vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. 

I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. 

XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX   daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. 

Please advise me as to what I can do to stop this terrorizing from this VENDOR. 

Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX> To : XXXX <XXXX> Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. 

XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I've repeatedly asked them to stop calling. Someone tried to tell me I had to send it to them in writing but I explained that he keeps calling me while I'm at work. Today ( XX/XX/18 XXXX XXXX ) was the last straw when the called my work number. I've told them multiple times to stop calling me but they refused to and they keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: CA

Complaint narrative:
Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX XXXX # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report

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 2018-04-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred two ( 2 ) Non Sufficient Funds fees in the amount of {$35.00} each for a total of {$70.00} in fees. Non Sufficient Funds fees occurred on the following dates : XX/XX/2018 for a transaction in the amount of {$220.00} and XX/XX/2018 for a transaction in the amount of {$18.00}. I'd like to point out that if the first Non Sufficient Funds fee from XX/XX/XXXX was not applied, there would have been sufficient funds in the account to cover the {$18.00} debit.

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with Wells Fargo until XX/XX/2018. Prior to that date, Wells Fargo approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. Wells Fargo sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to XXXX XXXX XXXX ( XXXX  ). I have called XXXX on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact Wells Fargo to obtain the authorization. I have confirmation of receipt for both the fax and the email. Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. XXXX is violating the terms of the modification that was approved by Wells Fargo and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from Wells Fargo prior to the transfer of the loan. The XXXX loan number is XXXX The Wells Fargo loan number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
Ability Recovery Services is a debt collection Agency, located at XXXX XXXX XXXX, XXXX, XXXX or XXXX. XXXX XXXX in XXXX, XXXX, XXXX. The collect for XXXX XXXX located in XXXX The XXXX XXXX XXXX XXXX XXXX, GA XXXX. Sometime last year 2017 around XXXX, I was considering attending XXXX XXXX for their travel program. My mom got deathly ill and I never started. Well I received a bill from Ability stating that I owed {$800.00} ( and some change ) to them on behalf of XXXX. I told them I never started so I did not owe anything. They said since I didnt cancell, I owed but I could settle for {$310.00}. So I paid the {$310.00} on XX/XX/XXXX ( which was before 30 days ), so it would not go on my credit report. Once I received my credit report it showed I owed {$800.00}. I called Ability to ask them for a receipt to be sent to me via email to show I no longer owe any money on this account # XXXX. My account rep began to say he could not remove the {$800.00} off my credit report and lied to me that I would receive a paid receipt. Luckily I paid with a credit card and can show proof. He refused to update my credit report with the damaging information and was very nasty and rude and hung up on me. I have filed a dispute but am filing a report for fraud. I work in the legal capacity and this company should be shut down. A lot of complaints from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: ME

Complaint narrative:
I attempted to refinance the loan debt I currently have through two companies. One was Discover, a company that already holds the loan debt I was attempting to refinance. I can not afford the payments of the ever-increasing fixed rate loan. I was instantaneously declined for the refinance despite my XXXX credit score, perfect payment history and my {$110000.00} in combined household income. The only " solution '' Discover was willing to offer was to provide me with interest only payments of approximately {$490.00} per month, opposed to the full payment of around {$560.00}. That is not a solution, but rather a XXXX on a much larger problem. If I can not afford to refinance per Discover 's own requirements, how on earth can I afford the higher monthly payments of the variable rate loans? 

The irresponsible lending practices of the bank that allowed me to attain this loan in the first place can not be ignored. If, as a student with no job and the prospect of being a XXXX, I qualified for such a large loan at such a high interest rate after already borrowing even more from another company, the lender was irresponsible at best, criminal at worst. I should certainly qualify for a reasonable, long-term solution now that I have an income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late?

Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report TAX LIEN Ref # XXXX this lien was withdrawn last month, there is no record of it in the courts, please delete

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 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MD

Complaint narrative:
I contacted Discover Card on XX/XX/2018 to see if there was any offers or opportunities to lower my interest rate. After speaking with an agent, she offered to apply an additional {$25.00} to my principal if I made a one time payment on my account at that moment. I asked the agent if this would result in a double bill since I enrolled in auto pay. The agent said no, it is illegal to bill me twice in the same month. After agreeing to it, I noticed on XX/XX/2018 my checking account was missing an additional {$200.00} which was the result of being billed again by Discover. After calling in to report this and ask for a refund, I received subpar service and was told that a refund check would be mailed out in 3-7 business days which caused me to miss my student loan payment. I asked repeatedly if there was any way to overnight my refund and I was told no, it's against their policy, despite the fact that they provided inaccurate information. The response was totally inappropriate given the situation. As of today, XX/XX/18, I still do not have the {$200.00} that they illegally took from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This complaint is in response to complaint XXXX : Citibank refused my payments which is not legal and has un-closed an account in an attempt to validate their erroneous reporting of my account being late as I have never made a late payment to the account. The representative did not accidentally take a payment from me, she informed me my ability to make a payment online was blocked as I was in a chapter XXXX but I could make my payment by phone to her. Now they wish to pretend they did not willfully violate the Chapter XXXX they thought I was in by accepting payments and would rather un-close the account to show it as being paid late when it was not. I am returning the checks to Citibank along with the attachments below showing the Trustee Motion to Dismiss and my response as I am pursuing action for the fraud. If Citibank shows late payments on my account after reversing an account paid in-full I will proceed with legal remedy as the only reason they are doing this is because CFPB was asked to make them correct the erroneous reporting and they would rather willfully damage my credit then to simply correct the erroneous reporting and close the account. Please note the Trustee 's letter says " PETITION '', not " CHAPTER XXXX PLAN '', as Citibank was told I never affirmed a " VOLUNTARY PLAN '' and they were never submitted to the court as part of a plan. 


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 2018-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a total of 5 open accounts and 1 account that was closed. 
I attached a screen shot of the status for all my accounts and the one account that is showing a negative/DELINQUENCY is XXXX XXXX XXXX, the same one Experian is saying doesn't have a DELINQUENCY reported for it. PLEASE review all the screenshots and advise why my report has the DELINQUENCY. 

P.S. 
I attached the original letter from XXXX XXXX stating they incorrectly reported the DELINQUENCY on my report. But you are saying that does not relate to XXXX soooooo ... .... Which account is it for????? I attached status of ALL MY ACCOUNTS FROM EXPERIAN .... THIS SUCKS THAT I PAY MEMBERSHIP WITH EXPERIAN AND I CAN'T GET THE ANSWER OR PROBLEMS RESOLVED.

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 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I made travel reservation with XXXX on XX/XX/XXXX and paid {$450.00} with a American Express Serve Card. Later I cancelled the travel reservation in accordance with XXXX and the travel agency policies. XXXX sent an email confirming the cancellation on XX/XX/XXXX. However, the account with American Express Serve shows the {$450.00} " on hold '', which is basically an administrative block preventing the company from releasing the funds. On XX/XX/XXXX I called the customer service center and spoke with both an agent and a supervisor who stated it was up to the merchant to refund the money. I rebutted that the merchant had already sent back the money to American Express Serve and that XXXX had emailed its itinerary showing the cancellation. However, neither the agent nor the supervisor provided a correspondence address or fax number to send any documents to settle the matter. The customer service agents and supervisor claimed the money would return to the card and that American Express Serve would release the hold " on or before XX/XX/XXXX ''. I called the customer service number again on XX/XX/XXXX because I didn't see the money in the account and was disappointed that American Express Serve did not follow through on its claim. I spoke with another customer service and stated the company still hadn't released its hold and the money was not in the account. This agent who claimed again the money would appear in the account by XXXX XXXX  EDT which is XXXX XXXX local time for me. I waited and waited but the company did not return the money. Suffice it to say, American Express Serve took the money with zero intentions of returning it to the account. The company does not adhere to its own policy of refunding money within the 8 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent. 

As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This complaint concerns XXXX/XXXX. Wanted to payoff {$100000.00} of my student loans, which is not possible through their website payment options. Had to call and press multiple times for wire information ( wire information is not available online ). As a borrower, I am permitted to direct how certain payments are to be applied/allocated to individual loans from the lump sum payment ( to the extent permitted by current federal regulations ). After applying the payment to outstanding interest as required by statute, I wanted one loan paid off completely and the balance applied to the larger, remaining loan. XXXX told me to upload a letter directing payment to my account on XX/XX/XXXX ( which I did ) and then wait 7-10 business days for some acknowledgement by XXXX of receipt of those payment instructions. Business day 10 arrived and I called on XX/XX/XXXX to inquire/confirm receipt of my payment instructions. The new XXXX representative told me they could not comply with those instructions. Instead, they would apply the {$100000.00} in whatever manner they chose, then look at my payment instructions and attempt to follow them ( essentially by undoing their transaction and then reapplying payment ). Fixing their mistake/refusal to follow my payment instructions will then take another 7-10 business days. I have demanded they waive any interest I unnecessarily incurred waiting from XX/XX/XXXX to XX/XX/XXXX for them to acknowledge my payment instructions ( I did so based on their misleading, inaccurate information ) and have further demanded no interest accrue during the 7-10 business days they will take to comply with my actual payment instructions. Given the amount of money involved, their complete inability to function like any other debt servicer is outrageous. XXXX must do better or be made to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
See attached letter for more details. They have called and still call my cell and my mothers landline. I do not owe a dime. XXXX XXXX XXXX does and I am in no relation to her whatsoever. I havent spoken to her in years! There is also another company besides this one that is also calling me. Thats why I have two reports. Please note the two different companies however both are for XXXX XXXX.

Company response to consumer: Closed with explanation