vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Bought at XXXX XXXX XXXX  store. Paid off the debt, ast payment {$15.00} and some changein XX/XX/XXXX. Have XXXX XXXX unknown location or other name, calling me at least every week saying I owe them over {$100.00} for interest that goes higher every week. This was this year.paid off XXXX XXXX . We are elderly in our XXXX 's and do not move around well or run to the phone and our phone stops ringing at 4 rings so it really is unnerving. Make them stop, we do not owe them anything. we paid XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Complaint is to Wells Fargo Mortgage. The issue is my XXXX mortgage interest reported in XX/XX/XXXX and in XX/XX/XXXX. ( I have yet to check the prior years so there may be additional problems ) My XX/XX/XXXX XXXX is not correct. The amount listed is about {$4000.00} too less. I paid more into my interest for my mortgage tax. I asked and Wells Fargo said it is less because they gave me a refund in prior years. That is not legally correct to do. First off, I did not receive any money and have NO receipt for such. My XXXX does not show a refund either. Nothing was ever refunded to me. So Wells Fargo is admitting the number is incorrect however their reason is incorrect and never occurred. 


My XX/XX/XXXX XXXX has been reported to me by Wells Fargo in a letter a few months back that it is not correct and they made an error and will provide an amended XXXX. They never provided this amended XXXX in spite of my multiple requests as well as customer service submitting a request on my behalf. 

This is very serious actions on their part and have to get resolved immediately. 

My escrow also was never resolved. 

Wells Fargo still owed me thousands of dollars due to a bad modification they refuse to resolve. It is going on for years since XX/XX/XXXX. They were trying to force me into signing an illegal restructure of my mortgage which had a order preventing me from discussing the matter with anyone and preventing me from correcting any errors I may find after signing. I told them this is illegal and they tried to lie their way out of it. 

Because I did not sign the restructure agreement, WF never settled with me and still owes me a lot of money due to their errors with my modification. They refuse to resolve this matter. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I purchased an XXXX XXXX XXXX ( VIN # XXXX ) from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX. The car was financed for approximately {$26000.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA, XXXX, Phone : XXXX. The monthly payment for the car is {$600.00}. Currently, the amount due on the car is {$1500.00}. The car payment became behind effective XX/XX/XXXX. The car was repossessed by XXXX XXXX XXXX without warning or compromise on XX/XX/XXXX. I contacted the contact several times on XX/XX/XXXX to make financial arrangements to retrieve the vehicle. I was informed that {$2500.00} in order to retrieve the vehicle. I asked what was included in the {$2500.00} and I was informed that the past due amount of {$1400.00} ; late charges of {$60.00} ; and {$540.00} for the repossession fee. There is a {$490.00} from the total amount they gave me ( {$540.00} ) and the various fees. I was never told where the additional fees were coming from nor was I granted the opportunity to even pay the amount in order to retrieve the vehicle because I had someone else driving my car at the time the car was repossessed. I have been contacting XXXX XXXX XXXX every day since XX/XX/XXXX without resolution. I was informed on Monday, XX/XX/XXXX, that my request for retrieval was denied because someone else was driving the car when it was repossessed. Then I contacted the company on XX/XX/XXXX about making arrangements for the person to retrieve their belongings, I am told that I will be emailed a form for me to submit and it has to be approved. The financing is holding the belongings of the car hostage! Every time, I contact them I am transferred to several people and always end up with they are in meeting. Someone will call you back which no one never does. I went online to XXXX ( XXXX XXXX XXXX ) and found that the company has over 200 complaints against them regarding their predatory practices. I would like this company investigative in-depth and either the vehicle returned or any negative reporting on my credit reports regarding the purchase of this vehicle removed.

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 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to pay my credit card with the atm machine ( I took money from my husband card I minute before it was ok ) the machine get my card and ask from the money i wait like 3 minutes and they gave me a paper that said that we apologize but we can proceed. The same day I called bank of america and make the claim they said i have to wait 7 to 10 days i call next week and they tell me that they have my call but not my claim. I have to do the claim again I still waiting for and answer but I didn't get nothing.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I called TransUnion on XX/XX/XXXX to get rid of the inquiries that were removed and placed on my credit report again. I was a victim of their inquiry issue.My inquiries were deleted and added back my TransUnion because of their glitch. Transunion didnt send any paperwork about the inquiries that were added back. Transunion placed those inquiries on my report without my knowledge.Customer service would not help and take care of the negative inquiries reporting on my credit report. 

These are the inquiries that Transunion placed on my report.

XXXX XXXX Date Filed XX/XX/XXXXXXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX/XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX-XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record XXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address 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 2018-06-19 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: AmeriCollect
State: SC

Complaint narrative:
I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported an international wire fraud scam to the bank relating to a vacation property that we were trying to rent. The person had us wire {$5800.00} to their account and we were later noticed that they did not own the property. I contact Chase to stop the wire at which time the bank told me they request the funds back from the other bank. There was no correspondence from Chase at all regarding this case. It took me calling them repeatedly to track down the right department to give me information regarding the case. When I finally spoke with the right person after contact them for 2 weeks I was told there was nothing they could do because it was my word against theirs. Their lack of timely processing of the wire cancel and unhelpful nature has left me with no options to get my funds back. I find this ridiculous that when fraud is reported they have no obligation to assist their customers in getting their funds back. I am truly disappointed with the level of service and lack of commitment in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Reference # XXXX - The compliant centers around two 0 % promotional APR offers with a Bank of America Credit Card. The first offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX, while the second offer ( XXXX ) had a start date of XX/XX/XXXX with an end date of XX/XX/XXXX. The balance for each offer at XX/XX/XXXX were {$7800.00} and {$5100.00}, respectively. As offer XXXX was due to expire on XX/XX/XXXX, a payment of {$7800.00} was made to the account on XX/XX/XXXX. However, the payment was applied first to offer XXXX satisfying the {$5100.00} balance with the remaining balance of {$2600.00} applied to offer XXXX. Following numerous conversations with Bank of America representatives from XX/XX/XXXX to XX/XX/XXXX ( multiple calls per day ), the compliant was researched and it was determined that the payment was first applied to the offer with the earliest start date in accordance with bank guidelines and policy. 

The representative explained that the payment being applied to the offer with the earliest start date was disclosed in the Credit Card Statement ; however, the only item disclaimer in the statement references " HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balance first ( including transaction made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. '' Since both APRs were 0 % at the time the payment was processed on XX/XX/XXXX, it would appear the consumer could direct the payment to be processed in a way that is most favorable to the consumer. However, if the interest only promotional offer had expired, meaning the payment posted after XX/XX/XXXX, it would appear the allocation of the payment would have been correct.

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 2018-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I am missing credit card statements for : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I have called USAA several times asking for those statements. Now I am being charged late fees and high interest charges. During one of my calls to USAA, I was told that someone at USAA credit cards put me on online statements. I did not ask for this. I NEVER do any banking online. Due to the fault of USAA, these late fees and finance charges have accumulated. My XX/XX/XXXX statement, which I did receive, states that my minimum statement payment due is {$580.00}. I find this to be unfair due to USAA 's fault. I have called at least 5 times asking for these statements. I'm still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19 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: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
Complete Credit solution showed up on my credit report for XXXX XXXX in the amount of XXXX. Stating the loan was opened on XX/XX/XXXX. I disputed to have it removed from credit report. XXXX said it is correct and will stay. I emailed the loan company for details of the loan, which they stated are : loan that was opened on XX/XX/XXXX?? and it was sold to 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 2018-06-19 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: OK

Complaint narrative:
XXXX, Trans Union, XXXX - I have an old C.C. account ( XXXX  ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help

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 2018-06-19 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: OK

Complaint narrative:
XXXX, XXXX XXXX, Equifax - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Experian refused to ask qualifying questions required to remove the alert to this bureau, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.

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 2018-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: OR

Complaint narrative:
I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for  {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their "  manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Recently received a debt collection from Weltman, Weinberg & Reis Co. LPA  concerning a XXXXXXXX XXXX debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from XXXX XXXX * A copy of all attachments has also been mailed out

Company response to consumer: Closed with explanation