vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I had a vehicle which I voluntarily turned in for a repossion in XXXX on XXXX. Since, that time I have made a number of attempts to resolve the outstanding balance. Specifically, on XXXX XXXX I left a voice mail message which was never returned. I again called on XXXX XXXX, XXXX and spoke to a representative in the Wells Fargo XXXX XXXX Account department as I was prepared to begin to pay off or make a final settlement arrangement for the outstanding balance of {$5000.00} and to request that balance to detract the {$2300.00} which was what my vehicle was sold for which would have left an outstanding balance of {$2700.00} and I was prepared to either pay this in full or make appropriate settlement arrangement. I was informed that they would accept NO money towards this outstanding debt and was told that Wells Fargo does not sell any of their accounts to any third party collection agencies and was told that they do not. I did ask for any other options which may be available and was told no that my only option is to allow it to remain on my credit report for the remaining XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have already complained to the OCC Ref. XXXX XX/XX/XXXX, and XXXX dated XX/XX/XXXX.  I now learn I should have complained to you. 
On XX/XX/XXXX The Bank of America closed my checking account without warning with a balance of {$33.00}, XXXX in credit. They claim I did not respond to status questions via my cell phone, but not by email. However I am not in the USA at present, so email was the only way of contacting me.I have banked with Bank of America for ten years with an unblemished record. I have waited for 20 days now to receive a check which has not been forthcoming despite an almost daily stream of emails to XXXX XXXX, Resolution Specialist, Case ID XXXX. 
I am at my wits end, because I am clearly getting the runaround from these people. 
I would like to email you a complete thread of my emails to them and their replies to illustrate the scale of the problem. They are a complete disgraces

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On Sunday XXXX XXXX XXXX I attempted to withdraw money from my PayPal account to my bank. The withdrawal immediately was placed into " pending '' status. After speaking with someone in reference to why I was assured that my money would hit my bank at max 48 hours. On Wednesday XXXX XXXX I contacting PayPal again to figure out why my funds have n't been released. I was hung up on twice! Then after being told that I will get my money whenever hung up on again a third time by a " supervisor ''. PayPal has really put me in a financial bind as I need my money. As of today XXXX XXXX my withdrawal is still in a " pending '' status. I feel helpless and ca n't believe this type of treatment is legal. I 've read several reviews on PayPal and they 've been doing this to poor consumers for years under the guise of " sercurity '' reasons. Total XXXX XXXX  we know you guys are making interest from holding onto people 's money! XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
We purchased a car from XXXX XXXX in XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX and received the loan from Wells Fargo. In early XX/XX/XXXX We received a letter from Wells Fargo Auto Finance stating that they are changing our bank loan and that it would have a different name, and would not affect our loan in anyway and that we did n't have to do anything. So we had no reason to be alerted because it was who had our loan. When our payment book was on its last payment in the book we were so excited, but when the payment was taken out each month after for some time I started asking questions. I cant remember exactly the date we paid it off, but in XX/XX/XXXX we went to buy our house and in going through the process we found out our credit report showed that we had refinanced our XXXX XXXX car loan when we had not. I called the company and the woman said I needed to file a complaint and to send it to a fax number she gave me. I did so but the fax number was a none working number. I continued to call and each time I did they 'd give me the number and each time same thing. 
We do not understand why we had to pay an extra year of payments or how we refinanced a car loan with out our knowledge or signature 's. 
Because of Wells Fargo doing this it dropped my credit score from a XXXX to a XXXX and cause so much hassle trying to get our home. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX is charging me fees even though my account is not in the negative. 
On theXX/XX/XXXXthey posted a fee of {$35.00} on my account, which has affected my subsequence transaction to cost my account to be in negative and the further charge me 2 more insufficient fee for {$35.00} each. 
I had money come into my account todayXX/XX/XXXXXXXX ; veiwing my account this afternoon I see another charge off extended overdraft fee for another {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
I purchase my home through the XXXX XXXX XXXX XXXX. My mortgage loan is with J.G. Wentworth. Over the past couple of years, I have had an increase in health insurance premiums, prescription medication, real estate taxes, groceries and utilities. In XX/XX/XXXX, I contacted XXXX XXXX a housing counseling agency to see if I could possibly get help in reducing my mortgage payments. I have been working with XXXX XXXX, Housing Counselor. This agency is part of the US Department of Housing and Urban Development ( HUD ). All documents were submitted to J.G. Wentworth through XXXX XXXX XX/XX/XXXX I received a letter in XX/XX/XXXXstating that my request for a Standard Loan Modification was denied because I do not have sufficient income that would allow J.G. Wentworth to offer a modification. My total monthly income is {$2800.00} ( retirement & Social Security ) and my mortgage is $ XXXX monthly. My total expenses are {$3500.00} monthly. Any increase outside of what I have budgeted shortens any funds that I would need for my necessities.
In XX/XX/XXXX, we submitted an appeal and have yet to hear if it has been denied or approved. My housing counselor has spoken to J.G. Wentworth on several occasions and each time she has run into a brick wall. I have also spoken with J.G. Wentworth and keep getting the run around. They will not provide the underwriters information and they denied the modification. I am current on my mortgage payments, but I dont know how long thats going to last. This is why I am trying to get a jump on my financial situation before its too late. I want to stay in my home. I do have the file that was submitted to J.G. Wentworth.
I do hope that we can work together to get a reduced mortgage rate so that I may be able to continue to making my mortgage payments. If additional information is needed I can be contacted via email or @ XXXX. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently closed on my loan, and my loan was quickly sold to Wells Fargo. 

Wells Fargo, without any reasoning or backup, changed my escrow withholding to be different than what is on my closing documents by about {$200.00} a month. The forecasts they used to justify this change are wildly out of line with closing documents as well as documented county tax information. 

They are telling me they will not adjust my escrow amounts due despite my having documentation of my closing estimates and my tax bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Dispute Past Account Data 30 day late 60 day late 90 day late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TX

Complaint narrative:
There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - called cable company ( XXXX ) to cancel my service. 
Order confirmation # XXXX XXXX XXXX XXXX XXXX given to close account. 
XX/XX/XXXX - dropped off XXXX equipment per instruction. Transaction was logged and an email with return details was received ( see attached ). 
XX/XX/XXXX - Received bill in the mail for {$240.00} for unreturned equipment. 
XX/XX/XXXX - Immediately called XXXX, was directed to a call center and employee XXXX made the correction and provided me with confirmation # XXXX for a {$240.00} credit. 
XX/XX/XXXX - An amount of {$240.00} was posted on my XXXX card by XXXX. 
XX/XX/XXXX - XXXX emailed to inform me that I will be getting a credit of {$230.00} on my next bill XX/XX/XXXX - received collection notice dated XX/XX/XXXX from CCS ( Credit Collection Services ) XX/XX/XXXX - A letter to CCS and XXXX was faxed and mailed. 
XX/XX/XXXX - Submitted a Complaint to CFPB

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On or about XX/XX/XXXX or,XX/XX/XXXX, I ca n't remember the exact date, I tried to purchase sweat pants from XXXX, using my XXXX/Debit card. The customer service rep told me I could get a discount if I applied for a XXXX XXXX card. I said OK, but, I do n't want to use the credit card at this time, I want to pay for my purchase using my XXXX/Debit card so that I can read the terms of your credit card first. The customer service rep charged my purchase on the XXXX credit card anyway. And, it turned out, it was n't a XXXX card in the first place. So I thought I paid for the items in full on my XXXX/Debit card. It turned out this was not the case. Subsequently, I have received statements from XXXX, stating I owed them not only for my purchase, but " fees charged '' and " interest ''. I have called XXXX Customer Service several times, including today, this time asking for a supervisor. I was referred back to their bank, I believe it 's XXXX XXXX ( XXXX ) and was unable to resolve this issue. In addition, today the bank rep threatened me liens and legal action. I do n't stand for threats from anyone for any reason! I am willing to pay for the items in question, but nothing more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31 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:
I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA 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 explanation