vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have an equity line with PNC Bank. I have not received a statement from them since XXXX of 2018. They will not allow me to set up an online account. I have written letters to them and complained to customer service reps who have been unable to help. I continue to make my payments but have no idea of my balance and if the payments are going to the correct account. To make payments I either have to call and pay a XXXX dollar fee to process a phone payment or handwrite an envelope copy my XXXX payment ( again ) and hope they put it in the right account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In recently reviewing my credit report, Ive discovered XXXX discrepancies still being reported on my credit report. I have contacted XXXX XXXX and verified that the payment history on my credit report is inaccurate. I have contacted Experian and sent proof of payment history twice and this information still has not been corrected. There are no late payments for the following dates as I advised Experian and sent proof of on time payments. I have also requested the name of the person Experian spoke with at XXXX, copies of any documentation from XXXX stating payments were made late. As of today I still have not received this information. 
XXXX XXXX No Late Payment for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/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 2018-07-03 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recover is continuously reporting an account that was closed by the original creditor XXXX XXXX as an open account that was closed by the original creditor in 2013. I have disputed this several times every year and all they do is say it was verified without sending me documentation that this account is mine. This is NOT my account and I am tired of being called everyday continuously by them as they leave messages with my friends and family.I had to block several numbers as they change their number or call me from different numbers in different time zones thus violating the Fair Debt Collection Practices Act ( FDCPA ) I do not have a contract with them and this account was closed 5 years ago according to my credit file last year. yet they refuse to remove this account from my credit file and the Credit Bureaus are accepting whatever they say every time I dispute this. Account is closed! yet the keep harassing me over XXXX do they realize they could be fined over XXXX for contacting me constantly and falsely reporting an account on my credit file?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
My mortgage was bought by Selene Finance LP last month. My old loan company, XXXX XXXX, was authorized to debit my bank account for the monthly payment. I have received zero correspondence from XXXX, even after XXXX phone calls to the company concerning the transition. I was told that a welcome package would be mailed to my home with the new account number, and I would have to make my first payment via phone, and there after would fill out and submit a form from the welcome packet to authorize Selene to debit my bank account. As to date, XX/XX/2018, I have not received the welcome packet. 
On XX/XX/2018, I was notified by my bank that Selene tried to debt my account for a payment, and that a NSF charge of {$35.00} would be charged to my account, and that Selene was not authorized to debit my account in the first place. 

I am asking Selene be held accountable for an unauthorized charge to my account, and that they refund me the NSF fee that caused by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am absolutely disgusted with American Express, and they should be absolutely ashamed with themselves. 

I applied for a card for the sole purpose of balance transferring. On the website, there is no area to indicate how much of a balance transfer limit is needed. I was " approved '' for {$1500.00}, which is {$6500.00} less than what I needed. 

I contacted the " customer care '' department and after waiting 25 minutes to speak to someone in a US based call center, the woman was rude and abusive. She said that I had to wait for the card to come before requesting a balance transfer increase. I then asked why I was hearing a " beeping '' in the phone, and she stated that I was being recorded. I then said that I will turn on my recording device on my phone ( as is legal under Utah state law ). The woman became even more abusive saying I had no right to record, yet she had a right to record me. The woman hung up the phone. 

I called back yet again and waited 15 minutes to be transferred to a US call center. The agent there said that as soon as the card arrived, it would take " a few minutes '' to do the balance transfer limit increase. I waited for 13 days with no card arriving. Finally, I demanded a new card be overnighted, to which it was. I finally called back and gave the " supervisor ' my card number, who then told me it would take an additional 2 weeks to get an approval back on the balance transfer request. 

I said that this kind of behavior is atrocious and how dare they treat clients this way. I asked to have the balance request cancelled. I then received an email stating my card and account was closed, an action not authorized or approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or about XX/XX/2018, I filed a complaint with the CFPB, case # XXXX against Wells Fargo Bank. 
I received a response from Wells Fargo in the form of a letter dated XX/XX/2018 stating their remedy would consist of a refund of overdraft fees in the amount of {$170.00}. 
Some time passed and I noticed I had not received a check in the mail or a credit to my checking account in the amount of {$170.00} or any credits totaling {$170.00}. 
In the month of XXXX, I contacted Wells Fargo Bank through the Customer Service Department line for checking accounts and was told by the representative that there are no notes or indication that Wells Fargo had made regarding my complaint or the refund of {$170.00} and because there were no notes, I would need to contact the CFPB to resolve. 
I called CFPB and was told I would need to open a new case to resolve the matter.

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 2018-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned.

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 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I received a phone call from a woman from a company called " Portfolio Recovery. '' The call lasted one minute and started at XXXX PST. I have no letter from this company and asked the woman to take me off their marketing list as well as how did they get my information ; they had the last four digits of my SSN. She did not answer the question and the conversation went silent. I said, " Hello, hello? '' to start the conversation again and then hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a gift card ( Visa debit ) about a few years back for {$50.00} from XXXX, with an expiration date of XX/XX/XXXX. A few months ago I tried to check the card balance on the company 's website. It could not locate my card and was also unable to register the card. I tried to use it at a store in case it worked their, but that was unsuccessful. I tried the site again today with the same result, and then called the number listed. I spoke with a representative who said she could not find the card, which meant she couldn't tell me anything that happened with the card. No transaction history, date of purchase, when it was closed, etc. So at some point, the card balance was depleted and my gift resulted in zero.

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 2018-07-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent Experian my FTC report as well as a police report for identity theft on the following accounts below. The documents were sent XXXX and through the CFPB portal. The documents were signed for on XX/XX/XXXX by a representative of Experian.

I contacted Experian on XX/XX/XXXX and spoke to several representative who all informed me that the dont have the documents. I am resending the documents again today and demand that the fraudulent accounts below be immediately removed from my account.

Fraudulent Accounts Which Needs to be Removed. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2018-07-03 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 — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. 

Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. 

Again, I recovered my vehicle and paid the balance of the loan in full. 

Since then, I have tried very hard to improve my credit and financial status. 

I am now trying to qualify to buy a home. 

***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. 

This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. 

I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. 

In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. 

Im at my wits end trying to figure out how to fix this and I am begging you for help here.

Its been OVER four years since Ive paid the loan in full. 

Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. 

Ive paid my dues. 

Please! Be kind and help me by removing the item from all three credit agencies completely. 

Thanks much for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received a prepaid Visa  card from XXXX XXXX XXXX as part of a rebate offer for the purchase of contact lenses. The card amount was {$130.00}. The lenses were purchased in XX/XX/2018, and I believe I received the card within a few weeks of submitting my request through their website. The card came with an expiration date of XX/XX/18. I failed to activate the card before the expiration date. Two weeks ago, I started trying to contact XXXX XXXX XXXX to get them to reissue the card. Per the fee schedule listed on the letter that the card came with, my hope was that they would issue a new card with a total amount of {$110.00} ( original value of card, minus the {$6.00} plastic replacement fee and $ XXXX/month card account maintenance fee ). However, when I called the customer service number on the back of the card ( XXXX ), and finally was able to speak with someone ( it took me two times of navigating through their answering system ), they informed me that I needed to call XXXX because they were not responsible for that card. When I called that number, I was told they also did not deal with these card issues and that I needed to call the number on the back of the card ( ie the first number I called ). I next called the customer service number for the issuing bank XXXX ( XXXX ). It took me two separate calls to reach a person who could speak with me. That individual informed me that I needed to call Black Hawk at XXXX. When I called this line, the automated answering service provided no options for addressing my issue. I entered my card number when prompted, and the service stated that there was no information for my card. In reviewing XXXX XXXX XXXX and Black Hawk online, I found multiple complaints from other individuals about having difficultly retrieving their rebate funds, activating their cards and/or using their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: CA

Complaint narrative:
My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.

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