vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
Plain Statement of Facts : On XX/XX/XXXX, complainant discovered a total of two unauthorized electronic mail ( email ) communications sent by Allied Collection Services Inc. ( hereinafter ACSI ). ACSI advances, and complainant received ACSIs initial communication on XX/XX/XXXX, and second subsequent communication on XX/XX/XXXX. The electronic mail communications advanced by ACSI qualify as communications under the Fair Debt Collection Practices Act ( hereinafter FDCPA or the Act ) because both messages either convey information regarding an alleged debt or, imply the existence of an alleged debt. ACSI admits in each of its communications that each communication is from a debt collector and that it is attempting to collect a debt. Complainant is a consumer under the FDCPA. ACSI is bound by certain duties and obligations to complainant under the FDCPA including, but not limited to, absolute compliance with the statutory notice requirements existing in 1692g ( a ) of the FDCPA. This statutory disclosure obligation is triggered by an initial communication with a consumer in connection with the collection of any debt. None of ACSIs communications contain the statutorily mandated disclosures enumerated in 1692g ( a ) of the FDCPA, which include the amount of the debt, complainants right to dispute the debt, and/or how to obtain more information about the alleged creditor. ACSIs failure to provide complainant with the statutorily mandated disclosures, within five days of its initial communication, has caused complainant to suffer an injury in fact that is concrete and particularized. Complainant has been upset, distressed, and worried about these issues with ACSI. As a result of ACSIs conduct and behavior, action or inaction, complainant has suffered mental and emotional pain and anguish, humiliation, embarrassment, confusion, XXXX, and 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 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
i used the service of a company name Remitly and requested a transfer on XX/XX/XXXX of Usd XXXX, the website said that the money will be available XX/XX/XXXX. On XX/XX/XXXX i called because the website changed from available to IN PROGRESS, I was told that the bank is trying to contact the person but no answer. This is not correct, nobody has trying to call the person or contact. 

they said that they will try but not gurantee. At this point i said if they can't process the transfer i want my money back and they said that i need to do a refund process and it can take day or weeks. This is not acceptable since they use my money and have stayed with the money for more than a week. 

I have used their services in the past and always is something. The previous times the person received less money i sent an email but they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In the early XX/XX/XXXXs I had a checking account with Wells Fargo Bank. That account was closed in XX/XX/XXXX or earlier. From XX/XX/XXXX to XX/XX/XXXX I had no business relationship with Wells Fargo Bank.

In XX/XX/XXXX I refinanced my mortgage and the refinanced mortgage was sold to Wells Fargo. When attempting to retrieve tax forms online in early XX/XX/XXXX I was unable to verify my phone number. Upon deeper inspection I found my account 's permanent address and phone number listed was that of my college apartment that I moved out of in XX/XX/XXXX. It was not the address and phone number associated with my newly refinanced mortgage. I attempted to call Wells Fargo to address this and was told that there is a verbal password on my account. I never set a verbal password on my mortgage account. 

I spent numerous hours on the phone with Wells Fargo fighting about this password. I do not remember was this password is but my only guess is that it is related to the checking account that was closed 15 years ago. After being hung up on numerous times for not knowing this password I eventually reached XXXX XXXX at the executive office ( XXXX ). XXXX stated that I need to complete a notarized " Customer Level Password Removal Request '' form to get the password removed. This is because there are no Wells Fargo branches in the State of Michigan or within hundreds of miles from my location. 

Per XXXX XXXX 's direction I found a local notary public, completed the password removal form, and sent it back to Wells Fargo. A month later I get a letter back from Wells Fargo stating that they can not remove the password on my account because there is no password. When I attempt to call Wells Fargo back on this they continue to state that there is a password on my account and refuse to help me because they can't validate my account. They tell me the only options to fix this are to visit a Wells Fargo branch ( none exist ) or complete the password removal request form which I previously did and was rejected. 

I am unfortunately placed in a position where I am unable to fully manage my mortgage account and fearful that if I do experience any other issues with my account I will be unable to address them because Wells Fargo refuses to assist me or remove the password from my account. 

Upon request I can provide the mortgage account number and a case ID number from 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 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
In XX/XX/XXXX I was given a Perkins Loan for {$3000.00} which I paid {$1400.00} of while it was deferred during my doctoral program. The loan balance was transferred from Campus Partners ( whom I had paid previously ) to the Department of Education ECSI Federal Perkins Loan Servicer in XX/XX/XXXX ( according to a phone call I had with an ECSI employee on XX/XX/XXXX ). I attempted to track down information for repayment around the time of my graduation ( XX/XX/XXXX ) and saw Dep of ED/ECSI Federal Perkins Loan Servicer '' listed as the servicer, but I was unable to find any account or repayment information and the website link on the studentaid.gov site went to an invalid website ( see attachments ). I thus waited for someone to contact me about this but was never contacted by my former school, Campus Partners, ECSI, DOE Default Resolution Group nor the collections agency assisting them, regarding methods for repayment. I have since learned that ECSI and the subsequent servicer ( Department of Education Default Resolution Group ) had an address on file in a state in which I have never lived ( Maine ) and no email address. In XX/XX/XXXX I had my credit checked while attempting to purchase a home and was notified of a defaulted loan and given the contact information for ECSI to resolve the problem. I learned that my loan was now being managed by a collections agency ( XXXX  XXXX XXXX ) and the Department of Education Default Resolution Group. I paid it off immediately and my account was closed in XX/XX/XXXX ( see attached letter from DOE ). According to a phone call with ECSI on XX/XX/XXXX, my first payment was due to ECSI on XX/XX/XXXX, and they confirmed an incorrect address in Maine. They also stated that they made the report to the credit bureaus regarding my defaulted loan, which has lowered my credit score by 100 points  and significantly impaired my ability to buy a home. I would like the Department of Education/ECSI and/or the Default Resolutions Group to remove this XX/XX/XXXX and XX/XX/XXXX marks from my credit report ASAP, as I made every effort to fulfill the terms of my loan and repay in a timely fashion, but was unable to identify the servicer until my loan was already in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a citi bank account package on XX/XX/XXXX and there was a promotional offer for this account package, which is depositing at least {$15000.00} and keeping them in the checking account for at least 60 days and I will receive {$400.00} as a bonus. I have met this deposit requirement on XX/XX/XXXX but I still haven't received the {$400.00} bonus.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have had a paypal account for several years. I have a paypal cash card and am able to receive direct deposit should I choose to do so. I recently moved and have been using XXXX XXXX and XXXX XXXX   frequently for food delivery ( because I'm XXXX  on XXXX ). The use of these two companies has created a problem because I had to frequently dispute charges due to canceled orders ( by the company ) not being refunded to my card. On XX/XX/XXXX I received a message from Paypal telling me my disputes are putting me in danger of account closure. On XX/XX/XXXX I was forced to file another dispute with paypal because I was charged incorrectly by XXXX  on my paypal card. I even provided Paypal a LETTER from the MERCHANT admitting their mistake and encouraging me to dispute the discrepancy ( which I did ). This resulted in paypal closing my account without processing me dispute causing me to loose money. They stated that the remaining balance in my account would be refunded in SIX MONTHS which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I used the Transferwise system to send {$4500.00} in USD from my bank ( XXXX XXXX  ) in the USA to a bank in XXXX XXXX to pay for an item. 

I made an electronic transfer from my bank to the Transferwise XXXX XXXX XXXX   account on XX/XX/XXXX. On XX/XX/XXXX my bank told me it could take 4 business days for the funds to transfer. I made an identical transfer with XXXX 3 weeks ago that was processed correctly. 

On XX/XX/XXXX a Transferwise employee informed me that their bank rejected the funds for no apparent reason and that I would have the funds returned to my bank by XX/XX/XXXX. I do not have the funds in my bank as of today. 

Transferwise customer service has no idea where the funds are and suggested contacting my bank to trace them. Since it is Transferwises bank that has rejected my funds my bank can't trace them.

This has severly damaged a business relationship and Transferwise has been shown to be incompetent if not fraudulent in their processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was transferred to New Rez/Shellpoint in XX/XX/XXXX ( closed on XXXX XX/XX/XXXX ). I called New Rez in XX/XX/XXXX to find out what I needed to submit to have the residence homestead and XXXX veteran exemptions applied to my mortgage payment. I was told to get a tax estimate ( usually around XX/XX/XXXX ) and send it in to update account. I did this. Every month I've called asking about my exemptions and every time I got a different answer. I resent the required documents in XX/XX/XXXX and called to follow up, again I got a different answer. Every time I requested to speak with a supervisor, I was told none were available and that they'd call me back. I called again in XX/XX/XXXX, and was told that my escrow would be analyzed according to my state guidelines. I called again in XX/XX/XXXX and was told the escrow would be analyzed in XX/XX/XXXX. I was also told it would take 3-5 business days and I would be contacted. I called on XX/XX/XXXX and nothing has been done, and the representative told me it would be another 30+ days. I again asked to speak with a supervisor and none were available. 

The exemptions I've submitted paperwork for is the residence homestead - approved for {$5000.00} and the XXXX veteran property tax 50 % -69 % - {$10000.00}. 

I feel that every time I all New Rez, the representatives are not knowledgeable of the policies and tell the customer anything to get them off the phone. To date, no supervisors have called back to discuss issues I've been having with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
During the month of XX/XX/XXXX I have tried using the co-branded XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware ( Barclays ) to make a by phone ticket purchase with XXXX XXXX and at various point of sale locations in Delaware. The card is proving to be useless. 
It took almost 45 minutes for the ticket purchase to be finalized because I was told there was an address discrepancy issue. There should not have been a discrepancy as my address has not changed in over 5 years - and the address on file with both XXXX XXXX and Barclays has been kept up to date. 
Notwithstanding that issue, I have had to spend nearly two hours on the phone with call center staff who simply can not grasp the significance of the issue I have encountered at at least 4 point of sale locations where my card - equipped with an EMV chip - has been declined. The card has also been declined when I tried to swipe it instead of dipping it. 
I have been told by the ill-informed call center representatives that I must use the Chip and PIN combination with this card at point-of-sale terminals. Well, that is impossible to do when the terminals don't prompt the consumer to enter the PIN. Is this a credit card or isn't it? 
Then, when I try to swipe the card. it's declined. This is embarrassing and a waste of time. I also think I am paying an annual fee for a card that appears to be useless other than allowing me better boarding position on XXXX flights and 1 free bag. However, since I don't use my American reward miles to purchase tickets, but only as partial payment for first class upgrades, the card offers no benefit for boarding or luggage allowances.

Barclays needs to better inform its call center representatives and its cardholders about the limitations of using this card in the U.S. where finding chip and PIN enabled terminals is rare.

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 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX 2 payments were deducted from my bank of America checking account for my auto insurance with XXXX from my BOA checking account ending in XXXX, one for {$320.00} and one for {$310.00}. Only one payment was to be made to pay that months invoice but it is not known how 2 separated payments were made. I did set up one payment on XXXX 's for {$320.00} but the 2nd payment for {$310.00} posted first to the account and paid the auto insurance for that month. XXXX 's could not verify for me if the additional payment was accidentally a technical issue or put through by my insurance agent in error which also occurred in XXXX but has been corrected. I disputed the extra payment of {$320.00} through the bank and it was credited to my account on XX/XX/XXXX, however, Bank of America sent me a notice stating that it plans to reverse the credit of {$320.00} and charge my checking account {$320.00} on XX/XX/2020. Bank of America should not debit my account because as of today, I am now overpaid on my auto insurance and if they debit my account {$320.00} on XX/XX/XXXX, it will directly affect my billing and put me 2 months ahead which I do not want. I have attached documentation to prove my claim.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Re : Bank of America, EDD I am a BOA customer. I was recently laid off from my job and was awarded XXXX XXXX. I received a BOA EDD card, but there are no BOAs in Montana where I live. I am trying to get the fund transferred into my personal BOA acct. I can not get a live operator on the phone to help me. 

After listening to balance a dozen times, and every other irrelevant option in their endless automated message, we are finally given an option to speak with a representative, but when I have chosen it, I get a busy signal, or 'we can not answer your call at this time. '' This is awful. I need funds. A prepaid card does not help me. I need the money in MY ACCT to pay my mortgage with. 

There is no excuse for BOAs absentee customer service. Please help. Or I will move my accts somewhere else.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have made several attempts to correct inaccurate information with Equifax to remove collections that have been requested by the collection company XXXX for two collections on my credit report. The collection agency XXXX has verified by letter to me and Equifax that the collections for XXXX and {$110.00} are inaccurate and they have requested that the collections be removed on XX/XX/2020 as of XX/XX/2020 the Equifax still has the inaccurate reporting of collections. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDITOR ACCT SEE ATTACHED LETTER CREDENCE SEE ATTACHED LETTER SUPERVISOR XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND TO WHOM IT MAY CONCERN 1.  XXXX XXXX XXXX NEVER INSTALLED XXXX 2. NO XXXX XXXX XXXX EMPLOYEE OR SUB AGENT NEVER CAME TO MY PROPERTY TO INSTALL ANY XXXX XXXX XXXX TECHNOLOGY I CHALLENGE XXXX XXXX XXXX TO SHOW PROOF THAT XXXX XXXX XXXX OR SUB AGENT REPRESENTING XXXX XXXX XXXX EVER CAME TO MY PROPERTY AND INSTALLED THE XXXX TECHNOLOGY. AS THIS DID NOT HAPPEN THIS IS A FRAUDALENT BILLING AND DEBT COLLECTION THESE ARE FACT BASED STATEMENTS, HOW COULD THERE POSSIBLY BE A DEBT FOR ANY AMOUNT MUCH LESS {$600.00} WHEN NO PARTY REPRESENTING XXXX XXXX XXXX INSTALLED ANY SERVICE FOR XXXX XXXX XXXX TO BILL ME ANY AMOUNT OF MONEY? 

I AM REQUIRING XXXX XXXX XXXX & CREDENCE TO IMMEDIATELY RESPOND AND CLEAR THIS MATTER UP AND PROVIDE ME IN WRITING THIS IS A XXXX BALANCE. 
THERE IS NO OTHER OPTION TO RESOLVE XXXX XXXX XXXX BILLING ERROR, ONCE AGAIN BY XXXX XXXX XXXX - TYPICAL XXXX XXXX XXXX IF XXXX XXXX XXXX OR CREDENCE FILES AN ERRONEOUS DEBT ON MY CREDIT I FILE, I WILL PURSUE THIS LEGALLY. 

I FULLY EXPECT AN IMMEDIATE RESPONSE IN WRITING CLEARING ME OF THIS HORRIBLE ERROR BY XXXX XXXX XXXX UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/XXXX I call Citi Bank to close the account. I was instructed that it would take many weeks for a check with my money to come so it might be best to externally transfer the money to another bank so it is quicker. I agree. XX/XX/XXXX I processed a XXXX dollar external transfer to my XXXX XXXX. The following business day I try to take the rest of my money from Citi bank which is just over 5000 dollars by process another external transfer. I recieve an error message that I have reached the daily limit. This should not be the case since it is a new business day. I try again on Tuesday XX/XX/XXXX after the XXXX XXXX and still recieve the same message. I call Citi Bank and per usual are unable to help me. Despite my first external transfer being labelled as in process, the representative on the phone states that it is not in fact in process but has not gone through on their end. That is an unacceptab le discrpency. I have had previous issues with Citi Bank and so I reached out to XXXX XXXX from the executive branch who was very helpful with my last concerns. I have called twice now, once on Friday XX/XX/XXXX and once again today XX/XX/XXXX. Both times she was unavailable and I left a message. A Citi inquiry was initiated on Friday XX/XX/XXXX but with a resolution by XX/XX/XXXX. This timeline is unaccetable to me because my money has been held in Citi Bank for too long and each time I attempt to do anything with Citi Bank there is a error message or mistake on their end. A simple external transfer they can not process correctly or even tell me that there is an issue on their end. I am filing this complaint because if my prior working with Citi they would have me transferred all over on the phone and never resolve my issue. I am not waiting weeks and month this time for me to realize something is wrong and to then reach out. Something is wrong now and I want a resolution right now. I want my money out of Citi Bank immediately and into my hand or bank account ASAP and then to close Citi Bank and never deal with this bank again.

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