vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
My Name is XXXX XXXX, my email address is XXXX and I live at XXXX XXXX XXXX XXXX, TN XXXX. I am writing regarding the handling of my personal bank information by a debt collector. 

I received a call from " XXXX '' ( would not give her last name ) from Wakefield and Associates in XXXX, TN about a {$5.00} medical debt. The call was friendly and cordial and since it was such a small amount I didn't question the validity, I told her I would just go ahead and pay it. The trouble came when we discussed payment options and fees. She informed me that if I paid by credit card the fee was over {$5.00} and actually more than the debt and I could pay by electronic check. I agreed but to my surprise she already had my bank routing number and bank account number and simply asked for me to verify the approval of the payment. This is extremely bothersome to me, I have paid for over looked medical bills in the past and it is certainly conceivable that I have dealt with this company before and given them that information to pay for a debt however, I never expected them to store my bank account information. This is concerning for a multitude of reasons and while I am ignorant of the laws regarding debt collectors storing bank information I certainly do not want my information stored. 

Thank you for you attention, 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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I used the XXXX XXXX app to transfer {$200.00} from my XXXX XXXX checking account ( debit card ) to my sisters XXXX XXXX   account. As of today, XX/XX/XXXX, the transaction still shows pending. The recipient ( my sister ) has still not received the funds. We have made four phone calls to XXXXXXXX XXXX, each call taking between XXXX minutes to XXXX hours, and each time have been told it will be another XXXX hours for XXXX XXXX   engineering team to fix the problem in their system. Today, I was on the phone for XXXX minutes and was told yet again they are working to fix the problem but cant tell me when. In my mind, XXXX has stolen not only my money but also my time which is of even greater value at this point than the formentioned funds. XXXX XXXX needs to be shut down. They are misleading consumers and are not able to live up to their terms of agreement. After XXXX weeks, I label this as theft and fraud.

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CT

Complaint narrative:
On XX/XX/2018, A.R.M. Solutions ( Collection Agency ) from CA claimed a debt due from me to a 3rd party. I responded with a written signed letter on XX/XX/2018 asking for : 1 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 2 ) Proof that you are licensed to collect debts in Connecticut ( The assumed debt is in CT for both parties ) I disputed the debt : I further : " disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA '' On XX/XX/2018 I received another letter from them threatening me with further collections, Notification to credit reporting agencies and further legal action. The letter from them was dated XX/XX/2018.

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 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MI

Complaint narrative:
I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. 
XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. 
Coincidence or not .... 
You decide if there is foul play in this ring.

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Hi XXXXXXXX XXXX ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX-30 days late ; XXXX XXXX XXXX days late I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Happy Holidays! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Vehicle leased from XXXX XXXX through XXXX XXXX. All payments paid on time via auto-drafted electronic transfer. Reported closed Pays As Agrees. 

In XX/XX/2018, my credit monitoring service notified me that the status of the 'paid-off on time ' auto lease was changed to Collections Charge-Off in the amount of {$240.00}. Ally Bank listed themselves as the " Court ''. 

Speaking with Ally, I learned that the dealership wanted additional money, but Ally instead of me. Ally took it upon themselves to change my account status. I had many phone discussions with a rep over several months trying to resolve this error. Finally, they removed the account from Collections and said if I pay the {$240.00}, they will update the status to it's original state. I sent them a check, but they lied and has not been corrected.

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 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
The loan was paid in full by a wire transfer on XX/XX/2018 quicken loans messed up the payofff and didnt apply it until XX/XX/2018 after the help from the settlement title company. Not only are they trying to keep the extras days of interest but trying to charge us for the MIP for the month of XXXX in the amount of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As one of the 143 million victims of the Equifax XXXX data breach, I was provided with a credit monitoring service through XXXX   XXXX. Today ( XX/XX/XXXX ), despite the ongoing threat to my & my family 's financial security, as a direct result of Equifax 's negligence, I received notice from Equifax that the XXXX   service has been cancelled, with no reason given. Equifax should be held responsible for the original data breach, including small gestures like providing free permanent credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX  XXXX XXXX XXXX XXXX and the XXXX XXXX of XXXX XXXX in XXXX for approximately {$65000.00} total now over {$190000.00} ( {$130000.00} in interest ). I was defrauded, i.e. falsely told to apply only for private loans because I was not eligible for Federal loans. These two schools are now closed. I was in a civil suit with XXXX and won a small award. I was able to apply for numerous deferments and numerous forbearance beyond what Navient legally could offer which increased the amount of interest on my account. Navient is accused of deceptive practices according to the XXXX XXXX. The account was up for repayment in XX/XX/2018 and I contacted them prior to this date to work out an amount I could pay. I was told the lowest amount they could offer me was {$700.00}. They collected my monthly expenses and income information and requested I use my rent money to pay them back - if I did that I would be homeless and then unable to make any payments. They then told me they could do nothing to help me and I would be out on the streets. Navient continued to contact me claiming I was in default and I needed to work out a plan. I spoke to various agents over the ensuing months to work out a plan that was anywhere from {$800.00} to {$18000.00} a month. I spoke to a bankruptcy attorney to see if I could file bankruptcy however, I do not have enough other debt to do so. I have been belittled, accused of using the system, being irresponsible, unwilling to pay a debt, and accused of being a criminal. The amount I can afford which my income driven repayment plan states I can afford is {$25.00} a month - and this is all I can afford at this time. Navient refuses to help me and threatens to sue me and take away everything I own and make me homeless. If I am completely stripped of everything how will I ever be able to make a payment? I would assume that if I am gainfully employed making a good income this would be in their best interest because they will then be able to collect more than {$25.00} payments from me. I just want to stop being bullied and harassed by Navient and for them to accept my {$25.00} payment as willing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.

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 2018-12-21 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: IL

Complaint narrative:
I have been trying to get this issue resolved for months. The last dispute I sent in because I used proper English and explaining the problem in detail it was marked as using " credit repair '' and was not completed. I am not using any type of service I just want my report to show correct information. I am once again disputing these two accounts from XXXX account number XXXX {$40000.00} & XXXX account XXXX {$3200.00}. These are not my accounts and I don't know who they belong to. The other bureaus have already deleted these accounts from my credit report & this is the only credit bureau that is not removing fradugelent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This inquiry could stay on your report untilXX/XX/2020. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX ( XXXX ) XXXX I never opened a loan with wells fargo. This hard inqury is incorrect and should not be on my 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 2018-12-21 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: Diversified Consultants, Inc.
State: LA

Complaint narrative:
My mom and I received calls around XXXX XXXX   XX/XX/2018 from XXXX. My mom researched the number and found it to be a debt collector Diversified Consultant Incorporated XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. She checked my credit report and found that on XX/XX/2018 they reported a collection in the amount of {$990.00} for XXXX XXXX opened on XX/XX/2018 mind you that's only XXXX momths. There isn't an account number associated with this fake account. I never had an XXXX XXXX account. EVER. They haven't contacted me before XX/XX/2018. Mail or anything. This is fraudulent and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
According to my calculations i went to my local XXXX around XX/XX/XXXX, the cashier encouraged me to get a credit card with XXXX. I was approved for {$200.00}. She told me to sign a paper and that was it. No explanation of monthly fees, she said if you buy something you can just pay it back later on if you do it through credit so that's were things got confusing. i thought as i used the card i would have to pay back later on. I didn't know of monthly fees until months later when a credit company called me telling me i owed {$200.00} plus dollars. I've only gotten one {$20.00} object from this store. I NEVER got my credit card in the mail and never got notice of bills in the mail. Today, i got a call from XXXX XXXX, all other times I've received calls its during my work hours. I have tried to call back after work and it always asks me to give them my account information. i cant give them that information if i do not have it. Otherwise all i can do is talk to an operator. i sneaked out of my job to talk to them today. The guy was very rude. he wouldn't even let me talk. i was tying to explain to him that i wanted to pay in payments since it was XXXX  season. I felt harassed in a way because he was nonstop telling me you have to pay now and i repeatedly told him i was going to give a payment and pay the rest every Friday. continuously he would talk over me as i tried to explain how i wanted to pay off my dues. I think this whole deal was poorly taken care of and its affected my credit the most.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC
State: VA

Complaint narrative:
RE : CFPB Case XXXX - Need more information regarding current holder of purported debt, i.e. XXXX XXXX and Platinum Holdings. ( Need both companies please! ) The PDF letter from XXXX Will Not Open, I can not save it. I need another copy please! I need a contact name, address and phone number for XXXX XXXX from Platinum Holdings, and a file number so that I can investigate and obtain additional information to re-verify debt and proceed further. 

Information that I now have is " Incomplete '' and I request my Case number above be Reopened so that I can obtain information. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 I made a withdrawal of {$200.00} at the counter from my checking account knowing my balance was {$1200.00}, this took place at bank of America. Then on the XX/XX/2018 i went to another branch of bank of America to make a withdrawal and got to find out the money in my account was insufficient which was a shock to me and after explaining to the clerk i was expecting to have {$1200.00} in my account. Then he printed out my bank transaction history, which was wrong and told me I had to go back to the bank where I made my last transaction of {$200.00}. Which I did on that same day but when I met with the manager and made my complaint, I was told I needed to come back in two weeks time because they had to do some internal investigation. Then I went back after two weeks and met another lady by the name of XXXX XXXX, but she said the investigation was still in process, gave me my case ID and extended the date to XX/XX/2018. So i went back on XX/XX/2018 but got the same answer that my case was still in process. Then I tried calling Bank of America on XXXX and after some couple of weeks nothing has been done and no one has gotten in contact with me.

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 2018-12-21 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: PNC Bank N.A.
State: MD

Complaint narrative:
PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX  XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. 

As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. 

This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. 

For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. 

After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. 

As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. 

Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well.

Company response to consumer: Closed with explanation