vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX charged my credit card {$1200.00}, which has exceeded over my limit for {$600.00}. My income has changed since and now I am working for XXXX XXXX XXXX  and I am making {$11.00} per hour. I can not make the {$600.00} payment that Citi is demanding. I can only make the {$49.00} minimum payment until can secure a debt consolidation loan. I just started this position with XXXX XXXX XXXX making {$11.00} per hour and I get paid every two weeks, That's {$880.00} before taxes and I still have other financial obligations such as rent, insurance and daily expenses. Citi is harassing for a with calls and emails for a bill that I am unable to pay due to my low paying job. I am only able to maintain the minimum monthly payment for {$49.00} per month that I make on time.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A lot of information on my credit does not belong to me! I have never had XXXX XXXX! I have never had any credit card! Never had any student loans! This is unacceptable!!!! YOU HAVE SOMEONE ELSES INFORMATION ON MY CREDIT AND IT NEEDS TO BE FIXED!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
For almost three years I have been a member with PNC. For the past 2 years, I have been receiving direct deposit on Monday from XXXX in the amount of XXXX. On Friday XX/XX/19 my check was direct deposited from XXXX to PNC. On Monday XX/XX/19 I checked my account to find that it was negative in the amount of XXXX. At XXXX XXXX  I called PNC only to be told that if I dont get the Funds in my account by XXXX on XX/XX/19 I will be charged a overdraft inwhich all of the fees will not be reversed. In the 3 years I have been with PNC I have probably overdraft my account twice. And obviously today it is a glitch in the system. So for them to try and hold me accountable for all these fees and reverse them is ridiculous!!!! Especially when none of this is my fault. I have had issues with PNC and their system glitches in the past taht lead to several of the same transactions being taking out multiple times. So who am I to believe that this is anything different!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i requested for a loan modification with Wells Fargo during a hardship, they did not include my husbands income or child support court ordered income or my income for a rental property and they basically denied my application stating i would be eligible for a short sale which was something I was trying to avoid. I would like my information reconsidered for better options.

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 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Back around XX/XX/2018, I noticed Capital One Credit Cards showing up on my Credit Reports. I promptly sent a request for information from the company, about the alleged debt in a form of a loan. Capital One ultimately took two of these accounts off my report. But left one still remaining on my reports. So I continued to question this alleged account, I did not recognize. Every time I ask them to provide me answers to questions Ive asked, they have answer with generic answers back. Thus not providing important information, that they as business should be able to answer. I literally wanted some with first hand knowledge to answer my question. But time and time again I received generic response, that wasnt even what I was inquiring about. This we back a forth for a while. Recently they have filed a lawsuit. In this law suit they include a affiliate, that supposly is someone of first hand knowledge. That says I owe them money. What is interesting is this person NEVER answers my questions I sent to Capital One. Its not till they filed a lawsuit, this alleged XXXX, comes forth. So I believe she are lying about having firsthand knowledge of this alleged loan. She never contacted me once. Even, when I requested to speak with someone with first hand knowledge. Their action speak million words. They have not been able to prove they made a legal loan and complied with Truth and Leading act. This is why its so suspicious they decide to sue, instead of answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Street Personal Finance
State: SC

Complaint narrative:
I had a payday loan with XXXX XXXX in XXXX, SC. They have called my job everyday for a few weeks now, and today was asked to stop contacting me at work. They stated they would then come see me at work if I couldn't talk to them over the phone. threatened to come up to my employer which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Back in 2015, I rented a house and the house had some major issues wrong with it. I went to court and the judge signed a judgement for {$1700.00} in favor of the landlord, the landlord already had a security deposit of {$1200.00}, which left a balance of {$400.00}. The landlord is reporting that I owe {$2800.00} and hired the collection agency Hunter Wardfield to collect. I have reached out multiple times to the agency and I have disputed at 3 times the credit bureaus, I getting back that this is a valid debt. So I have been advised to file a complaint with CFPB. In the judgment, it does include 3 % interest, but I have been trying to get this problem corrected since 2015 and I dont think I should pay, something that was awarded to them. I received a itemized breakdown of the {$2800.00} and all items were included in the judgment of {$1700.00} .... I have included all documentation.

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 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commercial Recovery Systems
State: OK

Complaint narrative:
Received a call from phone number XXXX stating that I had a court hearing for a " civil matter '' in a voice mail. 

I returned the call with the case number they gave me, XXXX and asked what this was in regards too. The operator would not release that information until I confirmed personal information about myself such as my address and date of birth. 

I asked if they sent any notice in the mail about this civil action, and they said yes. I have to this date never received a notice. I asked the company name that the operator represents and the only information she would give me was XXXX out of XXXX Texas. I asked if the operator would give me their website and or physical address so that I could confirm that it was not a fraudulent call, and the operator refused. I asked if the operator 's company was a debt collection agency, and she stated " We are registered as a mediation company ''. Then she asked for my date of birth again. When I refused stating that I would only give it to her once she provided information about her company, she hung up.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Client Services, Inc.
State: TX

Complaint narrative:
This company comes up on my phone as XXXX  XXXX. I called the number back and asked the name of the business and where they are located. The lady said Client Services , Inc. in XXXX XXXX, MO. They call several times a day from different numbers, but it's most always from area code XXXX, with the exchange of XXXX. As soon as I block one number, they use another one. However, in the past week, they have began to call before 8 am. Repeatedly. I have lived in the state of Texas for over 12 years. I'm in the central time zone. If the caller is unaware of this, they are more than likely trying to collect stale debt. I have received no written communication for a company with the name of XXXX  XXXX about any debt owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am concerned that my mortgage servicing company, Wells Fargo, recently ( XX/XX/XXXX ) hired a real estate appraiser who provided a ridiculously low home valuation, thereby enabling Wells Fargo to keep PMI on the mortgage. The PMI costs us about {$100.00} per month. I also had to pay Wells Fargo {$100.00} to get this Broker Price Opinion ( BPO ). The house was purchased in XX/XX/XXXX for $ XXXX ( after having initially been listed for $ XXXX ( $ XXXX/sq.ft. ) during the height of the real estate boom ). 

The BPO only had to get our home value to $ XXXX ( $ XXXX/sq.ft. ) to remove PMI. XXXX suggests the home is now worth $ XXXX. XXXX   suggests the home is now worth $ XXXX. XXXX suggests the home is now worth $ XXXX. However, amazingly, the BPO concluded the house 's present value was only $ XXXX ( $ XXXX/sq.ft. ), thereby preventing removal of PMI. The BPO acknowledged the existence of $ XXXX of added-value improvements since purchase, but apparently the broker did not feel those improvements added any actual value to the home. The BPO suggested a power washing of {$800.00}, and found nothing else deficient with the house. 

By contrast, in XX/XX/XXXX the house across the street from us sold for $ XXXX/sq.ft., in XX/XX/XXXX the house two doors down from us sold for $ XXXXsq.ft. In XX/XX/XXXX, a house around the corner sold for $ XXXX/sq.ft. In XX/XX/XXXX, an older, significantly smaller house three doors up from us sold for $ XXXX/sq.ft. ( These figures are all verifiable at XXXX ). Disappointingly, none of these sales were considered in the broker 's BPO. The broker found it preferable to compare us to homes miles away instead. We only needed to get to $ XXXX/sq.ft. to remove PMI, and it baffles us how the broker could not reach that figure given the average actual price for square foot in our immediate neighborhood. My wife and I feel cheated by this BPO purchase from Wells Fargo, who has an incentive to keep PMI on the mortgage. We feel that maintaining PMI is very unfair given the reality of the actual local real estate market.

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 2019-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
On XX/XX/XXXX, one week after we turned in our lease vehicle early and paid the last payment, Ally sent us an estimated property tax bill for {$650.00}, which the City of XXXX has a due date of XX/XX/XXXX. Due to making the last month 's payment after turning in the vehicle they subtracted {$53.00} making the estimated balance {$600.00}. This was the first year of the XXXX XXXX  car tax phase out so I knew that the estimate was not accurate. We spoke with Ally, on a number of occasions, and requested a corrected bill with the actual amount due for car taxes, Ally failed to send us the corrected bill and sent our account to collections. In XX/XX/XXXX, Ally charged off the amount of {$600.00}, we went to the City Tax Assessor 's Office and obtained the actual amount of {$510.00} and sent payment of {$460.00} because we deducted the {$53.00} that they took off of their estimate. Ally is demanding payment of {$130.00}, which is the remainder of their " estimated '' bill. This caused our " perfect '' credit score to drop 120 points. We have paid the actual amount of our car taxes to date and demand that this charge off be removed from our credit reporting with all three 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
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We reserved and paid {$3100.00} dollars to XXXX XXXX XXXX XXXX , XXXX on XX/XX/2018 for out 15 days tour to XXXX starting XX/XX/2018. XXXX XXXX XXXX went bankrupt after its licence to do business in XXXX was cancelled and we never got the services we paid for. We requested several times with our credit card provider Citi Cards to reconsider our claim to get our refund, but Citi Card rejected and closed the claim. My two sisters in law was going with us in the same tour date, but purchased the tour with a different credit card company and was fully refunded with out any issues, delays or problems.

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 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I was notified that a collection agency reported a debt on my credit report in the amount of {$640.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Debt Recovery verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Debt Recovery and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Debt Recovery requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX   years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification which day we will will never give I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification. They will not consider me for a modification because they said it would raise my payment I have no income except for a small supplement I get each month for raising my grandchildren its {$700.00}. My husband lives on Social Security and he can only afford to pay his bills and nothing more I ask the bank if they would except {$500.00} payments because I am expecting all my backpay but they will not work with me. I also slide for Social Security XXXX which I had a hearing on XX/XX/XXXX I am currently waiting for the decision on that but I applied for that two years ago and theyre claiming that if I get approved I will get that back Pay. I am stuck in a rut at this time I have no way to make money because Im temporarily totally XXXX and I have been for the last two years I ran out of money in my savings is gone my brother was helping me but he passed away in late XXXX and I want to keep my home. I have a problem with XXXX  and XXXX at this time and I just dont know what to do I need help please will somebody please help me keep my home I have nowhere to go with my XXXX children and my dogs I just have nowhere to go. Ive been in this house for the last 20 something years and I plan on paying it off one day but I just need the payments to be suspended until all this money starts coming in can someone please help me my mortgage payment doesnt seem to want to help me I dont know what to do. Another document that I turned in they claim they never got to spending my payments in XXXX of last year but Id have to have proof that I signed it and I faxed it to them because they got it to me after or close to the deadline so I faxed it to them and they are claiming they did not get it although I have a copy of it please can you please help me get some relief from this I dont wan na lose my home.

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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I noticed Portfolio Recovery Associates on my credit report around XX/XX/XXXX/XX/XX/XXXX time frame. So I started disputing their alleged debt, they said I owned. I was looking for someone to answer questions about this alleged debt. I sent correspondence after correspondence, without them answering my actual questions I asked. Portfolio Recovery keeps responding with very canned responses. Ive tried to write directly to the CEO or anyone with firsthand knowledge. No one at Portfolio Recovery is able to answer my questions, on this alleged debt. It seems they hide behind a depart such as disputes department to answer question. Hints they really do not having anyone the tell me legally how they are staying on my credit report and still trying to collect on this alleged debt, they really do not have much info on. Portfolio also keeps asking me to provide more information. If I dont recall having this debt, why would I have more information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
My account is past due, but I have been making payments on it. Walmart credit services is calling me 3-5 times per day, everyday, since the 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 non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
The vehicle was in Hurricane Harvey I have paid on the car to save my credit however I can no longer afford 2 cars the car was to be paid off by the insurance company in which I was told my coverage had lapsed at the time. I'm need this corrected on my credit report as a natural disaster so I can keep the little credit I have intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have had to review my checking account for legal reasons in fine detail ... I dont have an account with Syncb Payment XXXX Georgia ... They have charged me {$100.00} on XXXX 2018 ... I have had hacking into my email, account and now also my checking account with XXXX XXXX XXXX Kindly address this issue, thank you ...

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I checked my credit report and noticed a citibank card reporting that I never had someone is using my information

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