vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
i've visited XXXX XXXX XXXX on XX/XX/XXXX. They created online account for me called patient portal, where i was able to log in and see all of my information. i also had medical insurance and after my medical insurance coverage i did recive email that i have new balance due on XX/XX/XXXX. i paid my balance online on my account on patient portal on XX/XX/XXXX. few months later ive recived phone call from collection agancy that i own money to XXXX XXXX XXXX. after phone call i tried to log in to my account with XXXX XXXX XXXX to check is that true and i wasnt able to. i called XXXX XXXX XXXX ( phone number : XXXX ) after that on XX/XX/XXXX and they told me that they dont have any information about payments or bills or my account because they changed the system they use. they dont use old system anymore, that they used few months ago, so thats the reason why i can not access my patient portal account either. they gave me phone number of their accountant ( XXXX ) which i called few times and they never answer. i tried to call XXXX XXXX XXXX again to try access my bills with them and try to make a payment with them if i own anything and they never picked up. i am still not able to log in in my patient portal. but on my credit report it showed up on XX/XX/XXXX collection account by radius global soulutions that i own XXXX XXXX XXXX {$70.00}.

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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
During my conversation with XXXX XXXX a loan officer I was told that the money for a home appraisal would be refunded into my bank account if the home was appraised for the value I had stated during initial workup. A second call to Wells Fargo a week after the appraisal occurred I had not received a refund I heard upon this call that it wouldn't be refunded rather applied to my loan?! This was not what was discussed so another week later I called again and was told this time that no refund would be occurring at this point I was transferred to consumer loss prevention or some such department where I received the run around for several more months. Finally after two weeks of me calling several agents repeatedly I hear that from the calls they were " able to trace '' they would not be refunding me and that based on something that I had signed I should have been aware. While I can't dispute potentially overlooking something in the paper work I can without a doubt say this was not the conversation I had on the phone and the lack of ethics this company has shown is shameful. I would like to know what my options as a consumer are to prevent others from experiencing the same scam I have and if there is any hope of recovering my losses ( highly doubt ). Even when I talked to XXXX the executive it makes no sense why I would provide the fee upfront if there was any chance of a rapid appraisal? I feel like I was taken advantage of.

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 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR

Complaint narrative:
In XXXX of 2019, Union bank took money out of our escrow account in error to pay for an insurance policy for a condo in the same XXXX complex. When I was doing our taxes in XXXX I noticed the issue and contacted Union Bank for the first time. The disbursement out of our escrow account was {$540.00}. During this call I was told I would receive a follow up call. I have called six times over the past year. Every time I am told I would receive a follow up correspondence. Today I called again and was told they just released funds back into our escrow account.

In no way should I have had to call six times to get back my own money that was taken out in error by union bank. I spent over 10 hours having to call and micromanage this. Some other system needs to be in place because they stole money from us and had no intention of putting it back had I not continued calling for nearly a year. No borrower should feel powerless when their escrow account is drained by their lender. Union bank should have refunded the total immediately upon realizing the error instead of my escrow account funding their own errors.

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 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid US BANK {$3600.00} to pay off my auto loan as I had a buyer. I NEEDED the lien release sent to the DMV ASAP and considering its and electronic title, the dmv would receive it instantly. I then called on Monday XXXX XX/XX/XXXX to ask if they received it and XXXX had said itll get processed tonight. I then called on Tuesday the XXXX and spoke to XXXX who I was on the phone with for 56 minutes. He advised it takes 7 days to clear that payment since its an ACH. He then said make a wire transfer of that amount ( {$3700.00} ) and itll get processed in 1-2 hours. He would give a call back at XXXX XXXX on XX/XX/XXXX. I called in again on XX/XX/XXXX and spoke to XXXX. This was the most incompetent person to work at a bank who would not help, would not transfer it to a manager and told me wire transfers take 30 days to clear. Called in again the same day and spoke to XXXX who said the wire department do not have a number. I later received a call from XXXX which I submitted a call back online and she gave me the wire departments number. The same day I spoke to XXXX who had no idea what he was talking about, XXXX who informed me he cant write and email but if I wanted to speak to a manager he cant write an email, XXXX who was absolutely rude and hung up the phone on purpose. I called the corporate number and spoke to XXXX who said To speak to the escalation team you need to call the customer service number. Then hung up the phone so I called him back and made sure he knew he didnt know how to talk to customers. On Thursday the XXXX XXXX I spoke to XXXX who promised me a manager XXXX XXXX XXXX would call me back the same day before XXXX EST. Never received a call. Called again, spoke to collect who said she would send the call to a manager. Manager ( randoff ) did not pick up. On Monday XX/XX/XXXX I spoke to XXXX who said your Lien will get released today. IT. NEVER. DID. So not only did I make two full payoffs on this vehicle. I never received the title, never got through to a manager, never was informed correctly, was told to wire transfer money to them. This is the most disgusting service I have received.

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 2021-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I earned rewards points from BMO Harris for spending money on my BMO Harris credit card. I used these points to reserve flights for two trips. In both of these cases the airline cancelled the flights ( we did not ask for the flights to be cancelled ; the airline cancelled them ). I called BMO Harris after the flights were cancelled and asked them to refund me my points for these reservations. BMO Harris refused and said that I needed to get the airline to issue a refund to BMO Harris so BMO Harris could in turn refund the points to me. I thought this was unreasonable since BMO Harris was my travel agency and it is their job to obtain refunds for cancelled flights, but I decided to help them anyhow. I filed a complaint against the airline, XXXX XXXX XXXX, with the US Department of Transportation along with the Minnesota Attorney General 's Office. XXXX  XXXX  XXXX  responded and told me that yes, they cancelled the flights, that I am eligible for a refund, and that the company BMO Harris is working with for my reservations is to issue me a refund. I then called BMO Harris back and explained all of this to them on XX/XX/2021 but they again refused to issue a refund. The US Department of Transportation has issued guidance that consumers are entitled to full refunds for carrier-cancelled flights. That guidance is available here : https : //www.transportation.gov/sites/dot.gov/files/2020-05/Refunds % 20- % 20Second % 20Enforcement % 20Notice % 20 % 28May % 2012 % 202020 % 29.pdf. Note that this guidance requires refunds, NOT vouchers. The reservation and flight details are on the attached documents. Copies of correspondence with the airline and other parties are also attached for review. Note that BMO Harris has been paid for these reservations and the airline has been paid for these reservations. It is the responsibility of BMO Harris as the travel agency to work with the airline to ensure compliance with federal regulations and advocate on behalf of their customers. I paid for these flights and the airline cancelled these flights ; I am owed a full refund.

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Around XX/XX/XXXX i noticed my Bank of america Unemployment prepaid card was used at an atm that wasnt by me, someone withdrew around {$700.00} from the account, the next morning i call to report fraudulent activity on my card and was told it would be taken care of. The next day i called Bank of America Prepaid, they informed me DETR Nevada Unemployment froze the account because of my report and the only way to open the account is to contact DETR nevada unemployment. I did the next day, i submitted my ID and social to DETR and the next day they sent over a request to Bank of America Prepaid to unfreeze the account. They sent numerous request to unfreeze the account to Bank Of America, and they ( bank of america ) are not working with DETR, and my account is still frozen even after Detr and I did everything possible to unfreeze the account. Bank Of America Prepaid arent helping at all. Everything i have is sitting in a frozen account because of bank of america, i need 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 monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
had family issues and attempted to get payment plan with mortgage servicer and nothing has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I have two complaints against Carrington Mortgage Services , LLC . The first and most pressing issue has to do with my city taxes, I received a letter from my city that the city taxes was not paid and if not received by XX/XX/XXXX there will be additional interest and possible garnishment, or attachment procedures may begin. I have spoken to 7 different representatives at CMS on XX/XX/XXXX and they still are not capable of resolving this URGENT matter. They receive my mortgage payments every month without issues. I need an entity that has TEETH when dealing with these institutions, the XXXX  is not the appropriate organization to deal with these matters. 
My second issue deals with mortgage assistance during the pandemic that I never used but made an inquiry into, I received a notification on my credit that I missed two payments XXXX and XX/XX/XXXX. When I contacted CMS once again, they did not have any answers for me. It seems CMS do whatever they please and are never held accountable for their actions that can have serious consequences with their customers. 
I have attached the late tax letter I received, and I started my conversations with CMS on XX/XX/XXXX and nothing has been done and they do not have an interest in resolving this issue, because in their mind, they mailed a check, and they are done with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery continues to spam call me twice a day, 7 days a week from various phone numbers ranging across the US. Primarily Texas, XXXX, Tennessee and Arizona. I tried settling a debt with them and they refused to work with me on a plan and accepting my counter offer to settle. I was ready to settle during that call and since then they have continued to call me every, single, day. I've blocked about 50 phone numbers so far and it keeps piling up. I don't want to call them back because it will restart the " collection clock '' when I already made an attempt to pay the debt. 

Some of the most recent ones here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A XXXX company falsely represented themselves as a XXXX-based clothing company via a website marketplace that completely imitated the clothing & branding of the XXXX-based clothing company ( likely copyright infringement ). No where on the website ( link : XXXX XXXX XXXX ) did/does it advertise that they were a subscription service. The terms of the 2 purchases that I made on XX/XX/2020 were for a 1-time payment for clothing. I made the purchases back-to-back {$290.00} & {$160.00}. I grew suspicious after I made the order after speaking with friends I know that the price I paid was too low for that brand of clothing. I asked that both of the orders be cancelled the very same day ( XX/XX/2020 ). Instead of cooperating with my request the customer service representative tried to talk me out of it, which is atypical of the cancellation process. I repeated requested that it be cancelled and eventually began only receiving away messages and never heard back. I have yet to receive anything from them. This puts me in a position where I can not even oblige with their return policy because I have no product to return. I never received ANY product OR service, therefore I am 100 % entitled to a refund. I ask for your help because my bank wont help me because the charges show up as an Authorized Credit Holds. I am still reaching out to the company with the hope they come around but they haven't done anything and I know believe them to be a malicious scam. I am still trying to get help from my bank but one claims representative told me my best bet is to work with the CFPB to get my money back and prevent this malicious vendor ( scammer ) from using their predatory practices on other consumers.

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 2021-01-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I purchased a order with XXXX XXXX XXXX in XX/XX/2020 in the amount of {$420.00}. But on my credit card its statement its shows {$1000.00} I have spoken with them and they stated XXXX XXXX XXXX havent sent the proper information over to them. I have been charge the wrong amount since XX/XX/2020 2020

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 2021-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2020, I went to my dentist. One ( 1 ) of the dentist 's billing assistants discussed with me opening a credit account for the dentist to charge for work not covered by my union 's dental insurance benefits. On that day in XXXX, no dental work was performed that was not covered by my union 's dental insurance benefits. I did sign papers in the dentist 's office for future financing. I asked for copies of the forms that I had signed but was told that they were cleaning the office for COVID 19 and would give me a copy after they cleaned the office. I went to my car and called to the dentist 's office for my copies, and was told that they would mail me a copy of the forms that I had signed. I was concerned so the next day I called and I told the assistant that I did not want to go forward with the treatment. Since I never received copies of the finance application in the mail, I assumed that my wishes were followed and not financing was applied for. There was a subsequent appointment scheduled for XX/XX/2020. I cancelled the XX/XX/2020 appointment in XX/XX/2020. 
In XX/XX/2020, I received a statement from Comenity Capital Bank ( XXXX XXXX XXXX XXXX ). It appears as if the billing assistant went forward with the application even though I was clear that I did not want the dental treatment that we had discussed which would require financing. I did not authorize a transaction to be charged to this line of credit. On the XX/XX/2020 statement, that I received in the mail from Comenity Capital Bank, was a {$3200.00} charge on XX/XX/2020 by " XXXX XXXX XXXX  XXXX  XXXX  Purchas -XX/XX/XXXX-MA. '' I did not know why " XXXX XXXX XXXX XXXX  XXXX  Purchas -XXXX-MA '' charged my account {$3200.00}. I called Comenity Capital Bank to complain, and they referred me to XXXX XXXX XXXX  XXXX. When I spoke with XXXX XXXX XXXX XXXX, I was told to contact my dentist. In the meantime, Comenity Bank refuses to remove the disputed charge placed against my account by " XXXX XXXX XXXX XXXX XXXX  XXXX  -XX/XX/XXXX-MA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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