement. I did contact them this past week and was told by XXXX that there was never any payments made by me. With that being said they lied completely to the CFPB. Yes the verbal agreement was made before I moved out that my now exhusband was responsible and I wasn't and there was never an agreement made for me to pay anything!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have 2 credit card accounts with Capitol One, and thought I had set up Auto Pay using their XXXX-based App starting with XXXX payments, but in XXXX the first payment did not go through and a late fee was applied. A XXXX XXXX phone representative said I never set up Auto Pay, but made only one time payments on the App, and blamed the problem on their App not processing properly. The phone rep did reverse the late fee, and we set up Auto Pay over the phone, but only after a lot of wasted time. Capitol One is setting their customers up of failure by providing an App that conveniently doesn't work, truly enroll their customer in Auto Pay, process payments, and apply late fees, requiring their customers to call in and explain the situation, hoping they reverse fees. The whole point of Auto Pay is ensure that payments are made to avoid late fees, but Capitol One does the opposite the first chance they get, using their Auto Pay enrollment as an opportunity to sew confusion and apply fees. Very sad in XX/XX/2018 to blame an App!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a loyal customer of Chase Bank U.S.A. by using their Chase Credit Card for over 15 years. I have never been late, I double my monthly payments and never missed a payment. They gave me a healthy credit line because of this and my credit report. 

I received an unexpected letter of increase of rate from 10.24 % to 15.24 %. I think this is very unreasonable for a loyal long term customer to face the same interest rate as a new customer, delinquent customer or poor credit customer.Besides why should their interest rate be so humongous and unfordable? it is designed to keep the poor people poorer. This is how they keep people poor. Chase was one of  those companies that got bailed out during the financial crisis and now they are back to doing the same nonsense. 

I called Chase on XX/XX/XXXX and spoke with XXXX a supervisor stating the above, but she said, that is what it will be as of XX/XX/XXXXand there are no exceptions. 

This is a problem for many consumers to use a credit card that is murderous to your pocket. I think this needs to be regulated. 
Can you assist me, to shed some light to Chase and have them consider reverting my interest rate as well as other consumers, so I ( We ) will be able to use the card. One representative advised me that you don't have to use it. Then what are you saying, you gave me a credit card to not use. 
Their letter also stated that if you do not agree you can close off your account. I DO NOT WANT TO CLOSE OFF MY ACCOUNT BECASUE I MAY NEED TO USE THE CARD IN CASE OF EMERGENCIES. 
CHASE SHOULD NOT DO THIS AND THE DEPARTMENT OF CONSUMER FINANCE NEED TO STEP IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During a loan application with XXXX XXXX  made by my son and me, it was discovered that when you put in his name and his social security number, Equifax , Inc. generates my credit report while a report for him is seemingly non-existent. XXXX XXXX  uses an intermediary to get reports, XXXX XXXX XXXX XXXX, and the company from which the report was requested is Equifax. 

This problem is ongoing since early XX/XX/2019. Both of the above entities have been contacted but neither seems eager to help resolve the issue. At one point, we were told we would receive " paperwork '' to begin the corrective process but after a couple of weeks, none has been forthcoming. 

For me, there are privacy concerns. My credit report is being sent when I have not specifically requested it. For my son, he should have a legitimate credit report of his own but does not. 

Of concern now is that in spite of the fact Equifax has an awareness of the problem, they willfully breach my privacy and send it anyway. 

As always, Equifax is difficult to reach and unresponsive if someone accidentally answers the phone. It is the usual XXXX : they make a mistake and the burden falls on the little guy to try and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I bought a XXXX XXXX and the car salesman lied to me and said it was a good economical car and it was completely the opposite. I notified the financial institute ( Quality Acceptance - XXXX XXXX, XXXX and XXXX of this occurrence. It cost me nearly a 1000.00 a  month insurance, car payment and gas. The finance company made the dealer take buy back the loan and I gave the car back. I have gone to a million dealers that say they use them because I was going to get the same loan and now I have a million inquiries, low credit score, the financial institute does not respond to my emails, they do not respond to the car dealers and I'm without a car for over a month. Please help. This is an injustice

Company response to consumer: Closed with explanation