vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: AL

Complaint narrative:
I paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: AL

Complaint narrative:
I paid off XXXX XXXX XXXX XXXX or XXXX on XXXX ( XXXX or XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact XXXX, XXXX and Experian and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested XXXX to remove 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX/XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Every time I call XXXX XXXX XXXX for a current account, they always ask me how I want to take care of paying 2 old, time-barred accounts, for which I have notified them and demanded that they cease and desist trying to collect on time-barred debt. I have advised them that they are in violation of Federal Law when they try to collect on those accounts, but they keep asking me how I 'm going to pay for the accounts. They also sent me letters for the debt from Servicing companies who were trying to collect on the debt that was first delinquent in approximately XX/XX/2005.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
not sure where to start. My husband had a XXXX XX/XX/XXXX.Our mortgage company XXXX XXXX XXXX took over a year to help us with a modification. After 14 months of taking the permanent modification payments they told us we did n't meet the guideline. no explanation. The mortgage was sold to Fay Servicing. Again no help. I received a foreclosure letter dated X/XX/2017 when i called Fay Servicing thy told me they did not have this information and to fill out yet another modification package, which did and they showed up at the house with a cash for keys agreement & release. The house was foreclosed and sold. My children live there and now apparently have to move but we have n't heard when.There is plenty more that happened but I am at a loss onwhere to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I applied for an auto loan with Wells Fargo. Knowing how bad their reputation has been in the past for lying to consumers and giving false information, I decided to give them a try anyway. Yesterday, XXXX XXXX, I received a letter with the date XXXX/XXXX/XXXX that CLEARLY states that I was APPROVED in BOLD CAPITAL LETTERS and my loan was still open. It also states Wells Fargo would be happy to service my needs when I decided to move forward with the process. I called in, the first rep XXXX, extremely rude, advised that although he saw my application, it was still " under review ". I asked why did I receive a letter, in which he replied, oh, it must 've been a mistake ... .with my name and address that just so happened to come right when I applied. Ok. The next day, I called to speak with another rep, who then informed me I was declined. I advised him of my letter that clearly states I was approved, and he replied it was a marketing tactic. So Wells Fargo is yet again LYING to gain clientele, having people run their credit multiple times, calling in several times, sending out FALSE AND PREDATORY information yet again. Wow. Have n't you guys learned your lesson yet?

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 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained

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 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I continue to seek an equitable solution from my lender, BNY Mellon to resume making mortgage payments. The  California Homeowner Bill of Rights states that a homeowner has the right to know who their lender is, and be able to make contact. The recorded message at XXXX XXXX XXXX states : " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all declsions concerning the terms of your loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have no done so already. If you are in contact with your servicer, please continue to seek guidance from them ... '' The servicer of my loan, XXXXXXXX XXXX XXXXXXXX, continues to say that BNY Mellon makes all the decisions. In XXXX 's literature under the title of " Need Mortgage Help, '' it states, " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. forbearance, 4. loan modification, among other  options. A recent conversation I had with them revealed that they do not offer any of these options except for a modification or short sale. The modification available reduces the payments by a few XXXX dollars. 
Given this, I retained the services of XXXX XXXX, partner at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... .the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX XXXX XXXX XXXX Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The BNY has never responded to XXXX XXXX or to me. XXXX did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modification thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. CFPB does not determine payment programs.

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 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My debit card and all my banking information along with pin # were stolen from my office desk by day labor that was hired to pack up my my office to move. On XXXX-XXXX-2017. 1 ) Personnel account. on XXXX there was a {$500.00} atm withdrawl and onXX/XX/XXXX they tried using the atm card a number of retail stores, the bank stopped allowing any more charges. They then deposited a fraudulent check for {$2300.00} at an atm on XXXX the {$2300.00} check posted and the bank reversed out the {$2300.00}. chk. because it was a 3rd party chk and had a fraudulent signature on the back. After investigating XXXX XXXX approved the {$500.00} withdrawal and put the money back into my acct. My acct. was closed on XXXX I was told they would send me a chk. for the bal. in my acct. After not receiving a check. I call and was told my funds are now frozen in a Recovery account and could take up to 3 more months to investigate? It has been almost 2 months and know. I keep getting the run around and was told I needed to address the problem with my branch. I called the bank manager and she told me it was out of her hands. no one will give me a timeline or reason why they wo n't return my funds after the account has been closed. other than they were checking to see If any outstanding charges that had to be recovered. The bank manager told me she has seen it take anywhere from 3 months to a year? This is timeline is Unacceptable it does not take that long to figure out a simple bank 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 monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
The xompany in question XXXX XXXX XXXX XXXX locaye in XXXX Colorado has violated the laws repeatedly. This office in XX/XX/XXXXand XX/XX/XXXX filed a suit against me for a debt that i do not owe them. I had health issue that are not for this company to know i was not able to go to court. 
More surprisingly this comoany never validated this debt, This company has never submitted a contract bearing my name and the company listed above that says i agree to pay them a debt. 

XXXX XXXX must validate a debt before any collection activities should conitnue. 

I challenged this company to prove that i owe rheri company the debt in question and they havent. 

Furthermore this company has ruin my good credit rating they have caused me to close one of my bank account In XXXX XXXX XXXX, theu have taken money out of my XXXX XXXX XXXX XXXX  account, this is nothing but a form of fraud, they have caused me embarassment, continued stress and have shown willful intent to destroy my credit rating. 

This company preys on consumers not knowing the law, but i am XXXX and bu federal law this company violated my rights my going into my accounts, this fraud and i take this very serious. 

This company isnt owed nothing from me, they have damaged my credit score, still not providing a signed contract between the above comany and myself. This co.pany listed above has violated the laws of the FCRA, FCPA, and this is unacceptable as a usa citizen. 
I

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received a credit card offer from CapitalOne for the XXXX card. While there was no reference to " prescreen '' or " prequalification '' the mailing states that the " card is for people with excellent credit '' and provides a website " XXXX '' where I can apply with a seemingly indiviualized reservation number and access code. There was no opt-out notice included in the mailing. Additionally, when I called the number, I pressed the option to opt-out of future communication and the line died after several seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES

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 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.

Company response to consumer: Closed with explanation