vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX  immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought 50 % of a tavern on XX/XX/XXXX. An employee of Wells Fargo notarized the sales contract and added me to the Tavern 's business bank account. The previous partner had to personally come into a branch of Wells Fargo and sign off to be removed from the Tavern 's business bank account. Wells Fargo sent me a debit card for the joint business bank account. My business partner began stealing money as soon as I deposited it into the account on XX/XX/XXXX. I realized buying half this tavern was a mistake & saw an attorney, who set up an appointment with the district attorney. While under investigation, my partner went into a branch of Wells Fargo in early XX/XX/XXXX and told them I was no longer a partner. Wells Fargo did not contact me and did not ask me to sign off the account. ( which I would NOT have done because I'd paid {$20000.00} six months prior to buy half this business & I was a 50 % partner & joint owner of the bank acct ) I could not get into the account online so I went to the branch of Wells Fargo we used. I was told I had been taken off the account & when I showed the teller my debit card, she grabbed it and said you are no longer on this account. Wells Fargo had no business removing me from the bank account, or taking my debit card. My business partner changed the locks on the tavern ; the district attorney decided this was a civil affair & I did not have the money to pay another lawyer. My partner ran the business into the ground by pocketing the proceeds over a period of nine months & I could not do anything because Wells Fargo removed me from the business account I owned jointly and had never signed off of. 
I am not attaching bank records because Wells Fargo already has them. I have all the original POS slips & receipts from XX/XX/XXXX through XX/XX/XXXX which shows the profits of the Tavern & they will be shown to Wells Fargo or to a lawyer.

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 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
My student loans were in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe, however, I was told that the payment did not qualify for PSLF because they were in deferment.  This is not accurate.  My student loans were also in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe.  I was told that the payments did not qualify for PSLF because the loan status was deferment. This is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a company that contacted me, advising they were capital one finance and that I was approved for a loan, text my cell # and advised to call back. Upon calling the XXXX to inquire about this so called {$10000.00} approval, the foreign sounding over seas gentlemen had my last four of ssn #, address, date of birth and checking information, which is scary. Stated that he was from Capital one and asked a few questions then advised I was approved and the money would be deposited into my checking account, I started to feel leery and begin to probe, and ask for the loan documents to be emailed to me for review and signature. I received a generic email from XXXX XXXX he used a XXXX account- first red flag and the document which I have a copy, is illegally using capital one logos, however the other red flag since I used to work as a XXXX XXXX in the XXXX  industry is that it did not address my name, only Hello, it did not list the agreed upon amount and the breakdown was generic, which is violating the TILA as all terms should be clearly stated, which led me to believe fraud, also they list a senior loan officer but underneath his name is a payday advance company then it shows a finance partner of capital one, yet all the pages on the pdf document is illegally using capital one logo, which I have a credit card and checking XXXX so I am very familiar with capital ones letters and ect. This is scary because they have all identifying and monetary information and I was just lucky enough to identify a scam, but I am sure they have damaged other people and possibly committed monetary fraud on their accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MD

Complaint narrative:
XX/XX/2018, I inquired about paying off my loan. I was quoted {$630.00}. on Today, XX/XX/2018 I called to pay off loan again and was quoted XXXX because the payment could not be processed until tomorrow. I was told to contact them three days in advance which I thought I was doing. After finally asking for a manager and getting approved to pay off loan today for XXXX. i was than told they needed to verify my new bank account by calling my bank. Each time they placed me on hold for over 10mins and drop the call after and called back to say they still are trying please hold. I informed them I would be reporting this and for them to please process payment. I talked with XXXX who agreed to pay off and than to XXXX to process and he informed me of bank verification process. Finally I talked with XXXX who informed everything was ok and they will process. 

After an hour I received a voicemail message from XXXX again stating they now can not process my payment without bank verification. All I want is to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On review of my account after opening, I noticed a {$29.00} activation fee after the first charge was made to the account. I was not informed nor did I notice any documentation regarding this fee when signing up for the card. 

On XX/XX/2018, I requested a copy of my credit card agreement. About a week later, I received the credit card agreement and noticed that there was no disclosure of an activation fee under the " fees '' section of the agreement. 

Around XX/XX/2018, I contacted Synchrony Financial in regards to this fee and only received responses on an explanation of the fee. They did not address my concerns that this fee was never disclosed to me and is not part of my credit card agreement. Furthermore, they were unable to produce documentation showing that I agreed to such a fee, as I had requested. As such, I believe this fee was inappropriately charged to me and Synchrony Bank is refusing to refund it to me.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX and XXXX XXXX and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Are reporting to credit Bureaus When I have numerous times in writing disputed their right to collect and or report to the credit bureaus negative credit info on me. 
I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt. 
All they provide is statements from original creditor, but refuse to show proof of documents any purchase contracts or assignments proving they have the legal right to collect & provide negative info to credit bureaus .As well as what they purchased the alleged debt for, not the balance on original creditor statements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I called to find out why I have not received my new card after expiration date. 

I was told my account was closed for 12 consecutive months of inactivity. 

I told them I just charged a total of {$970.00} for the months of XXXX and XXXX and the card is now paid off. 

Card I have was valid through XX/XX/2018. 

They said it is an auto generated account closing process and they will do nothing other than tell me to re-apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have never been late with my minimum pmt. yet when it came time to pay in XXXX, 2018, they charged me a late fee. Raising my minimum from {$27.00} to {$32.00} " late fee ''. 

My XXXX statement shows I paid on time, yet my XXXX one shows a late fee. 

After MUCH trouble, I got a Best Buy/Citi Bank representitive who apologized and rolled my minimum correct pmt. back to the correct one. 

Although this issue was resolved, I'm afraid I'll have to do this every month as the phone number on the back of the card doesn't give one someone to discuss these matters with. Only machine telling one to press a number. 

I will attach XXXX and XXXX statements for information if needed. 

Thank you, 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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ABR Recovery Services LLC.
State: MD

Complaint narrative:
A company called ABR Recovery Service keeps putting a derogatory collection on my credit report that is decades old. They keep putting it on there as if it were a new debt asking for {$1100.00}. The name of the original credit card company is XXXX, and I think I had a credit card with them over 20 years ago, but cut it up when I got divorced in XXXX. 
Now, ABR Recovery Service can't even keep track of how many times they have put this on my credit report, so now the exact same thing is showing up on my credit report twice, only on one they put the origination date of XX/XX/XXXX and on the other an origination date of XX/XX/XXXX, so it is completely destroying my credit on XXXX  because it's appearing as two separate derogatory marks on my credit. To be clear, nothing was " originated '' on either of those dates. I looked it up and this is called illegal re-aging, taking a very old debt and making it look like it's new.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have applied for loan modification 3 times. 
First, we applied in XXXX with a valid hardship. We submitted all documentation to verify all non-borrower contributors. However, Wells Fargo only utilized one income ( the borrowers ). When questioned, Wells initially said they DID utilize all non-borrower contributors ( which would have been 3 additional incomes, PLUS the borrowers income ). When pressed for documentation, they then said they did not use all the non-borrower contributions because they believed the borrower did not live in the household. He did live in the household. They never asked for any documentation NOR did they state that was the reason for denial until the following year. 

The second time we tried for loan modification in XXXX, we were denied for almost everything due to a chapter XXXX bankruptcy we had to file to save our home. We were approved for a short sale. We appealed this, because we received a promotion at work with higher pay AND because the bankruptcy was dismissed. In their calculations, they also used two different incomes. I asked why, and they did not respond. They stated we did not make enough money to support a repayment plan. I asked the NPR calculation used and which income they used. They did not respond. They denied our appeal and said we would need to resubmit an entire loan modification packet to be reviewed without the bankruptcy. 

Right after the denial of the appeal, they set a foreclosure sale date. 

We asked for a short sale approval since we were previously approved for one, they said no. 

I am reapplying for loan modification but each time I submit a piece of verification paperwork they ask for more things. This means they are going to keep denying it until they take my home. 

I can not get ahold of anyone that has answers, nor get a call back, unless I file a complaint with CFPB.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX  and XXXX XXXX  and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!

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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consolidated Management Group, LLC
State: NV

Complaint narrative:
I made arrangements with the University of XXXX, XXXX XXXX, to pay my tuition in 4 monthly payments. Due to a medical emergency that required hospitalization and on-going treatments, I was not able to make those payments. The debt was turned over to XXXX XXXX XXXX. They sent me a letter on XX/XX/2018, with a Special settlement offer approved by UNIV OF XXXX XXXX. However, there was no amount listed. I sent them a letter asking for a written document with the amount of the " Special settlement offer '' at which time I would send them a check. I will not talk to them over the phone and/or make a payment over the phone. I need a demand letter and I will send them a check so that I have proof that the debt was paid. To this date, they have refused to send me that demand letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but have not.

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