vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/XXXX I had a Wachovia Bank Account. On a Friday that I moved, I gave the mover a post dated check and asked him to deposit it on Tuesday, as I had a lot of ATM transactions over the weekend and I would make a deposit on Monday. 

He cashed the check on Monday and because the bank withdrew the check first, they charged me about 10 overdraft fees for {$35.00} each. The check was post dated and it was cashed prior to that date. 

Now, 10 years later, I find out that the debt was sold and now they're after me. 

I am in hardship. I was in a shelter in XX/XX/XXXX and XX/XX/XXXX and I have not been able to find work. The little money that I make I give to my daughter who is allowing me to live with her. 

At the time that this occurred my daughter had just turned XXXX. I was a single parent her entire life. Her little life depended upon me. It prevented me from buying food and clothing for her and limited my ability to help her get off to college in NC. 
Also, I did not have a checking account until XX/XX/XXXX-XX/XX/XXXX because of this. I had to use greendot, etc. 

The bundling of fees is not okay. Additionly, I was a customer since XX/XX/XXXX and at several different points had over XXXX in the account and they were always charging me overdraft fees instead of taking the money out of the savings. This was an ongoing problem and I never disputed it, but rather paid it. 

I can not tell you how deeply devastating this was to me. I actually ruined my entire life!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2018, Citizens Bank processed a DDA Debit for XXXX on my checking account for an offset for an old account that I had with them. However, since the sources of income for that account are Unemployment and Child Support, those sources are considered uncollectable and are exempt from debt and garnishments. They are refusing to return my unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Altisource Portfolio Solutions, S.à r.l.
State: AZ

Complaint narrative:
Frequent calls from same debt collection agency in early morning. All from a XXXX area code, but using different numbers every time. Listed as follows : +XXXX- XX/XX/XXXX XXXX   +XXXX- XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX   +XXXX-XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX Plus several additional calls during the day. Calls are from XXXX XXXX XXXX, based out of XXXX which is where I live so they know the timezone. Have sent cease and desist letter to no avail so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal? 
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation. 
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error. 




Thanks XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX   asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not  documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to chase bank in person to check out a company before I sent a wire transfer for {$6500.00} onXX/XX/18.. I asked bank mgr. vp XXXX XXXX, I asked specifically If XXXX   has any red flags associated with it, she typed into her computer & said no it all looks good, no red flags ... .So I figured if the bank found no red flags, no scams associated with XXXX , I would go ahead with money wire, which I did..my husband XXXX also called me when I was in the office with the VP, I repeated no red flags with XXXX XXXX, it's a go, we are doing transfer now.The money was supposed to go into an escrow account till delivery of RV, on tracking # said 5 day delivery, which I would have 5 days after delivery to inspect before funds were to be released. It was complete fraud, which we found out on sunday nite XX/XX/XXXX18 We immediately called the police & the bank next..about XXXX ... Bank said they could not do anything till XXXX call back then, which I did, said they would text XXXX XXXX for a retrival, no avail.money was taken out right away, account still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
PayPal calls every two days with the same exact script, contending they have no record of calling more than once a week. When I answer, they usually will wait 5-10 minutes before actually speaking and never listen to the info I share or have any knowledge of the online message center information I have shared while past due.

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 2018-09-12 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: SC

Complaint narrative:
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( Equifax, XXXX, XXXX ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. Equifax has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , XXXX , EQUIFAX 3.  RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: SC

Complaint narrative:
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, XXXX, Experian ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX   yet the bureaus say they verified through XXXX XXXX  and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO EXPERIAN , XXXX  , XXXX 3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT  STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED

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 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
On or after XX/XX/2018 I contacted and spoke with a representative from XXXX XXXX. I was told they were collecting for XXXX XXXX for a bill that I owed and the details were discussed. I told the representative that I would be handling the debt directly with XXXX XXXX and they should cease and desist all communications and actions with this account. I was further told fine maam and was abruptly hung up on. I further proceeded after verbally communicating with XXXX XXXX to send a certified return letter stating according to the FDCPA to cease and desist all actions and communications with me. XXXX XXXX received and signed for the letter on XX/XX/2018. To no avail, Online Collections reported this collection to the credit bureaus on XX/XX/2018. I contacted XXXX XXXX  again on XX/XX/2018 and spoke with XXXX the assistant manager who refused to give her last name and was very rude in her demeanor. I attempted to let her know that I sent a letter and went over it with her but she rudely cut off. XXXX stated the law only applies to communication we can still report it to the credit bureaus. I told her she clearly wasnt knowledgeable in the law pertaining to Public law 95-109 and 99-361. Needless to say, the conversation did not end up nowhere. I made her aware that I would be contacting the Federal Trade Commission and my Attorney General 's office. She then asked for my attorney 's information. I stated there is no need for me to give that to you and the proper channels will contact Online Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft and I pulled my report last year and noticed fraudulent student loans took out in my name. I have been trying close to a year now to resolve this issue by contacting ; XXXX, XXXX, XXXX, Navient and my local police department to file a report. I even filed a FTC report to clear my name, I even provided this information to Navient & XXXX and they are still refusing to help me. $ XXXX in student loans I did not take out is in my name. I am a XXXX XXXX XXXX  without a XXXX XXXX XXXX. 


Account Number : NAVIENT XXXX / XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I paid Cashnet usa on XX/XX/2018 in an attempt to try and pay the loan down. Cashnet USA agreed that they would lower my payments to {$30.00} a month because I requested a readjusted payment schedule because I only get paid once a month and they have my updated bank statement to validate. They refused to accept the new payment arrangement and and they keep calling me and harrassing me for the full amount when they already know that I do not have the money and they keep tacking on interest so I will never be able to pay the loan back or it will take a long time to repay the loan. They are demanding that I pay what I dont have at this time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from XXXX claiming an amount own to Chase Bank, no further details on the account and caller claimed to set up a payment plan, but the info to call back give was a different phone number XXXX with no extension or caller name to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is in violation of RESPA guidelines and in violation of CA HBOR. This dispute is being filed to establish a paper trail of these  violations for litigation purposes. 

1. RESPA requires lenders and servicers who receive a modification package to acknowledge receipt of that package within 5 days and provide an answer to that request within 30 days. Wells Fargo has received a complete package yet has established delay department referred to as a re entry department which has made Wells Fargo violate RESPA guidelines. The package was submitted on XX/XX/18. As of today XX/XX/18 we have been advised the re entry department is unnecessarily holding up the file for erroneous reasons. This is not acceptable 2. Wells Fargo re entry department states their mission is to determine whether a person can apply for a loss mitigation option based on previous attempts. CA HBOR removed the provision this year that allowed lenders and servicers to deny borrowers loss mitigation review based on previous reviews. Therefore this is an illegal practice by Wells Fargo and it must Cease and Desist that practice in CA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: AES/PHEAA
State: CO

Complaint narrative:
Repayment status since XX/XX/XXXX, IBR payment {$0.00} + PSLF enrollment. 
I was put into an un-requested administrative forbearance in XX/XX/XXXX due to Chapter XXXX notification : qualifying PSLF payments are not being counted for this time frame and another time frame in from XX/XX/XXXX to XX/XX/XXXX due to employment change. XXXX got the certification from BOTH employers, there was no break in employment. 

The Mass. Attorney General Sued XXXX XX/XX/XXXX for : For borrowers on track for PSLF, the lawsuit alleges that XXXX XXXX   engaged in a variety of activities ( such as paperwork delays and erroneous determinations ) that forced people into forbearance instead of qualifying PSLF payments, or it failed to properly count qualifying PSLF payments. These actions caused thousands of PSLF-eligible borrowers to be in repayment far longer than they otherwise would need to be under the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My husband and I resided in XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. From XX/XX/XXXX, to  XX/XX/XXXX, I complained about a roach infestation to management and even wrote a letter to corporate multiple times. I was told the problem would be taken care of, and even after the birth of our daughter in XX/XX/XXXX, the problem worsened. We gave the apartment a 30 day notice that we would be leaving due to pest issues. The roaches were in our walls. Everywhere I turned, there they were and it was terrible! So much so, I found them in my infant 's room, and our kitchen. Shortly after we gave them the notice, our entire stove caught on fire! We were told that XXXX XXXX would take care of all of this and they never did. They are charging us for payments that we do not owe. We have already taken care of this. They have removed it from my husband 's credit but it still remains on mine. I tried to fight them by writing them and calling, and no one has returned any of my calls. This is ruining my credit and stopping me from renting another apartment. I am devastated. I am crying out for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation