vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase for {$25.00} in XX/XX/XXXX. Due to an oversight regarding the payment due date, I contacted the company in XX/XX/XXXX to make good on the payment. I paid the {$25.00} original purchase and by that time two late fees ( for a total of {$50.00} ) had been charged to the account, totaling more than the original purchase. I asked the company to please waive the fee 's given that it was an oversight, that it was only one {$25.00} purchase, which I would pay in full, that was causing the late fees. I made the {$25.00} payment and they waived one late fee, but refused to waive the 2nd one. Thus, at this point, they have been accumulating late fee 's for a late fee they refused to waive. According to a customer service representative, their policy allows them to waive 2 late fees within a 12-month period. I had not had any other late fees having not used that card in more than several months if not a year and having paid any prior purchases in full and in a timely manner. I am simply asking the company to, at this point, waive all outstanding amounts - which total {$140.00}, since they are all related to that initial {$25.00} late fee, which they have refused to waive. Therefore, the outstanding amount is as a result of the company 's fees and not any outstanding purchase amounts. The one purchase for {$25.00} was paid within 2 months in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect Incorporated XXXX. XXXX XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XX/XX/XXXX / /XXXX , XXXX , XXXX , asking procollect to produce documents XX/XX/XXXX / /XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX //XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX /XXXX, XXXX, XXXX  , asking procollect to produce documents E-mails and phone calls made to  procollect from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave Procollect two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC
State: GA

Complaint narrative:
Reached out to the company seeking a resolution. After my request, client sent documentation claiming that I owe a total of {$1100.00}. The break down sent is clearly a misrepresentation considering my move out date was XX/XX/XXXX and my lease ended XX/XX/XXXX. As you will see that a New security deposit, 1 month rent, prorated base rent, eviction fees late charges and Base rent totaled {$1400.00}. I received a credit of {$300.00} which gives me the new total of {$1100.00}. Company is unable to provide why a new security deposit and charge were calculated. Not to mention the {$450.00} in rent due, including the late charges of {$75.00} and Eviction Fees of {$99.00}. None of these fees should have never been included as I was on a month to month lease and the funds were potentially stolen by an employee that is no longer with the company.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: MA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Spoke with creditor back in XX/XX/XXXX and XX/XX/XXXX in  regards to removing the fraudulent hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Creditor stated that they would remove all inquiries and till date it still shows up on all three creditor report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am no able till now to access my account with Wells Fargo Bank. I need to access my account because this is account receive my Social Security XXXX fund. This Wells Fargo Bank need to contact me directly on how to access my account right now by using my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My mortgage lender Wells Fargo is denying me access to government programs that I qualify for and as a result I am facing a foreclosure sale date. I went through a temporary hardship and am financially sound again. I have tried for months to get Wells Fargo to work with me on my USDA loan and to consider me for a modification, forbearance or even a repayment plan but I can't get any traction. They are constantly changing account managers, losing my paperwork and not even taking notes of my multiple interactions with them. Instead of working to help me their collections department is hammering me with calls demanding I pay up all day and night at all hours. I became so frustrated that I asked for a reinstatement amount so I could try and wipe this out but they could not even provide this for me. I believe their obstruction has been intentional. My USDA loan is backed by a government agency and there are multiple programs available to help people in my situation. Why is Wells Fargo treating me this way? 

I worked hard to buy my home. I have been a XXXX for 17 years ( I XXXX XXXX, XXXX   and XXXX ). In 2016 I was involved in a custody battle for my daughter which took considerable financial resources from me. At the same time I switched jobs and this led to a lower salary. In the past I had supplemented my income by working as a XXXX and receiving a stipend, but due to my son 's XXXX I was unable to continue doing this. All of these events coincided into a perfect storm and led me to default a little over a year ago. I immediately began trying to contact the bank agents to work something out and was assigned an account manager. I submitted all of my paperwork, but when I tried to follow up the account manager had changed. This happened on several occasions -- no one knew what was going on with my application, I would call a couple of days after having spoken to someone and there would be no notes regarding the previous conversation. It was completely unorganized and I was not able to make any progress. 

I don't know what else to do, I have submitted my paperwork several times and when I try to follow up I have a new account manager who says they don't have my paperwork and tries to make me start over. Out of frustration I have requested a reinstatement amount so that I can try and end this nightmare but I am not even able to get this information out of Wells Fargo. Instead I have been pushed into an avoidable foreclosure as they scheduled a sale date earlier this month. 

My hardship was temporary, I am in a better place financially and have more financial resources. I deserve the chance to be considered for these programs and want to save my home. Please look into the way that Wells Fargo has handled the servicing of my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them. 

Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place. 

I have contacted XXXX XXXX XXXX about them calling my work number too. 
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX , XXXX. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Constant phone calls to a personal cell line as well as to my work line, at a government building. On average, I have received 5 to 6 calls per day, per phone number. Today alone, XX/XX/XXXX they have called at XXXX, XXXX, XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclay 's Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery from XXXX, XXXX, XXXX, XXXX. 
Have relieved 4 calls today on XX/XX/2018 alone to work #. It states XXXX XXXX and until yesterday, it had my full name on it. My company can not block them as they spam call from all different # 's. I have been called without picking up 13 times in just the last 8 days. They call from all sorts of spam # 's. I do not ant to answer the call as # 1. I am at work and work on the phone all day. # 2-the debt is past it's statue of limitations and if I answer I will restart the statute from what I understand. I am going to lose my job if IT gets too many more of these calls and it is not worth them harassing me like they have previously telling me to make lunches and sell them to pay my debt to answer to tell them not to call me at work because like I said then I am validating the debt! I don't know what to do. They also robocall my cell # and I have recordings as I started using XXXX to block them on my cell phone as that is illegal but they do it anyways. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2018 my wife tried to verify information for a credit card application with USBank. During the phone call the USBank rep decided to decline the application because my wife and I had opened 3 other accounts over the past 2-3 months.

About 2 hours after the above conversation took place, we tried to use our USBank credit cards and found them to be invalid. USBank not only declined the application, they also closed the accounts of the three other cards.

In phone calls made today I find they now classify us as " a risk to the bank. '' If opening three cards with this bank makes us a risk to the bank, Why did they let us open 3 cards?

In closing the accounts, they have closed our access to bonus points we earned for air travel. I want access to the points and I want my annual fees refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Continental Finance Company, LLC
State: CO

Complaint narrative:
Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay  the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
Originally submitted loss mitigation application on XX/XX/XXXX. Was informed that paperwork was incomplete ( stated that the pay stub submitted for XX/XX/XXXX had been cut off and was not showing all of the deduction information ). Re-submitted XX/XX/XXXX paystub and XX/XX/XXXX paystub on XX/XX/XXXX. Also informed customer service that I was a XXXX and was paid only once a month. At that point, I was informed to re-submit the application, noting that I was a XXXX  on an 11 month contract. I re-submitted the application on XX/XX/XXXX and included XX/XX/XXXX pay stub in addition to XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the company for an update and was told that i needed to provide the correct tax form. I submitted the tax form on XX/XX/XXXX. I contacted the company for an update and was told once again that my pay stub was missing information. I informed the company that my pay stub was complete and that I explained to the customer service rep how to read my pay stub and where to find the info that was needed. The rep made a note in my file for the underwriter. The rep also informed me that I needed to submit a new paystub for the month. On XX/XX/XXXX, I submitted my pay stub for XX/XX/XXXX. I called a week later for an update and was informed that the pay stub was incomplete. I explained once again how to read my pay stub and was told that a note would be put in my file. On XX/XX/XXXX, I received a letter informing me of my denial with the reason being incomplete package. I called the company on XX/XX/XXXX and was told that the denial was due to my pay stub being incomplete. Once again ( for the third time ) I explained how to read my pay stub and informed the rep that I am only paid once a month. The rep put me on hold and came back to the phone to inform me that there was nothing she could do and that I would have to submit a new application and start the process over. A new application was emailed to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX has violated XXXX XXXX XXXX by continuing collection activity after a cease and desist and XXXX XXXX XXXX by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of 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