vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have disputed portfolio recovery accounts multiple times with XXXX. XXXX have failed many times to properly verify these accounts. Portfolio recovers keeps sending me a account statement saying this counts a verification. According to the law it does not count as verification. I can create a statement saying anyone owes me money. According to 609 Credit act they need to prove this account is mine. They havent gave me proper documentation to prove these accounts are mines.

XXXX has deleted all these accounts on my credit report.

XXXX  has deleted 2 out of the 3 so far I expect XXXX to delete all 3 off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband passed away in XX/XX/XXXX and my income was cut in half with his death. I contacted Wells Fargo for recommendations to save money so that I could stay in my home. They suggested a conversion from my HELOC to a standard mortgage and I agreed. They put me on a trial period that significantly increased my payment but it included my escrows which looked indeed like a savings. I completed my trial period without missing any payments but during that time Wells Fargo began to send me notices that I owed escrow shortages and that they could not complete the conversion unless I took the house through an expensive escrow process. In short the conversion did not work out as it was costing me so much more money as well as all the surprise fees Wells Fargo was hitting me with made the reality of the conversion an untenable situation for me. So the conversion was cancelled and my loan went back to the original HELOC of {$360.00}. 

During the initial period of the attempted conversion I made 7 payments of {$600.00} almost double of what my HELOC payment was. The total payments were {$3500.00}. 
My calculations show that i am owed money back since the conversion did not take place YET on XX/XX/XXXX Wells Fargo 's XXXX XXXX insisted I was not to get a refund and instead I owed them {$190.00} to go back to my original HELOC. This is just not right. It's Wells Fargo so I paid the {$190.00} under protest. 

This conversion was supposed to help me as a widow and be stress free, it was in fact a horrible experience full of additional expense and tons of stress. I am asking for the return of the difference since I am back on the HELOC and that the conversion never took place. I paid them {$3500.00} for those 7 months, my payments would have been {$2500.00} so I am asking for the difference of {$980.00} plus {$190.00} that I paid on XX/XX/XXXX for a total of {$1100.00}. 

I will send you all the supporting documents, I have to have a neighbor fax or scan them to 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 2018-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While in XXXX, XXXX a fraudulent charge - {$430.00} - was made against my Citi credit card. 

Though I was at the XXXX XXXX XXXX that day -XX/XX/18 -, and made another much smaller purchase ( map, refreshment? ) there against the credit card, a second charge for {$430.00} was charged to the card. 

I believe the card was " double swiped ''. 

I have no record, nor recollection, of this purchase - and firmly believe it is fraudulent. 

I attempted to call the XXXX XXXX XXXX - the language problem aside, I was told they could not help with my query - and that no paper-signed receipt was available. 

Since early XX/XX/XXXX I have been in contact with Citi - by phone, email and letter. I have answered in detail all the questions they have asked. ( see attached files. ) Their only response has been they are " looking into it. '' They have not been able to provide any receipts or details regarding the charge - and refuse to give me a permanent credit for this phony charge.

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 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Website : XXXX : XXXX Called me several times demanding I pay XXXX or they would suspend all my bank accounts. I called them tried to resolve and they said only could pay full amount. 

I have voicemail where they threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.

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 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have 4 stolen checks that were deposited likely using some kind of mobile app, to a Wells Fargo account. The checks were made out to 4 different persons or entity, and successfully cashed through  Wells Fargo by a person named XXXX XXXX. 
There are no bank markings, deposit stamps, or any form of identification on the checks that were cashed. It appears these checks were deposited using a mobile device app offered by Wells Fargo [ and I understand also XXXX offers this " convenience '' ]. There is no positive i.d . required. So the thief just puts the money in his account, waits for the check to clear, then draws it out. This system of making deposits MUST STOP. It is not going to work. I have not been unable to get any cooperation from Wells Fargo in tagging the thief, which they can easily do. Perhaps there is someone inside the bank working with him. 
I have filed all the reports I can locally with the County and DA. You need to pick this up and get Wells Fargo to cure this easy fraud. Anyone can do this, any time, any where. This is a very BAD situation for us as account holders issuing paychecks and payments on account by check.

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 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a mortgage with Bank of America ( BOA ). During the term of the loan, BOA changed the terms of the loan incorrectly, adding almost {$1000.00} to my monthly payment. I notified BOA and I only got replies from them that they would look into the problem. This lasted for six months ' time. BOA never resolved the problem. I paid off the loan subsequently and then contacted BOA and my attempts were rebuffed. Finally, BOA contacted me to work out the over payments, after I filed a complaint through CFPB. BOA and I discussed the matter and BOA made an offer to settle all moneys due. We discussed the settlement amount and a confidentiality agreement. BOA asked me to sign a letter to CFPB that we had reached an agreement. I refused and stated, not until all details were worked out and papers signed. BOA never signed any papers. BOA sent a notice to CFPB that we were 95 % in agreement and then CFPB closed the case. After the case was closed, BOA stopped talking to me and has not continued any further discussions to resolve this matter. I will attach a some emails from BOA 's attorney that shows BOA was in agreement that monies were due me. I would like BOA to pay me the extra money that I was forced to pay. This can only be done if CFPB opens another case file.

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 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a ( NFCU ) Navy Federal Credit Union GoRewards Master Card that I open in XX/XX/XXXX and had enrolled in their Payment Protection Plan sold and enrolled by ( NFCU ) Navy Federal Credit Union and administrator by XXXX XXXX XXXX in XX/XX/XXXX and had maintain coverage during the life of the account the cost for coverage was {$.00} per every {$100.00} of the monthly balance. The program was sold as a insurance program offered by NFCU that covered death, disability, and or involuntary unemployment. Details are that this coverage would make the monthly payments during the coverage event and its duration and would pay off the account balance as a full debit cancellation in the event of death and or disability. 

In XX/XX/XXXX I was involved in an auto accident that caused me to become XXXX and unable to work and return to work I was on XXXX  and XXXX  until XXXX XXXX and Under Social Security Administration I was deemed XXXX XXXX XXXX XXXX and because eligible for  XXXX benefits. XXXX had some delays in benefits award and payment and wasn't resolved until XX/XX/XXXX. 

XX/XX/XXXX I initiated the claim and again resubmitted medical information on XX/XX/XXXX for that claim. I had file a claim through NFCU and its payment protection plan serviced by XXXX. According to some records, XXXX and NFCU applied some payments under the plan that were in consisted with their payments and coverage from XX/XX/XXXX to XX/XX/XXXX and then close the claim with no reason and in breach of the terms and conditions and coverage that was offered. NFCU further the breach of this sold and paid for service by pursing addition financial account charges and fees in addition to the negative reporting of the account and collection reporting and actions on this account when it was a coverage event under the terms it was sold and purchase to me and the debit was to be canceled by NFCU and XXXX  under the XXXX debit cancellation coverage program. 

NFCU and XXXX failed to provide the service sold and purchase under this plan, coverage, and benefit for cardholders and members. Which is not only a break in contract but also a violation under the Fair Credit Reporting Act ( Reporting Inaccurate Information ), the consumer protection act ( Providing a level of protection as their customer, and being billed for services that are not being render ), fair debit collection practice act ( Collection on a debit that isn't correct ), Fair Credit Billing Act ( Billing and Charge for services that were not fully render as agree ) and possible other regulations. 

This issue has gone unresolved and the debit has yet to be cancel as per the terms of the program. 

I have some supporting documentation to provide in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX o I purchased a used XXXX XXXX XXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX ) o I had a trade-in vehicle which was a lease from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Vehicle was a XXXX XXXX XXXX o My lease had approximately 5 months remaining and I was already at or over my mileage limit for the full lease agreement. 
o During the course of the negotiation, XXXX XXXX representatives promised to pay-off the remainder of the lease payments, pay any early lease termination fees and pay XXXX XXXX XXXX fees for mileage overages. 
o I agreed to purchase the XXXX XXXX in good faith that this would occur and turned over the leased XXXX to XXXX o XXXX XXXX pilled on a large volume of paperwork which I later discovered had hidden fees which they built into the loan which put the burden of the remaining lease payments into my load. This is not what I had agree to and there was no explanation of the charges. Since I was rushed into signing the deal late into the night, I didnt notice it o I was only provided with one key to my now purchased XXXX XXXX XX/XX/XXXX o I returned to XXXX   XXXX to turn in my spare XXXX   key and handed it to the sales representative on duty. I explained the that the key needed to be handed to the manager and my salesperson, so it could be turned in with the XXXX A few months later, Ive begun receiving collections call from XXXX XXXX  XXXX XXXX, Toyota Financial Services and many other collections agencies for approximately $ 1.1K. They state that I owe money for 3 things : o Missing hubcap for one tire o Missing XXXX key o Mileage overages on the lease Im willing to discuss the cost of the hubcap although I havent seen proof that it was damaged or missing ( despite my requests for documentation ), however, the key was turned into Mossy and the mileage should be paid by XXXX. Ive decline to pay any of those charges Since then Ive been harassed by Toyota Financial and multiple collection agencies. Multiple phones in a day, calls to my personal cell phone, calls to my place of employment, calls to my wife None of these calls have been authorized and I consider them a violation of my FDCPA rights. 
Additionally, Ive received multiple letters which use threatening language towards me if I dont take action to resolve the account. I consider these letters also a violation of my FDCPA rights. They did not contain proper validation disclosures, substantiation of debt or physical evidence to support the debt claims The two debt collectors at fault are : XXXX XXXX XXXX XXXX and Toyota Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
The caller is XXXX XXXX from XXXX XXXX. They call multiple times a day leaving voicemails stating they are coming to my home to serve me if I am not there they will come to my job. I told them to send a letter to prove I owe the debt and I will be willing to settle if indeed I owe this debt. While I do know at one time I had a loan with Cash Central,  they responded saying they have nothing on file for me. I asked if they sold a debt of mine to anyone and they never responded. XXXX XXXX from XXXX XXXX  refused to give me an address or a valid company name. There is no XXXX XXXX litigation company when I search online. The number they call from is XXXX. They go through the whole long voicemail about how they are coming for me.. at work.. at home.. with a uniformed officer. I have all of the call records and voicemails to prove it. They tell me to call XXXX. They say they sent me something 45 days ago. I said please email me or mail it to me because I did not receive anything. She said she cant because they already sent it! I am so done with these scamming collectors who violate all the laws! I will be reporting every single one and saving all of my evidence!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney. 

Mother has XXXX  XXXX. 

On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA. 

There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted. 
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind. 

My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX. 

My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems. 

I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse. 
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother. 

I feel the bank needs better training in supporting their senior clients from elder abuse. 
I will be reporting this to the XXXX County DA Elder Abuse dept. 

If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.

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