vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
I don't know what is going on but I keep getting my card hacked into. Customer service at Direct express is horrible you can barely talk to anyone. I never give my information out for no reason. There has been numerous charges on my account. How I don't know but I called to speak to supervisor and all they tell me is they will investigate it. When I heard back from them they say they find no evidence. Hello it's right the XXXX there. I am sick of this card this company needs to be closed down direct express is horrible and i do not like them and will be switching but before I do I need to get my money back that they stole from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MD

Complaint narrative:
I went to XXXX  college from XXXX. Received a loan from XXXX. When XXXX went bankrupt in XXXX?, I joined FedLoan for loan repayment. 

In XXXX, XXXX, i received an email stating that FedLoan is being investigated sued by the US government, and 8 other states for fraud. In the email, they stated to contact FEdLoan for the status of my loan. Upon contacting FedLoan, i was unsuccessful for the next 2 weeks in contacting the. In addition, i sent several emails regarding this manner to my FedLoan agent, as well as tried to contact FedLoan via phone several times, all with no response and FedLoan did NOT reach out to contact. On XX/XX/XXXX, they took their monthly payment out of my account at XXXX  XXXX XXXX. I contacted XXXX, informed them of the situation and asked for a FREEZE on all transactions between FedLoan Student Services, and my bank account. This morning, i noticed that FedLoan had taken out a payment without my permission. In this instance, FedLoan added letters to the end of their name, in order to bypass the Freeze within my account with XXXX  XXXX XXXX, and were successful in retrieving their monthly payment, without my permission. I have contacted my bank and informed them of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in  XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity- XXXX XXXX On XX/XX/2019, I visited XXXX XXXX and felt pressured into purchasing an item. The store manager used the " this is a one-time offer only '' and the " think about what this means for your partner '' sale tactics but I was still unsure about the item and was not ready to purchase. So, the store manager used his " I hear what you're saying/I know how you feel '' tactic and convinced me to purchase the item while I had 60 days to decide if I wanted. The store manager offered to keep the item, clean it and hold it until I decided what I wanted to do. I opted for that option because I felt safe then that I would be able to cancel my order after I had thought about it. Soon after, a family emergency caused me to be out of the state for 6 weeks. During this time I called to cancel/return the item but though  the item was still at the store, I still had to be present to complete the order. I returned to home and visited the store within the 60-day time-frame to return the item anticipating no hassle. The store returned the item and credited my credit cards, one being a Comenity bank card I was persuaded to open at the time of purchase. Though the store convinced and assured me that I had 60 days to change my mind, no hassle or issues, they failed to mention that the credit card payment with interests and fees would be due within 30 days. So though the store kept the item the whole item and reassured me I had time to consider my purchase, the interests added up from Comenity Bank and they also included late fees. My bill is now {$100.00}. However, only {$28.00} in fees occurred during the time I actually own the time and this is the amount I believe is fair to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX  XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
I had been phone repeating call from XXXX Monarch Recovery robocall. Never received written from Monarch Recovery nor are reporting any of my credit bureaus messages left on answered Machine. They a last name ask press 1 if that is name or press 2 if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019 I had reported fraud to Bank of America ( my  bank ) in regards to my debit card. I have filed a claim already with the CFPB ( XXXX ) about this situation. The fraudulent charge was from XXXX. XXXX assured me my account with them was closed. Bank of America processed a " stop reoccurring payments '' to XXXX on my old, cancelled debit card. 

This morning I logged into my checking account with Bank of America and saw another charge from them. I contacted Bank of America and was told the only way to even investigate the fraud was to cancel my card again. I couldn't understand how XXXX even got my new card number even though I no longer have an account with them. The BoA representative informed me that XXXX is able to force through transactions but having stopped payments from my checking account to them, I still don't understand how that is allowed by the bank. I was told I should have put a second stop payment on my new card once it was received. Since I was never told that, somehow this charge was allowed to be processed and now I have to wait again for a new debit card. Yet once again, I am left unsatisfied because this should have been prevented by Bank of America.

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 2020-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Im deaf. I initially contracted with a debt consolidation company to negotiate with Marcus by Goldman Sachs for the payment of my debt with them. After months of collecting payments from me without paying Marcus, I decided to cancel the contract with that debt consolidation company. I contacted Marcus directly in XX/XX/2019 to resume paying my debt. We agreed on a payment plan based on hardship. I made the initial payment at that time. Then for some reasons, they started sending me email stating that it was an attempt to collect debt and there my account was charged off. I called them last week and they indicated that I didnt sign an email they sent last XXXX which I never received and that I didnt answer their phone calls. I found they were calling my text-only number instead of the phone number I gave them to call me through an interpeter for deaf. Ive tried to resolve them matter so that I can resume paying monthly, but they keep frustrating me by saying that they couldnt do anything about it and that my account was reported to credit bureaus as charged off. Based on my experience with their customer support representatives, they are not quite deaf-friendly. They dont keep notes because I keep repeating the same information without getting anywhere. 

I would like to resume paying monthly based on the hardship agreement and that they stop making derogatory credit report. They need to live up to their obligations and allow customers to escalate complaints to their legal departments especially if they dont treat their deaf clients fairly in handling loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I made a purchase with XXXX   to assist me with all the proper documents needed to file a divorce. The documents provided were incorrect as you'll be able to see along with this rebuttal. XXXX is not a law firm as stated in their disclaimer notice. 

XXXX XXXX XXXX, All Rights Reserved Disclaimer : XXXX XXXX is not a law firm and its services, website and forms are not a substitute for the advice of an attorney. 

Legally they are not able to assist me in any legal matters pertaining to the wrong papers being filed and returned back to me from the clerk of the court. Therefore I ask that my dispute remain valid and my reimbursement stands for services not received. I had to refile my papers with the clerk of the court with the help of the law clerk at the XXXX County Law Library located within the court house the papers needed to be filed.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
THIS ACCOUNT WAS PLACED ON MY CREDIT REPORT AFTER IT HAD BEEN INVESTIGATED I RECEIVED A LETTER XX/XX/2019 FROM DISCOVER STATING THE ACCOUNT DIDN'T BELONG TO ME AND I WAS NOT RESPONSIBLE CASE WAS CLOSED. 

CONSUMER FINANCIAL PROTECTION BUREAU CASE # XXXX DISCOVER PLACED IT BACK ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
MyEquifax web page will not send me a email and let me set a new password. 

I can not get them to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
In XXXX, I was dealing with one person, a guy. I told him my situation and asked if I can settle. He said he will check and came back and said no so I have to pay the full amount. I explained my situation again and told him that I am unable to pay the whole amount at this time at which point he got out of control screaming at me and threatening that he will mark me as refusal to pay just before he hung up on me. 
Around the beginning of XXXX, I started talking to a new lady, XXXX I believe who is always on the edge of aggression and i made a payment with her. On XX/XX/XXXX she called again asking for a second payment in one month. And I told her, if there was a possibility of settling so I can pay the full amount. At this point I was tired of dealing with them in general and their abusive tone. She got mad and screaming, I asked if I can speak with the manager. The manager, XXXX started speaking to me very calmly and I was relived, till I started explaining my self and told her and her response, " well go get a job and pay this ''. All I was asking was, would it be possible for me to send a letter to the creditor explaining my situation to see if they would decrease the amount in at least a {$100.00}. She criticized me, told me how stupid my life decisions was, threatened that she has been doing this for 32 years and that I would see this on my credit report every time I apply for something. and at last Hanged up on me! The fact that the manager is the rudest of all, shows why the rest of the employees are rude too. They are a complete headache and literally affect my health every time I speak with them. It has been the main cause of my anxiety this days. Due to my health issue, I had to deal with different debt collectors who were more than understanding of my situation and what I went through. I paid off debts that are more than double the amount of this fully and this is the last and smallest debt left in my credit report yet the one driving me to another health crisis. All I wanted was to see if I would be able to send a letter to XXXX in XXXX through them and asking for a little lower payment. but what did I get, screaming, abuse and judgment.

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This complaint submission is in regards to a collections account by CONVERGENT OUTSOURCING ( Client Services XXXX XXXX XXXX XXXX XXXX, WA XXXX ) stating I have a delinquent account with them. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them what so ever. CONVERGENT OUTSOURCING is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I  spoke with a Supervisor in the CUSTOMER RELATIONS DEPARTMENT by which they stated there were not able to locate my account and demanded my personal information when I had the account number present. The account number was received directly from XXXX  credit bureau to whom which CONVERGENT OUTSOURCING is reporting to. It was extremely difficult to obtain any information from them, as they became aggressively rude over the phone. I attempted to obtained their Fax and Mailing address to forward them a debt validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents.I have no legal obligation to this company no will I ever in the future. I am requesting CONVERGENT OUTSOURCING to immediately remove me from their systems, and update the XXXX Credit Bureau on this action. At this point, CONVERGENT OUTSOURCING have failed to provide any competent evidence or any legal obligation. Once again, CONVERGENT OUTSOURCING is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.

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 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I sent a notice of error to my mortgage company about my escrow account statement being incorrect. I have proof from the post office that it was received on XXXX XXXX it it's now XXXX XXXX and I have not receive a notice acknowledging my notice of error has been received. My mortgage company is stating I have a shortage on my escrow account when in reality I have a surplus. They are estimating my county taxes higher than what it is and I have provided the bill to prove it. I'm asking that they fix the error and refund me the surplus.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I opened a mortgage account with XXXX XXXX XXXX XX/XX/18 and my payments were {$560.00} a month. Roughly six months later my payment increased due to a change in my escrow account. I wasnt made aware and continued to pay {$560.00}. I finally was made aware by the bank teller at the XXXX XXXX XXXX, who had minimal information and advised, she would have the mortgage department contact me. The mortgage department advised my escrow account when up and advised, a letter was sent out, which I advised I never received. Later to find out the back kept my old address on file which is a property that caught fire which is the reason I was purchasing a new house. Several months later I noticed that XXXX was reporting 60-90 days late on my credit report. I made several calls to the bank and was told that the accountant department handles this and there is nothing that they can do about. Finally, I went in a spoke with XXXX XXXX in the mortgage department. She advised, she seen I had never been late, but payments were being applied to my mortgage account because it went up from {$560.00} to {$760.00}. I advised her after I was advised the payment went up, I started to pay the correct amount. Still never late but it was recorded as a partial payment because I hadnt realized that it had changed. XXXX replied, yea I see youd never been late, and the notice went out to XXXX XXXX XXXX which is your old address. It shouldnt be reported as late on your credit report. I will speak with my manager XXXX tomorrow and she will contact the accounting department to have this change made on your credit report. The following day I received a call from XXXX stating, per my branch manager there is nothing she can do. There was a late payment in XXXX. We can escalate your request to the bank president. Long story short, I havent heard anything yet. They havent even updated my address correctly, not to mention update my credit report. Keep in mind this is the only account reporting as late on my report and ha damaged my credit report with incorrect information. I have never in my life had such a horrible experience with a credit union.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/2019 I noticed my payment for my promotional purchases did not go through due to issues with their website : https : //d.comenity.net/wayfaircard I spoke with a customer service representative to see why my payments did not go in as scheduled for the promotion purchase that was expiring XX/XX/2019 that expired resulting in a finance charge of {$400.00}. I discussed that there was issues with the their online payment system but I did get a website confirmation that the payment was scheduled to be paid. The payment however did not complete so the promotion expired and I was charged the finance charge {$400.00}. I disputed the charge with the Comenity and their resolution was that I did not pay it off in time disregarding the efforts that I did attempt to pay it off before the expiration. 

There was a separate promotion purchase that was expiring XX/XX/XXXX. I noticed once again that the payment did not go through for this as well. I called the XXXX at approximately at XXXX on XX/XX/2019 to  resolve this issue as well. I was told that since I was in within their grace period of 3 days since it expired on the weekend that if I made the payment over the phone I would not be charged a finance fee of XXXX. However on XX/XX/2019 I was charged the finance fee. I spoke with another account manager and she stated that since the payment went through at approximately XXXX PST it would not post the next business day so I was responsible for the finance charge.

Company response to consumer: Closed with monetary relief