vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have two complaints against Wells Fargo Bank The first complaint is that I have a credit card account linked to my checking account with Wells Fargo with which Wells Fargo has an agreement with me to advance any amounts that are presented to my checking account from my credit card. From XX/XX/XXXX to XX/XX/XXXX Wells Fargo added {$170.00} in overdraft fees to my personal checking account When we having agreement any overdrafts are to be covered by my credit card account. 
And speaking to an escalation 's agent at Wells Fargo I was told that my credit card account no longer overdraft protection linked with my checking account I received zero notification and zero funds return to my account in Lieu of the the checking shortages. Was also told by the agent I never had overdraft protection linked to my credit card account, this is not accurate. 
Wells Fargo Bank did in fact provide overdraft protection from my credit card link to my checking account on XX/XX/2018 for {$270.00}. also on XX/XX/2018 Wells Fargo advanced {$25.00} from my credit card account to cover a shortage. Still Wells Fargo has refused to refund the overdraft fees of {$170.00} erroneously posted to my checking account despite the historical fact they have provided that as agreed for my credit card. 
Also Wells Fargo Bank deliberately posted a credit card payment from my checking account knowing there was {$0.00} in it advanced it against the credit card and still charged me a {$35.00} overdraft fee

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had three credit cards through community bank ( Victoria secret, XXXX and elder beerman ) They were in the negative and past due. I called and settled these and paid them months ago and they are still on my credit report. I have sent community bank several messages and I have disputed it on all my reports and they have yet to take these off. I write them messages online and never get a response. I am trying really hard to get my credit up and buy a house and they are refusing to take this off of my credit report. I don't know what else to do. It would be different if I didn't settle or pay them but I did on all three of them. 
Victoria Secret- {$590.00} XXXX {$580.00} Elder Beerman-  {$680.00} I have done everything that I can do and these are the only negative remarks left on my credit report and these need to come off for me to be able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Critical Resolution Mediation LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I received a call from Critical Resolution Mediation LLC. I had an old XXXX card from XXXX. I settled with them at {$890.00} per month for 3 months. In XXXX I received a notice from Indiana Court I was being sued for this debt. I checked my bank account and nothing was pulled. I contacted XXXX  XXXX  XXXX about this and explained I had made arrangements for this to be settled, what should I do? The attorney I spoke with said he was going to sue me for {$8200.00}, I said the last I knew the original balance was about XXXX and some change. ( I'm not sure the debt was from XXXX ). I hung up on him, he was determined to get the {$8200.00} and nothing else. I then called Critical Resolution Mediation LLC back, and spoke to XXXX XXXX the person who this was initiated with. He said he didn't know why the funds were not pulled, but if I could add an additional XXXX then he could pull this out of legal, and it would be paid. I had to pay the whole amount at that time, actually had to take it to the XXXX bank and deposit it into the account, ( I checked the teller before depositing to make sure the account is what he said it was ). I received a settlement letter in my email. I knew there was a court date pending, and since I never received anything else from the courts I thought it was all taken care of. On XX/XX/19 I  received a judgement from the courts saying this attorney went ahead and sued, and was awarded a judgement to garnish my wages. I'm at a loss, I have all my documents except the XXXX statements. Please tell me what I can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank failed to investigate my fraud claim. I reported to PNC that I never received an item that I purchased. I also told the bank that I possessed written evidence from the seller that confirms I never received the item. PNC never attempted to view my evidence and instead closed its investigation, citing no evidence. 

I called PNC seeking an explanation. The agent told me she would check with the person who conducted the investigation and call me back with more details, but they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: SYNCHRONY FINANCIAL
State: AP

Complaint narrative:
My wife, whom I'm getting divorced from tried to open a credit card through this company. They allowed her, without my permission to sign for me and gave her a line of credit. I attempted to dispute this and was put on hold or transferred to 5 different people all explaining there's no way this would have happened. But alas, it is on my credit report and they have nothing to remedy or investigate the fraudulent activity. 

They not only gave her a line of credit and a card but they also wouldn't give me the card number or any information to hire and attorney or protect myself from what my wife has done without my permission. 

They wouldn't even give me information regarding the limits or %. Even though I could prove it wasn't me due to my wife being in Florida and me being in 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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I purchased a product from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$130.00}. The company offers an advertised money back guarantee within 60 days with No Hassles and No Questions. On XX/XX/2019, I contacted XXXX XXXX to request a full refund all I got was Hassled, Questioned, and Shamed for doing something wrong ; which I was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards  credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing  they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.

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 2019-06-18 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: WA

Complaint narrative:
The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.

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 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover closed my account and took my {$1500.00} security deposit even after I filed a fraud investigation that my card was used without my authorization. Their fraud investigation representative ignored all my voice messages during the time of the investigation to eventually no response. My account was closed and deposit was taken improperly. It has been a 18 month police long investigation gathering documents the detective needed to finalize my police report. I am requesting my security deposit back and the balances owed to be cleared from my name as the charges were not authorized by me. 


They can obtain the documents from the SLPD to gather information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: WA

Complaint narrative:
The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.

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 2019-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express accounts under my name were taken over and fraudulently used by a criminal organization without my consent or authorization. I filed a police report back in 2017 due to the nature of the complaint and the detective needed various proof of information that took me over 15 months to gather to finalize the police report. I have tried to resolved the matter with American Express with no luck. Then 2 months ago I filed a XXXX  complaint for them to respond which they never did. Now I am trying through the CFPB portal to resolve these debt and learn them out of my name. I was a victim of identity and fraud and don't understand why I had to jump through hoops being protected by my credit card companies in these matters. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
The information on the back of the card is not valid information to determine if the account has been sold. I've tired the information on the back of the card I still have in my possession but the automated system is not transferring me over to get a live operator. the website is no help either.

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 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I am very disappointed in the way that this company handles their business. I had applied for a loan and was denied. however, I didn't wish to share my denial with everyone. Please see attached the letter that was sent to me by the company letting everyone know I applied for xx amount and was denied. This was a private matter and should have been kept confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : American Recovery Service Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX XXXX XXXX XXXX This is to notify you that this account is being processed by the XXXX XXXX XXXX XXXX and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX XXXX XXXX. This is my formal notice that this account # XXXX for {$1500.00} will be handled by XXXX Representatives. 

Thank you, 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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. XXXX XXXX ( the former servicer ) placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end since I had a fannie mae loan. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are US XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years and was current at the time of the disaster in XXXX. 
At the end of the 6 months XXXX extended the forbearance for an additional 6 months for a total of 12 months per XXXX  XXXX  my current investor at the time. ( I am including the FEMA declarations and the FEMA disaster forbearances XXXX  placed me on. ) The second FEMA disaster forbearance ended on XX/XX/XXXX. We were hit by Hurricane Michael declared by FEMA on XX/XX/XXXX. XXXX was in process of trying to find out if I should be placed on another disaster forbearance or should they proceed with the disaster modification. 
I spoke to them on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX, XX/XX/XXXX ( Mrs XXXX ) who confirmed my file was submitted to XXXX XXXX on XX/XX/XXXX and they were still waiting on a response. Then on XX/XX/XXXX ( XXXX XXXX ) he said it was still in review. On XX/XX/XXXX ( XXXX XXXX ) she said it was still in review and I need to wait. They all said this was a special situation since we were hit by back to back hurricanes and they were trying to decide how to handle it. On XX/XX/XXXX ( XXXX XXXX and supervisor XXXX XXXX ) both said it was still in review and to wait. 
Well I received a Notice of Servicing transfer dated XX/XX/XXXX and from that point they said I need to speak to the new servicer. No one from XXXX told me they were going out of business or that my loan was being sold and not just service transferred. I received a notice stating my loan was being sold on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
unknown debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Signed up for a ( Free ) credit report from transunion. Nowhere on their page does is it readily apparant there would be a recurring fee of XXXX $ monthly. I noticed the charge immediately and contacted them as soon as they opening at XXXX. Only to receive absolutely no help whatsoever. I'm now in the process of trying to contact my bank to dispute the charge.

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I was notified by XXXX XXXX XXXX. on XX/XX/XXXX that my husband 's SS #, DOB , phone number ( but not address ) and identity had been used to get credit from XXXX XXXX  to purchase furniture online from XXXX XXXX XXXX for {$4700.00} on XX/XX/XXXX. The loan was purchased by Cavalry SPV I/LLC ( file # XXXX ). I discussed this with Cavalry and the address used was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA and we had never lived there. I assume the furniture was delivered there or some other location. It looks that purchase happened on 2 separate occasions. We have never lived in XXXX XXXX. Cavalry had my current address as they send us the bill. They would also have my previous address. 

I did file a police report with XXXX Co. GA sheriff 's office ( file # XXXX ). I also wrote a letter to Cavalry explaining that this was not my husband and we never purchased with credit from XXXX. I have purchased from there but always charged with XXXX. 

I believe Cavalry knows this was not my husband and this was identity thief/fraud based on my discussion with them but they are continuing to contact us. This is harassment as we are the victims! They know the furniture was purchased under fraud and they know where it was delivered! I requested the debt be removed from our credit reports and any other places it may appear as it is not us! According to them, they need this formal, notarized document to do an investigation. That is not a legal requirement! I want this to go away and them leave us alone!

Company response to consumer: Closed with explanation