vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed everything to Experian to have fraudulent accounts removed from my credit report and Experian removed the account and reinserted it. I did not get any notification of the reinsertion and this has drastically hurt my chances of me getting a house.

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 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX  who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TX

Complaint narrative:
The credit agency has refused to remove the false reporting on my credit report from the XXXX XXXX XXXX XXXX XXXX the existence of an abundance of evidence that shows that the XXXX XXXX XXXX XXXX made mistakes and it clearly stated that they did not have the expertise to properly dispute a charge. 

Inside of my written statement there is a link to the XXXX recorded conversation with the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX where the XXXX XXXX XXXX representative clearly states that they are not qualified to dispute my charge, yet the credit agencies continue to post this delinquency on my credit account even though it was not my fault. The agencies have an obligation to look at both sides and make a determination with regards to who is telling the truth and not simply taking the side of the organization reporting the delinquency and to date the credit reporting agencies have not done so, they have simply rubber-stamped whatever the merchant says and posted the negative comments on my credit report in lieu of the abundance of evidence which shows that It was not at fault due to the merchants inadequacies related to handling legal disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
In XXXX of this year I received a call from XXXX XXXX XXXX regarding my car payment, I was behind and I explained to the rep XXXX that I had been in a abusive  relationship and I had been trying to get away from the person but my life was threaten repeatedly and I also suffered some financial loss due to being repeatedly injured, I told him that I can send him copies of the police report and the criminal order of protection. XXXX told me to make a payment by XX/XX/XXXX and he would get with the committee to get a hardship waiver for a few months so that I can be current on my payments and have a little time to get myself together. I had been making payments and then in XXXX my great-great auntie told me that a police officer came to her house looking for me. I contacted the officer and I was informed that my car was supposed to be seized for sheriff sale. I was so shocked, how could this be? So I went to file chapter XXXX bankruptcy and can't afford an attorney to represent me, I heartbroken because they let me make payment after payment and then decide to repo my vehicle, no one ever notified me that my vehicle was up for repossession. I have never had a problem out of a financial company like this. In XXXX I felt like I was lied to because the rep wanted me to believe he felt sorry for the abuse issue I had. If I would have known my car was in jeopardy of repoed I would have slept in my car until things were taken care of. I had to move twice in one month because he located me and threatened my life and I was afraid. I just think whitney bank business ethics are horrible and they are putting me through so much stress its bad enough I have to fear for my life. I have never had issues with making any of my car payments until I went through the unfortunate situation this past year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I originally took this 30 year mortgage out with XXXX in XXXX. In XXXX XXXX recommended I refinance the balance at a lower interest rate and use their Bi-weekly Advantage Plan whereby I made the equivalent of two extra principal payments per year. This plan, administered by XXXX XXXX XXXX, would pay my mortgage off seven years earlier than the 30 years contracted. We took advantage of this plan starting in XXXX of XXXX. Last year XXXX turned our mortgage over to Mr. Cooper. And a few months ago XXXX informed us they would no longer administer the Bi-weekly plan and we would have to arrange a payment plan directly with Mr. Cooper. So I now have almost 6 years of extra payments on this mortgage through a plan that is no longer available. I have been trying to get an Amortization Statement from Mr. Cooper that will reflect my past payments, including the additional payments made, as well as what future payments remain and the settlement date. Obviously I want this information to insure I am getting full credit for the advance payments weve made. I expected this statement would be readily available. But after spending hours on the Mr. Cooper website and another hour with their customer service people, I was told I could only get this information by a special request to their research department. I have made that request as instructed via e-mail and advised them that the lack of this information is holding up the completion of a financial analysis by my accountant and to please expedite this report. But I have not gotten a response of any kind, nor have a gotten a response to my follow up e-mail asking for the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task. 

I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX. 

After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice. 

I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX. 

I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund. 

XXXX XXXX still has XXXX balance at {$420.00} on XXXX. 

Even though XXXX XXXX said they would send my refund - they still have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: ERC
State: NY

Complaint narrative:
I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I opened an account with M & T bank on the XXXX of XXXX. I was told my account would be new but if I were told that it would take six days to deposit a check for 30 days I would have walked out. 

Whenever I called the bank I'd get conflicting information. I deposited another check last Thursday ( XXXX of XXXX ) from my employer and I have to wait till Saturday ( XXXX of XXXX ) to access my money. I spoke with the branch manager and told them I'd be closing my account and asked for a wavier of the {$50.00} closing fee and she said come in Monday. 

This bank has been holding my money hostage with these holds and I find it extremely inappropriate that I must wait till Saturday to get my money in to close my account with this Bank that has caused me so many delays in my life. Like I said if I was told moments like this will occur for 30 days I would have walked out of the bank and not opened an account there.

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX card ( XXXX XXXX XXXX XXXX ) with two lines of credit, one for in store use and the other for use wherever XXXX XXXX cards are accepted. I missed a {$5.00} payment on the card which was due XX/XX/18 for a product I ordered online at XXXX on XX/XX/18. Once I received the XX/XX/18 bill in the amount of {$7.00}, which had a {$2.00} fee included, I paid the bill on XX/XX/18 instead of on the due date of XX/XX/18. Now in XX/XX/2018, although I had no purchases on the card since the {$5.00} purchase incurred on XX/XX/18, I received another bill for a {$2.00} fee. I called XXXX and they waived the fee and the associate told me that it was interest accruing up to the date I made the payment. I do not understand how it is interest and the amount was not noted under interest, but noted under fees. Also, if I get a bill that note {$7.00} must be paid by a due date and the {$7.00} was paid by that due date, I would not expect to receive a bill in the next month for interest accrued up until the day the payment was made, unless it is stated clearly on the statement that actual amount due is greater based on interest accrued daily and to call XXXX for actual payoff amount. Otherwise, the fees will be repeated ( never ending ) each month due to daily accruing interest. I also could not figure out how they arrived at the amount for balance subject to interest. I think the statement ending XX/XX/18 was misleading and the practice of charging fees after a balance was paid on time and in full is deceptive.

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 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/18 I made a payment to the XXXX XXXX in the amount of {$900.00}. On XXXX I made a small purchase in the amount of {$7.00}. Because of the holiday I believe this caused these items to show on the same day although they actually were not, nonetheless the funds were there to cover both purchases. I purposely made a payment for {$900.00} which was less than the amount owed to avoid overdrawing the account. On XX/XX/18 approx XXXX I made a withdraw from a none pnc atm in th amount of {$400.00}. At this time my account showed I had approximately {$23.00} available. I knew I would be charged for this withdrawal. Unfortunately a charge came out of the account for {$9.00} which should have come out on the XX/XX/18 again because of the holiday I believe the charge was delayed in processing. I expected at this point to be charged for the {$400.00} withdrawal and the {$9.00} charge that came in. When checking my account I realized I was charged 2 additional fees a total of 4. I called pnc customer service and spoke with a rep who transferred me to XXXX XXXX ( account manager in the escalation dept ). I was told that had I waited until a certain time to withdraw the money I wouldnt have received these fees. PNC seems to play with actual dates and times so that they can charge you the most money that they possibly can. My online account shows that at the end of business on XXXX I had enough money to cover every purchase up to that point. The withdrawal is the reason they are charging me additional fees. Although a computer may not be able to see dates and times but an actual person can see when purchases were made and when the withdrawal was actually made. I would like the 2 additional fees returned to my account. I had enough money in my account to cover all charges with the exception of the withdrawal and the XXXX purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM XXXX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
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
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Every since i started making complaints with CFPB about Equifax, they have blocked my internet access to view my credit report or dispute items on my credit report at ( https : //www.ai.equifax.com/XXXX ) now that i have complained about Equifax Inc i am having problems i did not have before. 
I would like Equifax to stop bullying me and restore access to my account, credit reports and my dispute results. 
I also believe Equifax Intentionally mispelled my address again after it waas corrected. 
( They have my adress as XXXX XXXX XXXX ) - ( My address is XXXX XXXX XXXX ). 
That intentional change of that 1 letter has caused me problems and financial difficulty. 
It should be listed as XXXX not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My husband and I paid XXXX XXXX XXXX XXXX directly on XX/XX/XXXX. The manager agreed to retract and remove from collections. 

My husband and I filed for a dispute on XX/XX/XXXX, with all three credit bureaus. The collection was removed from my report, but now my husbands. 

The apartment complex did not remove the collection in XX/XX/XXXX as agreed after I paid. Procollect should have deleted it off both our credit reports per complex.

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 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The buyers of our house were pre-approved by Wells Fargo ( XXXX XXXX XXXX XXXX XXXX, AK XXXX, Branch Manager XXXX XXXX XXXX phone ( XXXX ) XXXX ) and we entered contract with the buyers and their lender ( Wells Fargo ) to close the sale XX/XX/XXXX. When the sale did not close the XXXX ( violating the terms of the contract ) the lender blamed their client ( the buyers ) for not getting them information in a timely manner. We were informed by our real estate agent that Wells Fargo had all pertinent paperwork to close the sale on Monday, XX/XX/XXXX and that it went into final underwriting Friday, XXXX but it is still not closed, effecting our ability to pay for the loan on our new house. We have made multiple attempts through our agent to contact the lender. We were told various conflicting information about why they are in violation of the contract, including that the buyers sold their business mid-XXXX leading to them getting a new loan approval. Now, as the lenders it was their responsibility to inform their clients that they should not buy or sell anything large or do anything to affect their credit rating, but Wells Fargo was negligent, did not inform their client and then blamed said client to the process starting over. The buyers are also an immigrant couple with limited knowledge of the English language. I do not believe a translator was provided to them or an adequate attempts made to explain their rights and responsibilities in regards to their loan.

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 2018-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
We have been attempting to set up automatic payments to PNC Bank on Home Equity loan # XXXX. We previously had this set up but stopped when we experienced a drop in income for VA Disability. After a 19 month battle the VA decided in our favor increased the monthly disability and paid a settlement to us. I have been trying to get PNC to reestablish autopayments but only get form letters. Critical information on our loan and property. Our 1rst Loan with PNC Mortgage is for {$500000.00}, this Home Equity is {$110000.00}. Per the PNC appraisal the home is only worth {$350000.00}. This debt was also discharged and not reaffirmed in my 2007 Chap XXXX Bankruptcy. PNC wrote off the debt. There is no equity for the PNC Bank Home Equity 2nd lien. Despite all of this we are willing to make payments via auto deduction but PNC employee 's don't know how to assist. We ask PNC to reestablish the auto payments or completely forgive the loan and release the lien on the property

Company response to consumer: Closed with explanation