vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID 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 non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed 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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that Transunion showed a hard credit inquiry from the same day for " XXXX XXXX XXXX ''. After trying to find out who that was and determine that it is XXXX XXXX equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business XXXX, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with Transunion and they won't do anything because they say that XXXX XXXX XXXX shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed 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 explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Thank you for your correspondence which was forwarded to the FDIC by the Office of the Comptroller of the Currency ( OCC ). You indicated MoneyLion drafted checks out of your XXXX XXXX XXXX account causing overdrafts. You further stated MoneyLion owes you {$280.00} and refuses to return the funds and allow you to close the account.. Moneylion also states they dont have a account in my name yet report to my credit file monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OZK
State: NC

Complaint narrative:
XXXX XXXX XXXX card from XXXX XXXX is not putting my payment towards my account and now put into a collection account. this is not the agreement that I intial was offered 48 months 0 % financing. the other card was a XXXX XXXX card XXXX card which was my dad 's card and I was paying it and they took my money and them sold my account to XXXX XXXX for the amount that I had paid to them. I have tried to get in touch with them but will not return my calls or my emails. I should not have to pay this card twice and it was my dad 's account for previous debts before he passed away in XX/XX/2014. they added to my account because we have the same name and address at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
The property of Hunter Warfield in XXXX, Tx. 
I became ill unable to work.I went XXXX XXXX XXXX applied for help to pay rent. 
The Social Worker a young XXXX XXXX female Ms.XXXX  told me to wait about a week. 
I informed the Management Office they agreed to hold off filing the Eviction. 
After a week Ms. XXXX informed me that I was approved for XXXXShe told me that the stipulation was everyone who agreed to help had to have the donations in by Wednesday of that week.I informed her that the church has to have a meeting to get approval to proceed with the XXXX payment to help with the rent. 
Which would be by Friday or Monday. 
While we were waiting on the church to get the approval. 
Ms.XXXX  at XXXX XXXX XXXX decided not to help with rent.I begged her, the Management Office to allow me to get the rest of the funds from the church. 
They said no at the time we were one month behind plus late fees.I explained to the Judge my situation.I was working at XXXX .I began having health issues.They terminated me on XX/XX/XXXX.I was waiting to go to XXXX for my S S I hearing.After we threw our furniture on the curb in XX/XX/2018 .Being I'll and homeless they put in Texas State database that we owed them XXXX Then they sold it to the collections agency in Florida.I called to see if we could get the amount lowered? The head Supervisor said we had to pay at least XXXXl informed him that I only get XXXX a month.Even with 1.6 % raise in XXXX is only XXXX a month. if I had that kind of income we wouldn't have been Evicted .I would have paid them rent plus late fees.I had no control over my health issues.I feel that in situations such as mines they should not put it in the State database.We qualified for the government subsidy program for low income families.When I was honest and told them we had Eviction.She denied our lease it would have been a real blessing to pay XXXX a month for rent.We 're trying to get in a program where we can afford the rent.Not worry from monthly if we're going to be Evicted and Homeless again.Every where else they say you have to be making 3 times the rent.XXXX a month between my self and my Spouse .We 'll never be able to afford decent housing or affordable housing!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: OK

Complaint narrative:
I was divorced in 2004 and I agreed to take the school loans in my divorce. Our loans are consolidated. Therefore, they are wanting to take my tax return and my ex-husbands tax return including his new wife 's income and base my monthly payment on that total income. I have spoke with numerous people and they quote me from {$500.00} a month to {$1000.00}. I am a single mother and have no means to pay that kind of payment. My credit score went down 43 points in one month due to my PHEAA student loan account balance increasing by {$100.00} from {$29000.00} to {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I opened this Bank of America bank account in California {$300.00} deposit for account opening. 
XX/XX/XXXX I received a wire transfer of {$18000.00} XX/XX/XXXX BOA charges me {$15.00} for wire transfer fee XX/XX/XXXX Then i see my account shows Hold PENDING DEBIT/HOLD ON XX/XX/XXXX - {$880000.00} I don't know why this happensXXXX I ask customer servicecustomer service told me They need to wait 24-48 hours to know why. 
XX/XX/XXXX I contact customer service againXXXXShe transferred me to the so-called internal fraud departmentThen tell me that the phone number of this department can't be made public, only the transfer can be transferred. 
Internal fraud department asked me for account informationTell me they need to review {$18000.00} this wire transferthen, Until the end of the review, my account will be put on hold until XXXXThey will tell me the answer within this deadline. 
I ask why it takes so long? Do you need any information? I can provide. and i ask I can't wait so long, you can return this wire transfer? 
Customer service tell me all can't Bank of America seized my money unconditionallyDo n't give me any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Every time I return an item on my Amazon Prime Store Card by synchrony Bank, I am issued a gift card for the return, instead of a credit to my balance. this is done intentionally, because I am being charged such an extremely high interest rate. 
I want all returns to be credit directly to my store account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I was refer to XXXX XXXX from Guarantee Rate Mortgage for a lender. Mr . XXXX wasted three months of my time. I was not told in detail everything I needed to do to be able to receive a preapproval. I was just told I needed to improve my score by two points, I was also  told that I can receive a preapproval for a mortgage loan with a XXXX. Once I receive the XXXX, I was then told I needed two credit lines open. Mr.XXXX  never ran any numbers to try to get me a preapproval, he also would not return my email or calls. I wasted three months of time and was lied too. He is unprofessional. I feel discriminated because of my poor score he didn't take the effort to try to help as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
XXXX XXXX store card issued and serviced by TD. When trying to make a payment on line and if using wrong user name it does not say that, it only prompts to new password. Then when I try to create new password, as that is what the TD payment system directed me to, it doesn't accept my SS # thinking that my number was entered in wrong by the store. In reality the user name is not right and this continues every month when trying to make a payment. confusion causes late fee of {$28.00}. I feel this is a " gotcha '' tactic to drive revenue on late fees because this is interest free account for 36 months. 
The customer service rep said their are other payment methods on line but I could never get on line because the user number was not correct, again it would only tell me password reset and then not allow password reset which then causes me to manually call and if I'm at a location where that is not possible or it's past hours or I'm on airplane or in meetings all day then and I'm past my US mail deadline to mail the payment, then I'm charged. 
They offered a reversal of late fee bACK in XXXX, but every month I have the same issue and sometimes it gets me - thus the unneeded difficulty that causes confusion, frustration and then a late fee that no matter what you say they will only refund every 12 months. 
All of my bank accounts that I pay on line will tell me when the user code is incorrect, but not TD. I feel this is a harmful tactic to make late fee revenue in place of interest free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
This account is in my mother name. I have paid for everthing that has to do with the camper that I live in. I noticed that a payment was not paid. i sent payment on XX/XX/2019 and Ally return the payment back to my bank on XX/XX/2019. On XX/XX/2019 I call to see why they said that i owe {$1700.00}. that by my records I was only missed XXXX payment. they have it in repossession. I told them they refused a payment that means the account is paid in full.the call was recorded on my end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Credit Management Lp. Did not contact about a debit that they received from XXXX XXXX XXXX. They did not follow Fair Debt Collection Practices Act and Consumer Credit Protection Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
Starting on XX/XX/2020 company called and I answered the call. Someone claimed that I owed a debt and then asked for me to verify my identity. They provided part of my information which was correct but part of my information which was incorrect. After advising to them this sounded like a phishing attempted, they abruptly ended the call. 

XX/XX/2020 I received a letter from Affiliate Asset Solutions , LLC. The letter had part of my current address and part of my previous address. I called the number on the letter to speak with someone. While on the call, I made more than several attempts to explain that this debt is not mine but eventually the person abruptly ended the call. 

XX/XX/2020 A entertainment consulting company I used to perform for received a phone call with the following messed : " This message is intended for -- -- --. My name is XXXX XXXX, and I have been tasked with serving. You sealed and notarized paperwork within the next 24 hours. No failure to sign will be marked as a refusal in the process is going to proceed without you. If you have any questions or concerns, please contact the office for further assistance. Their direct number is XXXX. And when calling, your reference number is -- -- --. You have officially been notified. '' On the same day I received the same message on my business consulting number. Both calls were from a 'Blocked ' number. 

XX/XX/2020 the same 'Blocked ' number, it must be the same because I NEVER received blocked number calls, called but did not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In response to past claim XXXX that was closed prematurely. Your bank is XXXX  up, this is not the issue we are discussing with the CFPB. We are talking about you allowing someone to open two new accounts with my corporate identity. They used corporate names and transferred corporate funds. Now, because of the actions you did with the aforementioned account closing, we can not control any of the corporations checking actively until present. I assume this makes Mr. XXXX responsible for ALL tax records, pay rolls, and corporate responsibilities, which again he signed off on. Your actions have hindered the corporations ability to operate properly. We will take that up with the proper parties at a later date. 
Finally, once again I want to say how XXXX up your bank is. You can't address the actual ILLEGAL actions that your bank performed and just try to sweep it under the rug with that cover-up letter from the last CFPB complaint ( XXXX ). I will not allow these actions to go unnoticed by the public and others. 

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX. I AM A MORTGAGOR OF A LOAN THAT SELECT PORFOLIO SERVICING IS THE SERVICER FOR THE INVESTOR OF MY LOAN. THE LOAN IS CURRENTLY BEING SERVICED BY SELECT PORTFOLIO SERVICING ( SPS ) PROPERTY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, GA XXXX. LOAN NO : XXXX. 

I HAVE BEEN ATTEMPTING TO DO A SHORT SALE WITH THE SERVICER SPS. 
SPS IS TELLING ME THE INVESTOR ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX ) DOES NOT WANT ME TO DO A SHORT SALE. I SHOULD BE ELIGIBLE TO DO A SHORT SALE. I AM REQUESTING THAT THE INVESTOR CONSIDER DOING A SHORT SALE ON THIS LOAN/PROPERTY. THE PROPERTY IS NOT WORTH WHAT IS OWED ON THE LOAN. WE HAVE AN OFFER FOR $ XXXX WHICH IS WHAT THE PROPERTY IS WORTH ACCORDING TO COMPARABLE SALES AND THE CONDITION OF THE PROPERTY. ATTACHED IS A COPY OF THE CURRENT OFFER ON THE PROPERTY AND A HUD-1 SETTLEMENT STATEMENT SHOWING THE NET AMOUNT TO THE INVESTOR/SERVICER. PLEASE CONSIDER DOING A SHORT SALE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check for over {$30000.00} on XX/XX/2020. I was given a funds availability date which was changed. It was then change the 2nd time and a hardhold was put on my account. I was told that the funds would be fully available on XX/XX/2020. Today when contacted Bank of America to find out why the funds were not available they said that they have not yet been able to collect on the funds and that the funds would be fully available on XX/XX/2020. They could not give me a straight answer and said that if the funds become available prior to that I should still expect that there would not be available to me until XX/XX/2020. This is over a 30 day hold on a check I have deposited 4 prior checks totaling over {$100000.00} from the same issuing bank. There delays are significant. I have confirm that the issuing back has in fact paid the check. And bank of America confirmed that it was not returned. It has been over 2 weeks and nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: La Casa Bonita Investments
State: NY

Complaint narrative:
I have been with 1file.org for two years was going on three. Before coming to an agreement of consolidation, I asked did they provide the loan debt forgiveness program. I was told the positively offer loan forgiveness. I made a large first payment then {$39.00} a month. I recently received an email two months ago to not make payments to this company due to legal actions. Come to find out they wasnt certified to offer loan debt forgiveness. I made a payment {$150.00} for recertification which was due XX/XX/2019. This became an issue being that I was thinking I was moving forward with a process to clear up this debt. Now I am trying to figure out how to recover the money they took from me which could of just went towards my student loan.

Company response to consumer: Untimely response