vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NORTHWEST BANCSHARES INC
State: IN

Complaint narrative:
We went through the online process to open the free checking account online. It clearly stated there was no fee based on certain selections. One of those selections was estatements, but if you elected for paper statements there would be a fee. I believed I went through everything online to set up the account and elect for online statements so that there was no fee. When we get our first statement, it comes through the mail and we see a statement fee on that statement. We call a rep, don't get anywhere, request a manager, don't get anywhere, go to the local branch, and still don't get anywhere. They were very matter of fact and nonchalant and didn't seem to care they had a disgruntled customer or was losing business. They did advise that there was no way possible to sign up for estatements when signing up for the account and that it was going to automatically send us a paper statement until I logged back into the account and elected for estatements at that time unbeknownst to me. I also couldn't log back in immediately as there were several days before the online account was available to be accessed. So it seems they had some deceptive practices trying to trick a customer in getting paper statements instead of intuitively being easy to sign up for when signing up for the 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 2020-09-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

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 2020-09-09 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
This reporting agency is reporting on my credit. I have no idea who this is and never had XXXX. I contacted them directly and they would not help identify how or what this bill was. 
I requested proof regarding this account and she denied me. XX/XX/2020 when called. She then hung up on me and said good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
on XX/XX/XXXX at approximately XXXX XXXX I received a call from a company that would not identify itself. The person informed me the call was being recorded and asked me to confirm myself and address. I asked them to identify themselves and they refused. They again asked me to confirm an address and I informed them I do not confirm information without knowing who was requesting the information. They terminated the call without responding. They called from XXXX At XXXX XXXX also on XX/XX/XXXX I received a second call from XXXX. After answering I was met with silence and I decided to wait for a response. There was no response for 9 minutes and I hung up the phone. 
A ) I find this to be a rude, deceptive and unfair act B ) Under the CARES ACT of XXXX ; On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections,and waive interest on ED-held student loans until XX/XX/XXXX. This collection attempt is a violation of the federal Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/2013 I received a modification on my mortgage through XXXX XXXX XXXX. The fixed interest rate was to be 4.25 % for the life of a 40 year loan. My loan was sold to XXXX XXXX who sold it to XXXX, who has gone bankrupt. From there Loancare purchased it. I noticed my interest rate was now at 4.625 % and called them. They said that was the rate when they acquired it. What can I do? I'm having trouble with keeping up as my job I have now, due to covid-19, doesn't pay as well.

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 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: NV

Complaint narrative:
On Friday XX/XX/2020 I called Asset Care to dispute a debt because it appears as though there was a mistake made by the original creditor and it is currently being collected on by two different collection companies. The second collection company advised that I dispute both accounts so that both of the companies and I are able to get all of the information regarding the services so that I can get everything straightened out. On Tuesday XX/XX/2020 at XXXX XXXX Pacific Time, XXXX from Asset Care called me, early in the call I advised her that my account should be in dispute due to the situation. She advised me that the account had been disputed but she wanted to check on it. She then advised me that the account is due to start showing on my credit so it is her goal to get it taken care of. This is unfair to me for two reasons, 1. I don't know which company has the correct account and 2. I should not be receiving phone calls to collect on a debt that is dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CO

Complaint narrative:
XXXX XXXX apartment complex sent me to collections for move out charges. They explained to me that I did not pay a deposit so they couldn't offset the charges incurred at move out. I sent them the part of the contract that we entered into showing that I paid a {$270.00} deposit. Further, they charged me for various things such as a broken microwave and pet carpet cleaning fees. I asked them for proof and supporting documentation for all of the charges several times to no avail. The microwave was not broken and the carpet was clean when I left, however, upon move out I was denied a final walk through and was told to leave my keys in the apartment due to coronavirus. Anything could have happened to the apartment from the time I left the keys in the unlocked apartment ( as instructed by XXXX XXXX employees ) to the time they procured the keys. I never received notification that the keys were in their possession.

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 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an account with Wellsfargo credit Last year in XXXX Or XXXX. I have an amazing credit history. I used that card specifically for my expenses in XXXX and to travel to XXXX. 
There is 2 issues here : 1. I have opened their Wellsfargo app and I DID setup the Automatic Payment after 2 - 3 weeks of receiving the card and the Wells Fargo app confirmed that it was set up correctly. 
2. I NEVER received an EMAIL or a MAIL that my bill is due. Note : The min i opened an investigation with them they started to send me MAIL but that was the only when I complained and reached out to their department. 

I setup an Automatic payment for the minimum amount due which was XXXX $ - XXXX $ how can someone who makes XXXX plus a year miss such an amount? 

This was on XX/XX/2019. I have screenshots from my credit showing that the payment was scheduled but it was never taken. 

I have tried to dispute using all credit Bureau but nothing was updated from the past 6 months NOTE : They May say that my address was changed and the letter was sent to the previous address. That is a LIE, the previous address is still my address as well and my parents and lease is under my name. No letters were received till I opened the investigation with them. 

After this complaint I will pursue a Legal lawsuit against them if they do not remove it.

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 2020-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
1. On XX/XX/XXXX, I borrowed {$420.00} from Money Key. On XX/XX/XXXX Money Key Sold account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to XXXX XXXX XXXX XXXXXXXX ( amount unknown ) 3.  XXXX XXXX reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay XXXX of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The  attached documents show I paid a total of {$580.00} to Money Key. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
Money order was purchased XX/XX/XXXX in XXXX, NY for {$1000.00} I totally forgot about the money order, and I tried to use it XX/XX/XXXX to pay my XXXX XXXX XXXX XXXX The money order was returned to XXXX XXXX XXXX - I didn't realize that the money order loses value after 3 years and that's why it was returned. However, since XXXX XXXX XXXX is such a big company with a huge AR department, they can't find the returned check. 

I've been dealing with Moneygram with 2 years and they are playing games with me till this day. They are able to pull up the money order and see that the money order was never cashed, but still request the original money order. 

Essentially, Moneygram is holding onto my money that is not rightfully theirs, but mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
The loan officer XXXX XXXX ( NMLS # XXXX ) with PennyMac Loan Services , LLC is not responding to my emails, phone calls for the past 10 days. I have provided all the documents he requested but now I have no idea what is happening with my refinance application. This I think is very irresponsible that you ask a customer to bend over backwards and provide all that is needed and you just disappear! As a consumer I feel violated as I did my part and this guy has no courtesy to even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: VW Credit
State: CA

Complaint narrative:
Hi there. 
Im not sure if I followed the right steps, but this is the problem that Im having. In XX/XX/XXXX I was involved in a accident with my motorcycle that was bought with a loan trough Volkswagen Credit inc. I was hospitalized but I always been in contact with VW credit to understand better what was the right thing to do. I payed my monthly fee  on XX/XX/XXXX and kept a line of communication with constant phone calls. All of the sudden on XX/XX/XXXX, right after I make my monthly payment, Ive received a letter that was stating notice of our plan to sell the property. I did contact them via phone to figure what exactly was going to happen. An associate of VW credit had reinsured me at the the time and told me to wait until the motorcycle was sold at the auction. The motorcycle was eventually sold and the new numbers where available ( what I howe at the time plus the tow company expenses minus the amount due the motorcycle being sold at the action ) I contacted VW credit to discuss the situation. Tone where different since the beginning ( even the way that normally the number was working before this happened an automated voice system was answering, now a real operator was answering my calls ) and I was asked to pay in full or to contact XXXX XXXX a company that handle those situations for us. I couldnt pay the amount in full so I contacted XXXX XXXX to discuss my options. When I contacted them they didnt have my info in file, they say was a mistake and to check again. So after few calls and days my file popped at XXXX XXXX. I spoke with an operator and found a solution that was beneficial for both parties. For the next year or so I didnt really need my credit score number for any particular reason until last month where I figure that my score was lower  than 600 when I was remembering having over 780. I asked for a credit report and discovered that VW credit had kept file me negatively since XX/XX/XXXX with 4 REPOSSESSIONS in 2 different time ( XXXX/XX/XX/XXXX and XXXX/XX/XX/XXXX ) I didnt even know that they were still involved and I tried to understand with them what they were expecting me to do exactly, I never missed a payment and I was always there for find a solution that could have benefit both parties. Now my credit score is as low as ever I had XXXX agent suggesting me to dispute this, but she was saying that trough them I cant have the cancellation of this record and that will stick on me for 7 years! 
I think there is some macro mistakes here ( the 4 times Repossession of a crashed/ sold motorcycle is one of them ) Im originally from XXXX and I might not be the most knowledgeable person about this matter, what I know is that I never refuse to pay ( unless asked to pay in full ) I never been late with the payments and that I kept a line of communication the all time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Two months ago, I paid off an installment loan as well as several credit cards. Both XXXX  and XXXX  increased my points by over 70 while Equifax deducted a lot of points. I have tried several times calling to speak with an Equifax representative, but have not been able to speak with a human. There is no reason why they should deduct points from my credit file, and I would like someone to investigate this matter to determine their competency level in regards to accurate credit reporting, and scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
CitiBank keeps sending ACH to bank multiple times, after bill is paid, resulting in multiple overdraft fees.

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 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank, I was told there had been two transactions made by the previous account holder one for {$2400.00} and another for {$1100.00} transferring all funds that were in my account to an account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account holder still on the account although they found the documentation. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I received a letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. This person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing to file a police report if needed. The bank has admitted fault more than once but yet I am still fighting to get my money back based on bank error. I received a call on Tuesday from an advocate who stated he was handling my account and I would receive a call or email the next day to verify the totals of the amounts to be refunded into my account. It has been several days 2 months after the initial occurrence and I have not received an email or a telephone call. I have left messages on his extension and no one is calling me back. Can you imagine if someone took over {$3500.00} from you or your family how you would feel if no action was being taken on resolving the matter. 

USAA has previously responded that they will respond within 30 days. My complaint with this forum was initially filed on XX/XX/2020 it is not XX/XX/2020 an still no resolution. I have been attempting to get my money refunded to my account since XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date, XXXX is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information. 

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have 2 loans with PNC. One is a very old line of credit over $ XXXX. I have called, sent messages from their online portal from account, but no response. 

PNC is consistenly misposting my payments. An example is I pay {$1000.00} / mo but my monthly payment is XXXX {$700.00}. They are instructured to apply any additional funds included with my monthly to be applied to the loan ( s ) principle but they are not consistently do it. They are posting some as principles but just as many toward interest. 

I've been dealing with them for years. I rarely have time to dig in to the details but then when I do and try to resolve it ... I get no response. 

Can you please?

Company response to consumer: Closed with explanation