vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Person called to tell me I owed XXXX for an account they would not provide the account number for. Person threatened my credit and made up false explanation for why a false debt was just now being collected on after 6 years. I called former bank of which the debt originated and they verified this was false. Person was named XXXX XXXX and claimed they had done a federal background search to find me. The number I was called from was 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 2018-07-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used a balance transfer offer that had to be posted by XX/XX/XXXX. I deposited it in my checking ( {$7100.00} ) ( XXXX XXXX ) XX/XX/XXXX. XXXX XXXX says Fifth Third was notified on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) that the balance transfer check was deposited. Fifth Third acts like they received nothing. I feel it is their intention to stall it off till XX/XX/XXXX. At that time they could get out of the deal AND charge me {$240.00} transfer fee for a 21 % cash advance. The " customer service '' operator at Fifth Third said that sometimes it may take 2 weeks for confirmation. Ridiculous, it is not XX/XX/XXXX!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Hello, On the XXXX of XXXX, a default Judgement was filed against me at a courthouse in XXXX, IL. First, I've had no prior communication with this company and did not know who they were until I received two letters in the mail. 2. I went to the courthouse to find out what the matter was about and they told me that I was sued for a debt. 3. This debt has been discharged by the company. 4. They lied on the court documents pertaining to " service. '' They said that they did a substitute service where they gave the documents to my mother who told the " server '' that she would give me the documents when I get home from work. That is a lie. My mother has been XXXX for nearly 10 years now and I do not work because I've had XXXX and can not work. This debt does not show on my credit report and I was told by two agents who told me that I had a XXXX  balance. 

Another concern that I have is that Midland XXXX XXXX has been sued by several states because of their behavior ( s ). There are thousands of complaints against them online and yet, they remain in business. They shouldn't be allowed to break the law to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: PA

Complaint narrative:
I am looking to be made whole, and have my {$35.00} overdraft fee returned, as no harm was done to Wells Fargo in my moving my personal funds from one acct to another. I have paid the {$35.00} fee for the XXXX payment, which as of XX/XX/2018 at XXXX did not show pending, but later posted and was backdated to XX/XX/2018. The acct transfer took place after XXXX on Friday, XX/XX/2018, with no pending transactions for XX/XX/2018 preventing the transfer of funds. I also immediately moved part of the money back. On Monday, XX/XX/2018, Wells Fargo emailed me and informed me that the acct was overdrawn and charged me the {$35.00} Fee. Spk w/XXXX, XXXX, and two add'l reps. Wells Fargo charged me a {$35.00} overdraft fee for moving {$600.00} from my personal checking account to my additional wells fargo checking. The transaction was done after midnight on XX/XX/2018, and also immediately moved back to the original checking account. Wells Fargo then charged me {$35.00} overdraft for my XXXX payment not clearing, which I paid, and an additional {$35.00} for moving my own {$600.00} from my checking to another of my checking accounts, which caused no harm to Wells Fargo. They are constantly imposing fees on consumers through backdating transactions, and not honoring the live available balances they show in the system.

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 2018-07-31 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: Synovus Bank
State: MS

Complaint narrative:
I had a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2019 I took advantage of a 0 % promotional balance transfer offer from XXXX XXXX   However, every month I have been charged the minimum finance charge of {$2.00}, even though no other purchases have been made. 

I have contacted the company several times without an adequate explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a follow up on complaints number XXXX, XXXX,XXXX.

Bank of America is violating the FEMA guidelines during a forbearance process in a federally designated disaster zone. I have been battling Bank of America for almost a year on their fraudulent practices in dealing with the FEMA designated disaster zone and the federal regulations allowing forbearance of a XXXX XXXX   and XXXX XXXX loans.

They are also violating the fair lending act by modifying my loan parameters and my property rights during what is supposed to be disaster relief.

Bank of America just sent me my paperwork for my loan modification for the forbearance of my mortgage as a result of the hurricane Irma. In the modification Bank of America is taking advantage of the people in need by not only modifying their loan but taking away rights with added language they have fraudulently added to the loan modification document. The only modification that is allowed by federal guidelines it to cap and extend the loan by adding the number of payments without penalty to the end of the loan and extend the loan by that number of payments. No where in the federal guideline does it state that they have the right to modify the property right of the owner. This is clear violation of federal law and thy need to be investigated.

All the terms of the XXXX XXXX   LOAN MODIFICATION AGREEMENT are fairly standard and only reference the current loan and any additional paperwork that needs to be signed.

Section 4. Additional Agreements Section P.

This section is taking my rights away from my property in the event of a default. This section allows BofA to hire a receiver ( property manager ) to take over my lease ( if the property at the time of default is being rented ) and take my rental income. This section allows them to take over my lease, charge management fees, and take over my lease in the event of a default. Please read this section carefully.

Bank of America is taking advantage of a disaster relief and in the process they are taking away my property rights. I find that this to be a very underhanded way of taking advantage of people in a time of need. It is illegal. I am basically being forced to either sign the agreement which take away my property rights or they will not give me the modification.

Please investigate the legality of this clause and please investigate Bank of America for violation of federal guideline.

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 2018-07-31 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
After pulling my credit report I noticed there was an account from Diversified Consulta I called the company explained that it did not belong to me and they explained I needed to file a fraud acct which I did after filing it I called back and they told me I had to wait 90 days before it would be resolved. They are just giving me the hardest time trying to get this matter cleared up I have a mortgage pending and 90 days is not acceptable I called back and ask if I could get any information about the account showing that I have filed fraud charges and they told me no I just needed to wait. I spoke with XXXX XXXX XXXX and filed a fraud claim for them as well and they have are telling me the same thing. According to XXXX XXXX XXXX this account was open at a different address than mines for the amount of {$890.00} also the dates is XX/XX/2016 to XX/XX/2016 and I was under a lease at my current address at that time I want this deleted and removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had several bank accounts and credit cards with Chase Bank, all of them were set up on estatements. In XX/XX/2018 I noticed a {$3000.00} withdrawal from my savings account and did not recognize it. I immediately called Chase and was told that my online banking was compromised and they needed to close down my checking, savings, and online banking profile. I was told the credit cards were fine and did not need to shut those down. They gave me a list of things to do to regain access to my online banking ( like get updated anti virus software ) and was told I would be getting paper statements for the credit cards going forward.

In XX/XX/2018 I had not received a paper statement for one my credit cards ( Card XXXX  ), but I knew it had a ~ $ 3k balance. I called to make a payment by phone and paid {$1500.00} and asked to have paper statements sent to me since I had not received a statement for this card. I was told they would send that.

In XX/XX/2018 I still had not received a paper statements for card XXXX. I called the automated line for the bank and made the statment balance in full ( ~ {$1500.00} ).

At the end of XX/XX/2018 I was finally able to get everything completed to satisfy Chase 's online banking team and they signed my up for online banking again.

In XX/XX/2018 I received an alert saying that I had a 30+ day late payment on my Chase card # XXXX. I checked my online banking and all credit cards were up to date. I called Chase and they told me that card # XXXX was " hidden '' from my online banking and they linked it to the account. In XX/XX/XXXX I received a {$19.00} interest charge after I paid the statement balance in full. Since I did not receive statements after that date and the card was removed from my online banking, I did not know that it still had a balance. After contacting Chase they told me they could not remove the late payment from my credit bureau because technically they were sending me online statements still ( even though I did not have an online profile ).

So, to sum it up- from XX/XX/2018 to XX/XX/2018 Chase did not send me statements for my card # XXXX, even after requesting repeatedly to send them to me. Once Chase granted me online access, that card was not on my online banking profile. During this time they did not send me any emails, call me, or mail me notifications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, XXXX and Transunion. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

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 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I was called repeatedly by AMCA in regards to an unpaid medical bill I was not aware of. The bill had been sent to an old address and my name was spelled incorrectly in their system, so the bills didn't make it to me. The only notification I got was that the bill was in collections. I then started receiving daily phone calls from strange numbers with no voicemail messages or identification. I ignored all of these calls, as I always do from strangers without a voicemail, even going so far as to block one of the numbers, only to have it replaced with a new one the next day. When I finally picked up the phone out of frustration, they explained my balance and said I had no option but to pay it ( despite the fact that I was in communication with the insurance company over re-billing ). I begrudgingly set up a payment plan to get the bill off my plate ASAP. Now almost 2 months later, I assume the bill is paid off and done, and I get ANOTHER call from AMCA saying their tech messed up while setting up my previous plan and asking me to set up a new one. So because of their error, my payment schedule has been extended and I had to take time out of my job to set it up. I understand they have a job to do, but one would think they could do it in a professional and timely manner. If there was an error with my payments or the plan I set up, AMCA should be required to alert me immediately so I can remedy the situation, not pass the baton to me 2 months later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient is mismanging my loans and harrasing me everyday 24/7. they keep caling early in the morning and late at night. i told them do not be calling before XXXX or after XXXX. they told me they had the right to call, i kindly informed them that they didnt have the right to. then they called from a third party from rhode island, placing me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I called the company on XX/XX/XXXX about my car loan that was bought in XX/XX/XXXX and asked about payments, and asked why my principal balance only dropped around {$800.00} in 2 years, I have paid over {$9400.00} to them and I still owe almost what I financed. The service rep tried to tell me that if payment was due on the XXXX  and I did not make the payment till the XXXX or XXXX that all the payment went to interest. I don't understand how the are figuring this out, because most companies have a 5-7 day grace period. I need better understanding of how this works..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
In retaliation for filling complaint no. XXXX, XXXX- XXXX  has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX  denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX  on XX/XX/2018, therefore it would have been impossible for XXXX  to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX  no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX  signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX  has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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:
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, Equifax, XXXX  and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, Experian and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

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 2018-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACCESS GROUP INC.
State: WA

Complaint narrative:
In XX/XX/2018, I tried to apply for a new apartment that was cheaper in rent so that I could save money and repay my student loans. My employment contract was terminated so I am doing all that I can to make arrangements. When I submitted and paid for apartment rental applications, a rental report agency said that they had adverse debt collection on my record from Access Group. I tried to get this resolved and I was denied an application for rental from 4 places in one month because of this WRONG and ILLEGAL attempts by Access Group to ruin my credit and ability to meet my financial and economic needs. Because of this, I lost over {$100.00} in rental application fees and was unable to move to a cheaper and more rent-friendly apartment so that I could save money and pay my student loans. These actions by Access Group are UNACCEPTABLE and I NEED your HELP to remove this from my reports. Access Group has repeatedly refused to work with me and I have no where else to turn. PLEASE HELP!!!

I have filed previous similar complaints against Access Group and yet they continue to user threats and to unreasonably and unnecessarily interfere with my credit. HOW am I supposed to make these student loan payments if Access Group threatens and harasses me with debt collection and damaging my credit without even attempting to resolve the issue with me?

Company response to consumer: Closed with explanation