vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Bluebird by American Express closed the account because I kept filing a dispute against a merchant that took {$5500.00} from me. I never received the services from the merchant. I kept filing a dispute and reopening the investigation against the merchant that ripped me off of {$5500.00}. I even submitted a statement to Bluebird from an investigator from the attorney generals office stating that the merchant was ripping he off and the merchant was under investigation after getting all of that information Bluebird by American still didnt help get my money back from the shady merchant. Bluebird by American Express finally got tired of me trying to continue to fight to get my {$5500.00} back and closed my account. I still had over {$300.00} dollars in the account and some credits were also posting to the account as well. They closed the account in XX/XX/XXXX. They were suppose to mail my remaining funds and its XX/XX/XXXX and I still havent received my check from my funds that were in my account. My advice be careful with whom you purchase from using the Bluebird. They might let you get ripped off or may not give you your money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc
State: GU

Complaint narrative:
I owe a debt to XXXX XXXX. The debt is now with Ad Astra recovery. They took the debt XXXX of XXXX. After two years they attempted to take the funds out of my checking account without any authorization or notification. They took XXXX $ and two other transactions were returned for insufficient funds on XX/XX/XXXX. I am a XXXX veteran who needed this money to make it through the rest of the month of XXXX. I attempted to call Ad Astra recovery to get my money refunded and they said they would not refund it. They have never once tried to contact me. And after 2 yrs of having this debt they attempted to collect it from my checking account. No authorization for this company to collect this debt from my checking account. This was my XXXX from the VA they took from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Today XX/XX/XXXX I was contacted by Prestige Financial regarding my car loan via text message and was advised that my car loan and was advised that I have been past due since XX/XX/XXXX which is incorrect. My mom ( cosigner ) contacted them by phone and advised them that I recently started a new job and will be making XXXX 's payment soon ( currently 13 days past due ). The collections rep XXXX said to my mom " why are you teaching your son to pay his bills late '' She was extremely rude screaming over my mom and yelling about me being 1 payment past due. My mom then advised her not to text either of our phone numbers or she will take legal action, XXXX stated she will continue to text until he is current. My mom then proceeded to ask to speak to someone higher and she gave the line to a person by the name of XXXX who claim to have been the Assistant VP of collections. She explained to XXXX that she did not appreciate the way XXXX spoke to her and that she wanted to make a formal complaint. XXXX only proceeded to request a payment and blame my mom for XXXX 's behavior. He continued to be rude and offered my mom no solution only to tell my mom she was yelling at him. My mom then asked to for his bosses information where she was given a name XXXX who is supposed to be the VP of collections. XXXX refused to give any employee numbers or last names. My mom advised that she would be making a formal complaint as one should never be made to feel as low as they made her feel after calling them to try and resolve the issue. No one stated the Mini Miranda at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.

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 2020-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CASE # XXXX all ready filed this is additional documents received today XX/XX/XXXX Merchandise was not received from XX/XX/XXXX {$42.00} XX/XX/XXXX {$25.00} Capital One Bank have reapplied these charges to my closed account. 

I spoke with someone today in other country unable to resolve dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I had completed a Modification in XX/XX/XXXX with my former loan service, XXXX XXXX. My payment was modified from XXXX to XXXX and the past due balance was re-amortized. In addition, XXXX XXXX   changed my payoff date to XX/XX/XXXX of XXXX. When my loan was transferred to Specialized Loan Servicing on XX/XX/XXXX, they did not honor my previous loan modification with XXXX XXXX and reported my loan as past due. When I tried to make my payment with Specialized Loan Servicing in XXXX I was not permitted to do so because my loan was delinquent. 

In XXXX of XXXX I contact Specialized Loan Serving to dispute the delinquency on my account, and to honor my loan modification. Since my dispute I have not been able to get a clear answer from Specialized Loan Servicing. I finally applied for another loan modification in XX/XX/XXXX, and was denied for that modification on XX/XX/XXXX because my loan did not " meet delinquency requirements. '' I have since submitted another Qualified Written Request to Specialized Loan Servicing.

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 2020-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: The Allen Daniel Associates, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX. I have dropped out of XXXX XXXX College after three days due to getting XXXX. I had financial aid, but now they expect me to pay. I can not afford to pay for this.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I sent a check in the amount of {$940.00} to the COMMENTY XXXX rewards Visa card account I had. Upon my {$0.00} balance I called and spoke with a representative to close my account as I am no longer interested in having this card. ( Too Many frivolous charges and interest fees ) The rep tried to convince me to keep the card active but informed me of the annual fee to do so. I asked her why would I pay $ XXXX {$400.00} per year for a card I dont want and wont use. She agreed to close my account but also informed me that I had rewards on my card that I was do. 

i initially told her I wasnt interested and wanted the account closed. She then informed me that the reward was already earned and could be added to the overpayment refund I was due for the {$940.00} check used to payoff my balance. I specifically asked and was assured that there would be no fee associated with the reward being added to the overpayment refund due to me. 

In XXXX I received a bill from COMMENTY staying I owed {$80.00}. I figured this was an error so I disregarded it. In XXXX I received a second bill stating that I owe {$120.00} I then called and spoke to a representative who had no idea why not only was my account reopened but why I owe money without the card being used for a purchase. 

After waiting 10-15 minutes another representative told me that the reward was issued in error on their part and that I was responsible for paying it. 

That doesnt make sense when I was assured that there would be no fee for adding the reward to the overpayment amount. 

Secondly, how can I possibly owe first {$80.00}, then {$120.00} for a $ XXXX {$40.00} reward card amount? 

They are trying to charge me and have me repay the refund Furthermore why would I accept the reward when I made it very clear that I was no longer interested in this companys services upon repaying me debt? 

I feel that I am being mistreated and bullied among other things for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/XXXX - Dispute letter to collection XX/XX/XXXX - Validation letter to collection XX/XX/XXXX - 2nd Validation letter to collection XX/XX/XXXX - 3rd Validation letter to collection XX/XX/XXXX - {$32.00} INS fee from my bank for a {$930.00} check # XXXX from collection XX/XX/XXXX - CEASE & DESIST letter to collection ; XXXX  Complaint and Kansas AG Consumer Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Scam callers using the website XXXX calling from XXXX. These people had my wifes full social security number, date of birth, addresses, wells fargo account numbers and drivers license number. We confirmed there is no such debt but many people are reporting their being called as well with the same kind of data on hand. I believe that Wells Fargo has experiences a databreach that they have not disclosed. XXXX XXXX XXXX the number of complaints is growing all with the same story and it started late XX/XX/XXXX around the same time their website XXXX was established.

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 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: IL

Complaint narrative:
I submitted an debt validation request to Second Round LLC on this debt in XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was contacted today regarding an open account from XXXX by someone representing Bank of America. They have my info but I do not recall opening an account back in XXXX. It is now XXXX and the statue of limitations in the State of New Jersey has already expired. I would like Bank of America to stop calling me my spouse and my employer for this old fraudulent account

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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
I have filed a complain with this company a year ago, XX/XX/2019 and received no solution. This company was included in a bankruptcy filed for myself and my husband, who is a joint debtor, in XX/XX/2019 and also does not have a surety bond to collect in the State of Texas. According to Texas Finance Code  Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. Therefore, I am requesting this company to cease collection efforts and stop reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
SUNRISE CREDIT SERVICES IS STILL TRYING TO COLLECT ON A DEBT THAT THEY DID NOT VALIDATE WITHIN THE 30 DAY TIME PERIOD AS PRE FCRA LAWS IN WHICH I REQUESTED VALIDATION BE SENT WITHIN 30 DAYS FROM THE RECEIPT OF RECEIVED MAIL WHICH WAS EXPRESS MAILED NEXT DAY SERVICE XX/XX/2020 AND RECEIVED XX/XX/2020. TODAY XX/XX/2020 I RECEIVED A LETTER OF VERIFICATION NOT VALIDATION OF DEBT.

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 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc
State: MI

Complaint narrative:
This company is leaving harassing messages saying they will arrest me at my place of employment or home if I do not comply with them. They have contacted various family members leaving the same message with them for me. The company is trying to collect on an old debt where the statues of limitations have expired for them to collect through a law suit. In 2019  they contacted me and I asked them to stop. I am afraid if I contact them again they may try and bully me or trick me into something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
wfds XX/XX/2017 {$11000.00} i have send several letters about this debt and company never repond i have letters to prove

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 2020-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020. 
Initial Question/Comment : I have been on hold for two hours to my bank Regions, regarding releasing a hold on my account.. I have called back after being cut off and on call again. How can I remain on hold for half a day? How can this be allowed in a so called first world country. This is absurd! 
After numerous calls and getting nowhere, I finally got a agent who suggested going to a branch to try to resolve the issue, as she could do no more than to send me back to hold again for XXXX knows how long again.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have one Wells Fargo credit card account and had four different card statements all from the same account with a closing statement dated XX/XX/2020 On XX/XX/2020, not one of those closed cards had a balance of over {$100.00} The new card had been generated XX/XX/20 and has been turned off since XX/XX/20 and remained off ever since. There have been numerous mistakes and payment reversals and misapplied payments

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 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I submitted an debt validation request to XXXX XXXX XXXX on this debt in XX/XX/XXXX that was never answered. 

Instead, they have been contacting my relatives constantly over the past few months to get ahold of me, when they already have my contact information and know how to contact me. 

I spoke to XXXX XXXX on XX/XX/2020 and attempted to work out a Debt Payoff agreement. He said the client would only be willing to work with me if I provided the name of my employer, monthly household income, among other personal, irrelevant information. 

He also classified my account as pre-legal which he essentially characterized as them getting ready to sue me. 

I am trying to get more information on the nature of the debt which was never answered and hope to work with them to settle out what I owe, if anything. This agency harassing my family and asking for irrelevant personal information as a requisite to a payoff agreement is absolutely absurd and puts already vulnerable people at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
Harassing Phone Call received from Gurstel Law Firm ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
Gurstel Law Firm is representing XXXX XXXX XXXX  in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: CITIBANK, N.A.
State: MN

Complaint narrative:
In late XXXX I was forced to cancel a planned vacation due to a serious illness. The trip was, in large part, charged to my Citibank XXXX credit card. I called, about XXXX XXXX to request the refund XXXX XXXX had returned to my Citibank card be transferred back to me, electronically. The amount was approximately {$12000.00}. The current credit balance is precisely {$12000.00}. To date I have yet to receive my money. 
The reason given to me initially was I had given them the wrong bank routing or checking account number. Though I had not, I provided the information again. After about one week I was told it would take another 7 to 10 days. Then another 3 to 5 days. Finally, I was told the problem was Citibank could not confirm the checking account I had provided was actually mine. So, we agreed I would receive a paper check. After a week I checked and was told a paper check would take 3 to 4 weeks. At this point I have zero confidence I will receive my money at the end of this time which is another 2 to 3 weeks away. 
Please see my emails to Mr. XXXX XXXX XXXX, CEO of Citibank. No response has been received to either of them. Please help me assure I'm going to get my money. I need it more than Citibank does.

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 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Ovation Financial Services, LLC
State: MI

Complaint narrative:
OVATION : I paid {$100.00} a month for 3 months with little results so I stopped payment and went to XXXX XXXX  who charged me {$60.00} and now wants {$60.00} a month and I am being turned down for loans and only can get a {$300.00} credit card as I have an outstanding credit card I am trying to save to pay off of {$1400.00}. 

Sincerely XXXX XXXX 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